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Nickel Description

We built Nickel because the systems businesses use to move money tend to profit in ways nobody can see. So we publish the economics behind every product we sell, something no other payment processor does, and it's why 25,000+ B2B companies and the accounting firms serving them now run money through us.

On collections, branded links and hosted portals let clients settle invoices by card, ACH, or paper check with nothing to sign up for. On disbursements, an email address is all we need to send funds by ACH, card, wire, or physical check, routed through whatever approval rules your team defines. Costs stay low by design: ACH carries no fee and no volume ceiling, our Core tier bills nothing monthly, chargebacks cost you zero, and domestic cards run a flat 2.9% that can be shifted onto whoever is paying. Each transaction lands in QuickBooks matched line by line, and unused funds accrue 2% APY inside Nickel Balance. Setup runs about five minutes and needs no card.

Pricing

Pricing Starts At:
Free
Pricing Information:
Nickel Core plan is free, Nickel Plus starts at $35/month paid annually, and Nickel Pro which allows API access is $300 per month
Free Version:
Yes
Free Trial:
Yes

Integrations

API:
Yes, Nickel has an API

Reviews - 29 Verified Reviews

Total
ease
features
design
support

Company Details

Company:
Nickel
Year Founded:
2021
Headquarters:
United States
Website:
www.nickel.com
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Product Details

Platforms
Web-Based
Types of Training
Training Docs
Live Training (Online)
Webinars
In Person
Training Videos
Customer Support
Business Hours
Live Rep (24/7)

Nickel Features and Options

Payment Processing Software

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Sales Tax Software

Address Validation
Audit Trail
Consumer Use Tax
Exemption Management
Tax Calculator
Tax Filing
Taxability Verification
Transaction Tracking
Value Added Tax (VAT)

Payment Gateways

ACH / eCheck support
Buyer Authentication
Credit / Debit Support
Customer Information Storage
Fraud Prevention
Invoicing
Multi-Currency
PCI Compliance
Point-of-Sale (POS)
Recurring Billing / Subscriptions
Reporting / Analytics
  • Name: Anonymous (Verified)
    Job Title: Salesforce Architect
    Length of product use: 6-12 Months
    Used How Often?: Monthly
    Role: Administrator, Deployment
    Organization Size: 26 - 99
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Amazing product

    Date: Jul 31 2026

    Summary: I love using nickel, it's a great reliable product with no hidden fees unlike other tools that we have used before

    Positive: API to integrate directly with our CRM
    Great payment UI
    Ability to do partial payments
    Ability to add cc fees

    Negative: I have been having some issues with the webhooks but nothing major and they have been very responsive

    Read More...
  • Name: Paul K.
    Job Title: Operations
    Length of product use: 1-2 Years
    Used How Often?: Daily
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Time Saver for Multi-Business AP and AR

    Date: Jul 24 2026

    Summary: The interface is clean and relatively easy to navigate. I can easily create invoices, track my AP and AR, and manage all five of my businesses in one place without getting confused. Payments process fast and securely. I feel totally safe running large amounts of money through their system.

    Positive: Nickel makes handling both Accounts Payable (AP) and Accounts Receivable (AR) simple. I like that I can send and receive ACH payments completely for free. It also lets me pass credit card processing fees directly to the customer, which saves my business a lot of money.

    Negative: They do not offer international payment options right now. They also don't allow you to transfer funds between internal Nickel accounts directly.

    Read More...
  • Name: Anonymous (Verified)
    Job Title: Operations Manager
    Length of product use: 6-12 Months
    Used How Often?: Weekly
    Role: Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Payment Processing Made Easy

    Date: Jul 21 2026

    Summary: Nickel has been a great addition to our business. The platform is simple and easy to use, customer support is top notch, and our vendors and customers love how smooth the payment process is on their end. Highly recommend for any business looking to streamline payments

    Positive: Nickel is incredibly easy to use, and their customer support is top notch. Best of all, our vendors and customers consistently tell us how much they appreciate the smooth payment experience on their end.

    Negative: Honestly, nothing significant comes to mind. The platform has been straightforward and easy to use from day one, and any questions we've had were quickly resolved by their support team.

    Read More...
  • Name: Stephen W.
    Job Title: Director of Finance
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Easiest Payment Platform to Use

    Date: Jul 21 2026

    Summary: Nickel has been the easiest platform to use after using platforms like Melio, and Bill.com. We can't afford payments getting delay and creating more accounting work to do that you get with those platforms. Nickel has consistently paid vendors timely and syncs with QBO seamlessly.

