Direct ACH debit payments made when authorization is given via the Internet or a mobile device grew 9.5 percent in 2011, accounting for nearly 17 percent of total ACH network payments, according to NACHA, the organization that manages the ACH payment network. NACHA estimates that 80 percent of these transactions are to pay bills via companies’ or billing services’ Websites.

“Consumers want convenient, versatile, and secure payment options,” said Janet O. Estep, president and CEO of NACHA. “Direct payment via ACH puts consumers in control and provides them with the flexibility to make payments through their bank or credit union’s online banking service, the companies they do business with, and via mobile applications.

”Total ACH payment volume grew 4.35 percent in 2011 to more than 20.2 billion transactions worth nearly $34 billion.