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What is Nickel?

Nickel is an innovative payment and credit platform tailored for small to medium-sized B2B businesses. It serves to empower business owners and finance teams by improving cash flow and streamlining processes related to accounts receivable, accounts payable, and trade credit. Key features of Nickel include:

Payment Processing:

Users can enjoy unlimited ACH transfers without any fees, alongside a competitive card processing fee of 2.9%.
Additionally, it allows direct check deposits while accommodating large transactions that can reach up to $1 million.

Accounts Receivables:

Nickel offers customizable Payment Links and Payment Portals that make it easy to collect payments.
It supports payment acceptance via cards, ACH, or checks from an extensive network comprising over 14,000 banks.
Moreover, one-click payment functionality is available by securely storing buyer payment information for added ease.

Accounts Payables:

The platform simplifies vendor onboarding through a dedicated Vendor Portal.
It also automates the bill approval process and provides options for paying vendors via cards, ACH, or traditional checks.

Trade Credit:

A streamlined Digital Credit Application expedites customer onboarding and improves the vetting process.
Moreover, the trade credit program extends 60-day payment terms to buyers, significantly aiding their cash flow management. This comprehensive approach ensures that businesses can operate more efficiently and maintain financial flexibility.

Pricing

Free Version:
Free Version available.

Integrations

No integrations listed.

Screenshots and Video

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Company Facts

Company Name:
Nickel
Date Founded:
2021
Company Location:
United States
Company Website:
www.getnickel.com

Product Details

Deployment
SaaS
Training Options
Documentation Hub
Online Training
Webinars
On-Site Training
Video Library
Support
Standard Support
24 Hour Support
Web-Based Support

Product Details

Target Company Sizes
Individual
1-10
11-50
51-200
201-500
501-1000
1001-5000
5001-10000
10001+
Target Organization Types
Mid Size Business
Small Business
Enterprise
Freelance
Nonprofit
Government
Startup
Supported Languages
English

Nickel Categories and Features

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 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

Nickel Customer Reviews

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  • Reviewer Name: A Verified Reviewer
    Position: Founder
    Has used product for: 6-12 Months
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Nickel is the best payment processor I have used to date.

    Date: May 27 2025
    Summary

    Nickel is a great payment application. I've been working with it for almost a year now. I have nothing but good things to say about it. It's easy to use, it works well, and it's made my job a lot easier. It lets me do the same tasks as I could with a different service, but way more quickly and easily. I have already recommended Nickel to many of my colleagues, and they're just as happy with it as I am. It's a good choice for any user looking for payment software.

    Positive

    I love Nickel. I had looked at multiple more mainstream competitors, but with the large cost per transaction, none looked totally appealing. Nickel offers 90% of the features with 0% of the high fees. I have since started using them for all of my invoices across multiple companies.

    Negative

    The only thing I currently wish Nickel had would be features for more types of businesses, such as selling tickets for classes or digital goods. There isn't really a clean way to do that right now, but it's something that could easily be added.

    Read More...
  • Reviewer Name: Bernard R.
    Position: Partner
    Has used product for: Less than 6 months
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Nickel - Simple and Efficient

    Date: May 28 2025
    Summary

    Nickel has made payment processing simple and efficient. I highly recommend Nickel for anyone looking for a reliable and easy to use payment solution.

    Positive

    Nickel is an excellent, straight forward payment processing solution. Nickel is easy to use and cost effective.

    Negative

    The slight time delay for payment, however it is understandable.

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  • Reviewer Name: A Verified Reviewer
    Position: Owner
    Has used product for: Less than 6 months
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Best payment processor out there

    Date: Jun 02 2025
    Summary

    Overall really satisfied. Very simple, but also very effective for the things that I need accomplished.

    Positive

    I did a deep dive of like 10 other digital payment websites and ended up choosing Nickel. The main reason I chose Nickel is because it has a 0% fee for ACH payments, but it also has some other nice features. It has pretty seamless QuickBooks integration, and what I find most useful is the general payment acceptance link they give you. I can literally send this link to anyone and accept payment from them so I don't have to worry about customizing any invoices or sending the wrong link or anything.

    Negative

    No major issues with Nickel so far - support is pretty responsive and have fixed the small issues I have ran into.

    Read More...
  • Reviewer Name: Gary N.
    Position: President
    Has used product for: Less than 6 months
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Excellent payment processing

    Updated: May 23 2025
    Summary

    My clients have been asking about paying me electronically for a while now. I wish I had found Nickel sooner. Their free ACH processing and the ability to pass on credit card charges were the features that hooked me. Their excellent customer service is the icing on the cake.

