速度的魅力在改变各种付款方式的使用模式中起作用

速度的魅力在改变使用模式的各种付款方式中都起着作用，这些付款方式熟悉和新方法。自动交换所（ACH）交易和人与人（P2P）

The allure of speed plays a role in changing use patterns for all kinds of payment methods, familiar and new. Automated clearing house (ACH) transactions and person-to-person (P2P) payments via depository institution websites are two types of payments for which recent growth rates show the importance of speed.

速度的魅力在改变使用模式的各种付款方式中都起着作用，这些付款方式熟悉和新方法。自动化清算公司（ACH）交易和人与人之间的交易（P2P）通过存放机构网站付款是两种类型的付款类型，最近增长率显示了速度的重要性。

From 2018 to 2021, same-day ACH debit transfers grew 39 percent per year by value, according to new data from the Federal Reserve Payment Study (FRPS). Same-day ACH credit transfers grew by double digits—21 percent, in comparison to single-digit growth for non-same-day ACH transactions by value.

根据美联储支付研究（FRPS）的新数据，从2018年到2021年，当日ACH借记每年转移39％。与单位数量的ACH交易相比，当日ACH信用转让增长了两位数，即21％，相比之下。

This rapid growth occurred on a small base, so same-day transfers have lots of room to grow. Same-day transfers are a small share of all ACH transfers—4 percent of credits and debits by value (see chart below). As these charts show, it's important to look at both growth rates and levels to get the whole story on growth in ways to pay.

这种快速增长发生在一个小基地上，因此当天的转移有很大的生长空间。当天转移是所有ACH转移中的一小部分 - 占信用额的4％按价值计算（请参见下图）。正如这些图表所示，重要的是要研究增长率和水平，以便以付款方式获得有关增长的全部故事。

P2P payments via depository institution website or app are changing expectations about the timing of funds availability. These grew 51 percent per year by number from 2018 to 2021. In 2021, three-quarters of these P2P payments by number were made immediately available, or in 30 or fewer minutes, to recipients.

通过存款机构或应用程序付款的P2P付款正在改变对资金可用性时间的期望。从2018年到2021年，每年的数量增长了51％。2021年，这些P2P付款中有四分之三立即向接收者开始，或者在30分钟或更少的时间内获得。

The March data release provides comprehensive estimates of ACH, check, wire, and alternative payment methods based on data submitted by depository financial institutions. In addition to detail on speed of payments, the release provides breakdowns by business and consumer payers and domestic and cross border payments. You can review the data here

3月份的数据发布根据存款金融机构提交的数据提供了ACH，支票，电线和替代付款方式的全面估计。除了付款速度的详细信息外，该版本还提供企业和消费者付款人以及国内和跨境付款的细分。您可以在这里查看数据