Total ACH payment value increased 11%, creating a nearly 5-to-1 divergence.

Attempted ACH fraud value increased 52% in 2025.

Business email compromise (BEC) remained the No. 1 avenue for attempted and actual payments fraud in 2024, cited by 63% of respondents.

58% of organisations were able to recoup up to 75% of their funds lost due to payments fraud in 2024, up from 29% in 2023

22% of organisations were able to recover 75% or more of the funds lost due to payments fraud in 2024. This is a sharp decrease from 2023 when 41% of organisations recovered the same amount.

79% of organisations were victims of attempted or actual payments fraud activity in 2024. This is down very slightly from 2023.

Checks continue to be the payment method most often subjected to payments fraud, with 63% of respondents experiencing attempted or actual fraud via checks in 2024.