    Positive

    Nickel was very helpful from signing up to getting started to execution. My main criteria when selecting a payment processor was reasonable ACH fees and the ability to pass on credit card fees to my clients. Nickel offers free ACH processing and the ability to pass on credit card fees. From sign-up to execution, everything went smoothly and I have not heard a single complaint from my clients.

    Negative

    I have been using Nickel for around four months now and I have no complaints.

    Read More...
  • Reviewer Name: Ayled T.
    Position: Secretary
    Has used product for: Less than 6 months
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Processing Done Right

    Date: Sep 03 2025
    Summary

    I’ve had an absolutely fantastic experience with this company! From the very beginning, everything was super smooth and easy to understand. Getting started was a breeze, way easier than I thought it would be. Using their system has saved me tons of time and stress because it just works perfectly. Transactions are processed super fast, and I’ve never had to deal with any delays or confusing steps. It feels so reliable and consistent every single time I use it. Plus, the customer support team is amazing, they’re super responsive, professional, and always ready to lend a hand. Based on my experience so far, I can confidently say this is a company I trust and recommend to everyone!

    Positive

    I’ve had such a fantastic experience with this processing firm so far! The card processing is so smooth that you hardly even notice it’s happening, everything just works perfectly. It’s super fast, easy to use, and stress-free, which is a huge plus when you’re running a business and need everything to run smoothly. I really appreciate how easy it is to use, and the fact that it doesn’t feel complicated or overwhelming at all. The team behind it is also responsive and professional, which gives me a lot of confidence. Overall, I’d definitely recommend this service to anyone looking for reliable, smooth, and easy payment processing.

    Negative

    I’ve been super impressed with this company! Everything has been so smooth, easy, and reliable from the very beginning. The processing is a breeze, the system is super user-friendly, and it really takes the stress out of handling payments. The only thing I’d really love is a mobile app, being able to manage everything on the go would make the experience even better. And if they already have one, I’m so sorry, because I haven’t been able to find it! Overall, I’m absolutely thrilled with the service and would definitely recommend them to anyone looking for trustworthy and efficient payment processing.

    Read More...
  • Reviewer Name: Kyle F.
    Position: Owner
    Has used product for: Less than 6 months
    Uses the product: Weekly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Quick and easy invoicing

    Date: May 21 2025
    Summary

    Great service will recommend to other owners. East to use and fast payments received in my bank account.

    Positive

    Currently 0% invoicing fees for ACH transmissions. As a photographer, I don't like paying the typical 3% to receive credit card payments. My client's also don't like paying 3% to use a credit card for their payment. Its so easy to create payment links, attach the invoice, and get paid. Money arrives in the bank accounts in just 2 days.

    Negative

    Cant think of anything. There are no cons that I can think of.

    Read More...
  • Reviewer Name: Simon W.
    Position: Owner
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great Support and Easy to work with

    Date: May 22 2025
    Summary

    it is good as a great alternative to the other platform that I was using for years. Support is quick to fix a problem. I didn't even submit a ticket. I just simply replied to an email about how my experience was. It was having many duplicate invoices and even when an invoice was changed within the system, it was producing those. Nickel got it fixed the very next day.

    Positive

    It is able to sync to the accounting platforms and easy to setup to. The customer support helped quickly resolve a minor problem.

    Negative

    I wish it can show me a total of the amount and the number of transactions for the invoices that weren't paid when I select them all.
    I wish the transfers of funds were quicker. It isn't as fast as Melio. Maybe over time it might.

    Read More...
  • Reviewer Name: Paolo S.
    Position: CFO
    Has used product for: Less than 6 months
    Uses the product: Monthly
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Simple and RELIABLE way for me to receive payment.

    Date: Jun 04 2025
    Summary

    Overall, a very good experience. I moved from Melio because it was inconsistent with it's reporting and very frustating because of that. I found Nickel, gave it a try and has been very useful for my needs.

    Positive

    Simple to use. Reporting is solid. Unique links are a plus, and the emails are very timely. For my use case this is exactly what I need. While there are integrations that could be helpful, my use case needs SIMPLICITY and SPEED, and I feel like I get those.

    Negative

    Reporting, specifically export to CSV was missing a few columns that would be very helpful. It is not a deal breaker but was one thing that stood out. I would also like the ability to save customers and contacts.

    Read More...
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