ACH payment volume increased by more than 475 million transactions in 2009, bringing year-end total transaction volume to 18.76 billion, a 2.6% increase over 2008 activity. This demonstrates strong volume increases in electronic payments such as consumer Internet transactions and B2B transactions. This, according to the NACHA Electronic Payments Association, also shows a decline in the unauthorized debit volume with ACH debits returned as unauthorized in 2009 having declined 9.6% since 2008 to now only constitute for 0.02% of total Network volume. ACH native electronic payments increased by 4.15% in 2009, showing an increased preference for non-check, fully-electronic, payment options and constituted for 12.19 billion transactions on the ACH Network. Meanwhile, Consumer Internet Transactions were up 8.75% to nearly 2.4 billion payments for 9.7% increase over 2008 and International ACH Transactions totaled 1.7 million with a dollar value of $7.4 billion.