Electronic transfers move approximately RD$16.568 billion annually, of which RD$412 million are through the ACH modality, RD$11.360 billion as direct transfers (non-ACH), and RD$4.796 billion as instant payments.
The information was highlighted by the Association of Multiple Banks of the Dominican Republic (ABA), based on an analysis prepared by its Technical Department, which notes that the amount transferred through instant payments multiplied by 36 between 2015 and 2025, going from RD$130 billion to RD$4.8 trillion, reflecting the growing adoption of digital payment solutions and the transformation of the Dominican payment system.
The ABA explained that this growth allowed instant payments to go from representing just 3.7% of the total amount transferred through electronic mechanisms in 2015 to nearly 29% in 2025. With this, it added, this modality now concentrates almost a third of the resources mobilized through electronic transfers and recorded an average annual growth of 48.8%, the highest among the main payment mechanisms.
“The speed, security, and ease offered by this method have driven its adoption, making it one of the preferred options for individuals and companies to carry out their transfers,” highlighted the banking association.
Likewise, he stated that the COVID-19 pandemic marked an acceleration point in this process, by boosting the use of digital channels and favoring a faster adoption of electronic payments. As a result, instant payments recorded a growth of 43.9% in 2021.
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Although instant payments have shown the greatest dynamism over the last decade, the Banking Association specified that the Automated Clearing House (ACH) continues to play a relevant role within the payment ecosystem.
In that sense, he reported that after registering a reduction in the amounts processed following the start of operations of instant payments, this modality showed a sustained recovery, going from RD$127.878 billion in 2016 to RD$412 billion in 2025, with an average annual growth of 9%.
The ABA explained that the ACH continues to be a widely used alternative for payroll payments, suppliers, loans, and person-to-person transfers, thanks to the fact that it allows these transactions to be carried out at no cost to users.
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He also indicated that, by volume of resources mobilized, the main instrument continues to be direct debit and credit, which operates through payment orders or debit authorizations and reached RD$11.7 trillion in 2025. “Its share of the total amount transferred through electronic mechanisms decreased from 96% in 2015 to 71% in 2025, as a result of the accelerated growth of instant payments,” he noted.
He stated that the evolution observed over the last decade evidences a sustained transformation in the way people and companies make their electronic payments.
In the association’s view, the increasing digitalization of financial services, the investments made by financial intermediation entities, and the continuous strengthening of the national payment system infrastructure continue to drive an increasingly agile, secure, and efficient ecosystem.
