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What is Nickel?

Nickel gives growing companies one place to handle every dollar coming in and going out. Invoices go out as branded links or hosted portals, and whoever owes you pays by card, ACH, or check without creating a login. Money goes out to suppliers, freelancers, and individuals via ACH, card, wire, or a check we print and mail, triggered by nothing more than an email address and cleared by the sign-off rules you set.

What separates us from the rest of the market is that we show our math: the fee structure behind each product is public, which no competitor has been willing to match. Transfers over ACH cost nothing regardless of volume, the Core plan has no subscription, disputed charges carry no penalty, and card payments sit at a flat 2.9% you can hand to the payer.

Books stay clean through direct QuickBooks matching, cash you aren't using earns 2% APY in Nickel Balance, and the 25,000+ finance teams already here were up and running inside five minutes with no card on file.

Pricing

Price Starts At:
Free
Price Overview:
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:
Free Version available.
Free Trial Offered?:
Yes

Integrations

Offers API?:
Yes, Nickel provides an API

Screenshots and Video

Company Facts

Company Name:
Nickel
Date Founded:
2021
Company Location:
United States
Company Website:
www.nickel.com
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Product Details

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

Product Details

Target Company Sizes
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

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

Nickel Customer Reviews

Write a Review
  • Reviewer Name: Jen F.
    Position: CFO
    Has used product for: 1-2 Years
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
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    Ease Of Use
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    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    A Valuable Tool: Nickel is great!

    Updated: Jul 21 2026
    Summary

    Overall we’re happy using Nickel-their customer service is fantastic and always available and the processing times are quick!

    Positive

    We are definitely happy with using Nickel since we signed up! We’ve had issues in the past with others customer service being poor or processing times for payments delayed, but we’ve had a great experience with Nickel!

    Negative

    We’ve been using Nickel quite awhile now and don’t have anything negative to report!

    Read More...
  • Reviewer Name: Chris M.
    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
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    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Nickel makes my company better

    Date: Sep 16 2025
    Summary

    Nickel provides me an economical, efficient and professional way of processing payments without the fees that are being charged in the industry. I appreciate what they offer as this makes my business better (at least the payment processing). Their support is expedient and effective! Thank you, Nickel!

    Positive

    Nickel processes are very efficient, user friendly and professional. The value is unparalleled as they offer free services in which even my bank would charge me monthly fees. The customer support is phenomenal as they are responsive and knowledgeable. Yes - I speak to a human who helps whenever there is need. Nickel processing helps me support my clients with easier ways to make payments in a very professional and efficient manner without all of the fees others are charging! Thank you, Nickel!

    Negative

    I would like to have the recurring payment feature without a monthly fee. Beyond this one feature - I have been very pleased with every aspect of Nickel.

    Read More...
  • Reviewer Name: Christopher E.
    Position: Bookkeeper
    Has used product for: 6-12 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

    My go-to payment process for all my clients

    Date: Sep 16 2025
    Summary

    I am happy with Nickel and will continue to use it. It's customer support and ease of use are what keep me using it.

    Positive

    Nickel is easy to use. The 2-way integration with QBO works seamlessly. Their customer support is quick and responsive. The system is easy to use.

    Negative

    The only feature I see that is still lacking is the multiple level approval process. They only allow a single level approval process.

    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: Karen J.
    Position: Office Manager
    Has used product for: 6-12 Months
    Uses the product: Daily
    Org Size (# of Employees): 1 - 25
    Feature Set
    Layout
    Ease Of Use
    Cost
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    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Great Product and Great Cost Savings

    Updated: 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...
  • Reviewer Name: A Verified Reviewer
    Position: Operations
    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
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    Would you 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...
  • Reviewer Name: Stacey B.
    Position: Owner and Advisor
    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

    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...
  • 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...