    Positive: Nickel is very straight forward and easy to use. Payments get there fast and on time, and is very easy to pay vendors.

    Negative: There is nothing I don't like so far. At first there were a couple features lacking but their development team is shipping new features weekly it seems like.

    Read More...
  • Name: Elle H.
    Job Title: Programs and Events Director
    Length of product use: 1-2 Years
    Used How Often?: Weekly
    Role: User
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    An Efficient Platform for Managing Payments

    Date: Jul 15 2026

    Summary: Our overall experience with Nickel has been excellent. The platform is intuitive, reliable, and has made managing invoices and collecting payments much more efficient. It has simplified our workflow, improved visibility into outstanding payments, and saved our team valuable time.

    Positive: Nickel is incredibly easy to use and has streamlined our payment collection process. I especially appreciate how easy it is to track outstanding invoices, see payment statuses at a glance, and send reminders when needed. It has saved our team time and improved our overall accounts receivable process.

    Negative: So far, I haven't encountered any significant drawbacks. Our experience has been very positive, and the platform has met our needs well.

    Read More...
  • Name: Carson C.
    Job Title: Staff Accountant
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Effortless payments

    Date: Jul 15 2026

    Summary: It's wonderful and easy to use. The Nickel team have always been great at helping me resolve issues on the few that have arrived,

    Positive: The payments are basically effortless for our residents. I set up a link for them to pay their HOA dues and that's it.

    Negative: I wish I could set an amount and time that the HOA dues are due and then the resident could pay on their own terms.

    Read More...
  • Name: Richard P.
    Job Title: Owner
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: Administrator
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Nickel is an awesome pay service!

    Date: Jul 15 2026

    Summary: Surpassed all my expectations. Easy to use, good functionality, and priced right. It took me a week to get used to the interface. I especially like they way Nickel handles NSF payments.

    Positive: I used a very large bookkeeping software and payment service company for 20 years, and was looking for someone that could provide me better service for a reasonable price. I spoke to several potential replacements, and settled on Nickel payment services due to the payment plan simplicity and the payment interface. The interface is clean, easy to use, and doesn't overcomplicate my life. I am so glad I moved to Nickel, it has made my life more efficient.

    Negative: The interface is totally different that what I'm used to, but after a week, I find its easier to use and easier to find things when I need them.

    Read More...
  • Name: Mateo V.
    Job Title: Director of Finance and Operations
    Length of product use: 1-2 Years
    Used How Often?: Weekly
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Easy to use, easy to implement, easy to integrate

    Date: Jul 14 2026

    Summary: Super easy to implement overall. Responsive customer service. We mostly use as a vendor payment portal and it is far more effective than our bank's billpay system.

    Positive: Integration with Quickbooks Online is very reliable. Super easy to onboard new vendors and make vendor payments.

    Negative: ACH direct despoit payments take a bit longer than we'd like.

    Read More...
  • Name: Sasha A.
    Job Title: Owner
    Length of product use: Less than 6 months
    Used How Often?: Monthly
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    ACH for free!

    Date: Dec 18 2025

    Summary: My experience has been positive - when changing payment processing, one worries, especially with a new company. that there could be issues, but it has been a smooth experience from set up to the first payment processed.

    Positive: I like that Nickel was easy to set up, has unlimited free ACH transactions in the month and customer service is easy to reach.

    Negative: I don't really have much dislikes - but if I had to say something, perhaps the lead time for the ACH payments to hit the bank account.

    Read More...
  • Name: Shawn M.
    Job Title: Project Management
    Length of product use: 6-12 Months
    Used How Often?: Monthly
    Role: User
    Organization Size: 26 - 99
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Light SoCal

    Date: Dec 15 2025

    Summary: Very positive, makes processing payments quick and easy. We make our money faster as a result of the payment link being intuitive for our customer's to navigate.

    Positive: Ease of use, I process payments very easily with Nickel. The link makes it quick and easy for my customer's to make their payments.

    Negative: Thus far, I have not run into any problems with Nickel that would make me dislike the program.

