ACH Payment Networks TCH 
Tom Groenfeldt
JULY 17, 2025
Follow Author Jul 17, 2025, 03:08pm EDT Share Save Comment Close up of network data flowing on black background. was slow getting to real-time payments , but the businesses and individuals are taking them up in a big way, using primarily the private sector RTP rails from The Clearing House (TCH). getty The U.S.
Tom Groenfeldt
APRIL 16, 2025
Follow Author Apr 16, 2025, 05:09pm EDT Share Save Comment Real-time payments often travel over fiber optic cables getty Real-time payments (RTP) in the U.S lags well behind such advanced payments networks as those operated by India and Brazil. The average daily volume on the RTP network has jumped this year, from $909.2
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PYMNTS
OCTOBER 15, 2020
Moving Beyond ACH . ACH might be among the most readily visible paper check killers — and as Nacha’s Larimer noted, “we need more than just ACH to make huge inroads [against checks]. Real time and the ACH network can actually work together to displace paper checks.” So that is certainly an aspiration.
PYMNTS
JANUARY 26, 2021
According to Russ Waterhouse , executive vice president of Product Development and Strategy at The Clearing House (TCH), the surge in digitization brought on by the COVID-19 crisis has accelerated the evolution of a range of RTP (Real-Time Payments) network advancements, including instant payroll, merchant settlements and tokenization.
PYMNTS
AUGUST 12, 2019
Senator Elizabeth Warren asks in a campaign ad, ignoring the fact that 93 percent of working Americans have their checks directly deposited into their bank accounts – ready for use on payday – using the ACH network. Ironically, perhaps, the ACH network’s first direct deposit use case was the U.S. Slowing Innovation.
PYMNTS
NOVEMBER 21, 2019
ACI Worldwide noted it already has a strong foothold in the real-time payments space, with integrations with 18 real-time domestic payment networks around the globe. ACI Worldwide is connected to Zelle and The Clearing House (TCH), the latter of which offers Same-Day ACH services. In the U.S.,
PYMNTS
MARCH 9, 2020
Such systems can offer everything from swifter settlement times to easy payment status tracking, but such benefits require widespread adoption. Consumers and businesses do not want to use new payment networks unless they believe others are already using them, creating a chicken-and-egg problem.
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