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Same Day ACH: Debit’s Debut

Same Day ACH credits were introduced last year and this year, Same Day ACH debits take center stage.


New Mercator Advisory Group research analyzes initial performance of same-day ACH credits and the impact that same-day debits will have on the payments industry.

With both same-day ACH credits and, since September 15, 2917, same-day ACH debits available in the marketplace, this faster form of ACH is finding applicable use cases in both business and consumer applications according to a new research report by Mercator Advisory Group.

The National Automated Clearing House Association (NACHA), the governing body for ACH, has from time to time rolled out new features to broaden ACH’s appeal across channels, most recently faster, same-day transaction processing services. Mercator Advisory Group’s latest research report, Same-Day ACH Debit’s Debut, examines the impact that Same Day ACH (SDA) is having on the payments market.

“ACH, a stalwart among payment types, has again created greater utility by adding a new feature, namely faster transaction processing options. How Same Day ACH fits in among other types of more rapid payment options and how relative market pricing evolves will be critical to users and providers,” commented Sarah Grotta, Director, Debit Advisory Service at Mercator Advisory Group, author of the report.

This report has 13 pages and 3 exhibits.

Highlights of the report include:

  • A review the initial results of the launch of same-day credits, rolled out last year

  • Discussion of the most common use cases that have emerged from the introduction of SDA credits

  • Prediction of the likely uses of ACH debits, made available on September 15, 2017

  • Analysis of the impact SDA may have on other legacy payment methods, including wire transfers

  • Consideration of the fraud concerns inherent with SDA

  • Conclusions regarding SDA’s impact on real-time payment initiatives