    Read More...
  • Name: Stacey B.
    Job Title: Owner and Advisor
    Length of product use: 6-12 Months
    Used How Often?: Weekly
    Role: User, Administrator
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Seamless QuickBooks Integration, Effortless Payments

    Date: Dec 05 2025

    Summary: I appreciate Nickel because its integration with QuickBooks is remarkable. Using the Bill Pay app that works seamlessly with QuickBook allows me to quickly pay my contractors without any hassle. This integration saves me a significant amount of time as it automatically records transactions, eliminating the need for double data entry, which boosts efficiency and reduces manual errors. I love the fact that Nickel provides this service for fre, which is a considerable advantage for my small business, as it helps cut costs significantly. The initial setup for using Nickel was effortless. I was able to easily send requests to my contractors to obtain their banking information, simplifying the onboarding process. This ease of setup was instrumental in getting started with Nickel without facing any challenges. Overall, Nickel offers an intuitive, cost-effective solution that streamlines my workflow, making my financial management more efficient and less time consuming.

    Positive: I use Nickel for direct deposits to independent contractors. It integrates seamlessly with QuickBooks, saving me time and costs. The setup was easy, and I previously faced issues using Zelle and Venmo. I highly recommend Nickel, rating it a ten for its efficiency and cost-effectiveness.

    Negative: I have nothing negative to report. My experience has been nothing but positive.

    Read More...
  • Name: Anonymous (Verified)
    Job Title: Operations
    Length of product use: Less than 6 months
    Used How Often?: Weekly
    Role: Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Great Product!

    Date: Nov 27 2025

    Summary: I am more than pleased with their services. Whenever I need assistance, someone is always available either by chat or by phone. But I have rarely needed assistance due to the ease of use with this program. I would encourage anyone to use them.

    Positive: I appreciate the service Nickel provides for payment processing. It doesn't penalize customers or business with constant fees when using bank account payments. Automated reminders, a professional personalized payment portal, and diverse integration options add significant value. The initial setup was also very easy making the transition from Quickbooks smooth and hassle free.

    Negative: I have no dislikes at this time. I think that this payment processing option is worth the time and effort it takes to obtain.

    Read More...
  • Name: Nicholas M.
    Job Title: Owner
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    So easy to set up and use

    Date: Nov 19 2025

    Summary: I highly recommend for companies looking for an easy ACH solution. It is incredible easy to use, its free, and its incredibly easy to set up.

    Positive: Free ACH, Easy to set up and use, no microdeposit requirements, and great customer service. I highly recommend

    Negative: Because its new, its not integrated into our practice management and invoicing software yet but we will continue to use it.

    Read More...
  • Name: Kyle C.
    Job Title: Wedding Photographer
    Length of product use: 6-12 Months
    Used How Often?: Weekly
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Free ACH Bank Transfers Make Nickel A Godsend For Small Businesses

    Date: Nov 13 2025

    Summary: Ever since Quickbooks started charging for ACH banks transfers, I've been on the lookout for a new platform that does not charge for this. I have a small wedding photography business (Kyle Carnes Photography) and I hate giving away money needlessly to credit card companies.

    Then I found Nickel, which not only doesn't charge for ACH bank transfers, but they also allow adding a 3% processing fee to all credit card payments. There is also no subscription fee. This is huge for my business.

    I also love that the platform is so intuitive and easy to use. It doesn't have a bunch of feature bloat. Just quick and easy invoicing and payment processing.

    You can get to sending out your first invoice within minutes with your business branding and easy payment options.

    While ACH payments can take a few days to enter my bank, this is normal for the industry, so it's to be expected and doesn't take any longer than other platforms.

    If you're looking for a more feature-rich platform with accounting and all that then Nickel possibly might not be for you. But if you just want to simply send competent invoices and circumvent credit card processing fees then Nickel fits the bill.

    Positive: Easy to use ACH bank transfer processing. The option to automatically add 3% to all credit card transactions.

    Negative: There is no mobile application. The website is nearly unusable on mobile, which is a real shame. It needs a mobile app ASAP so users can send invoices on the go.

    Read More...
  • Name: Karen J.
    Job Title: Office Manager
    Length of product use: 6-12 Months
    Used How Often?: Daily
    Role: User, Administrator, Deployment
    Organization Size: 1 - 25
    Features
    Design
    Ease
    Pricing
    Support
    Likelihood to Recommend to Others
    1 2 3 4 5 6 7 8 9 10

    Great Product and Great Cost Savings

    Edited: Jul 16 2026

    Summary: If you are looking for a great way to invoice clients, I would not hesitate to try Nickel. It has saved us at least $1,000 this year and my clients say it is easy to use and they like it.

    Positive: Easy to set up and utilize. It has taken me a little while to figure out how to organize things best so that I can find invoices easily, but that was user error and now that I've figured that out its been smooth sailing.

    Negative: I wish it had a line by line where it added up the invoices for you - for instance if you are adding three invoices - it has a line for each one and adds up the total. Just keeps human error out of it.

    Read More...
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