--- title: "Nickel Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Nickel Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/10022315/Nickel/" page_type: "product" language: "en" --- # Nickel Software Review 2026: Features, Reviews, Integrations, Pros & Cons Last updated on August 21, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Nickel ## What is Nickel? Nickel is an all-in-one accounts payable and accounts receivable platform that helps B2B businesses grow their cashflow. Get paid faster with branded payment links and portals — customers pay by card, ACH, or check, and never need an account. Pay any vendor, contractor, or individual by ACH, card, wire, or mailed check using just their email, with custom approval workflows. Keep more of every dollar with free unlimited ACH, no monthly fee, no chargeback fees, and 2.9% flat-rate card processing you can pass to the payer. Native QuickBooks sync matches every payment to your books one-to-one, and idle cash earns 2% APY with Nickel Balance. We only succeed when you succeed, which is why we do the one thing our peers won't: publish exactly how we make money on every product. More than 25,000 B2B businesses, and the accountants who serve them, run their cashflow on Nickel. Get started free in five minutes — no credit card required. ## What is Nickel used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Accounts Payable](https://www.capterra.com/accounts-payable-software/)[Accounts Receivable](https://www.capterra.com/accounts-receivable-software/) Recognitions Best ease of use Top alternative Featured Overall rating Based on 40 user reviews Reviews sentiment Positive 100% Neutral 0% Negative 0% Contact vendor for pricing Free trial available Includes Free Version Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... - Payment Processing / 2026 Our "Best of" badge program showcases products with the highest ratings... - Payment Processing / 2026 Do you work for Nickel?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.getnickel.com&name=Nickel) ## Nickel Overview Updated August 2026 AI summary Nickel is a cloud-based payment processing solution designed for small businesses seeking efficient management of online, card, and ACH payments. It features QuickBooks integration, invoicing, recurring billing, and payment links, with reviewers highlighting its ease of use, responsive customer support, and transparent, cost-saving pricing. Nickel supports data security and compliance, and offers customization and reporting tools. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Nickel 5.0 (40) VS. [4.6 (3,376)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 5.0 (40) Ease Of Use 4.5 (26,598) Value For Money 4.9 (39) Value For Money 4.3 (20,439) Customer Service 5.0 (38) Customer Service 4.2 (20,696) ## Nickel alternatives Highest Rated [4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/) Starting price $30.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 92% of reviewers rated it above 4 stars [4.2 (405)](https://www.capterra.com/p/184673/Melio/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [4.5 (337)](https://www.capterra.com/p/131733/PayStand/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 92% of reviewers rated it above 4 stars [4.2 (2,067)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/10022315/Nickel/alternatives/) ## FAQs about Nickel Overview ### Which roles and teams benefit most from Nickel? Nickel is most used by business owners, founders, and executives who need clear oversight of finances and daily operations. Finance teams, including CFOs, bookkeepers, and accountants, use it to manage records and reporting, while office and operations staff rely on it to streamline administrative workflows, project coordination, and client-related tasks. Answer based on 27 reviews Overview ### What company size and industries is Nickel built for? Nickel is built primarily for small businesses, which make up 96% of reviewers, with accounting leading at 22%. It also serves information technology and services at 15%, non-profit organization management at 11%, and a smaller enterprise segment at 4%, with payment processing as the common use case. Answer based on 27 reviews Features and Usability ### What are the key features of Nickel? Nickel offers payment processing features including ACH payment processing, debit and credit card processing, electronic payments, mobile payments, and online payments. It also includes billing and invoicing, recurring and subscription billing, payment links, payment gateway integration, transaction monitoring, reporting and analytics, compliance management, and PCI compliance. Integrations ### Which third-party tools and platforms does Nickel integrate with? Nickel connects natively to HubSpot Content Hub and QuickBooks for marketing content management and accounting workflows. These two integrations cover core business functions and give Nickel users direct links to common sales, publishing, and finance tools. Answer based on 7 reviews Getting Started and Support ### What training and onboarding options does Nickel offer? Nickel provides in person training, live online sessions, webinars, documentation, and videos to help teams get started. In person and live online formats support guided setup, webinars cover product topics in a group setting, and documentation and videos offer self-paced reference material for learning features and reviewing steps. Getting Started and Support ### What customer support options does Nickel offer? Nickel provides email/help desk, FAQ/forum, knowledge base, phone support, 24/7 live rep, and chat. Users describe support as responsive, quick to answer, and helpful during setup and integrations, with staff joining calls to walk through questions and resolving minor issues promptly. Answer based on 5 reviews ## Features AI summary Based on 17,379 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) Nickel supports all three of the features reviewers rate most important: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses protect transaction data, accept payments through digital channels, and process card transactions reliably, allowing teams to manage payments with greater confidence and efficiency. Data Security 4.9 (18) 100.00% of 18 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 5.0 (31) 100.00% of 31 reviewers that rated this feature as important or highly important Accept and process online payment transactions Debit/Credit Card Processing 4.8 (17) 88.24% of 17 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Payment Fraud Prevention 4.9 (11) 90.91% of 11 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. ACH Payment Processing 5.0 (24) 100.00% of 24 reviewers that rated this feature as important or highly important Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Transaction Monitoring 5.0 (21) 95.24% of 21 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities Nickel 73 features ### All Features - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Accounting Integration: Integrate with a third-party accounting system - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Aging Tracking: Categorizes outstanding invoices based on the amount of time they have remained unpaid - AI Copilot: A virtual assistant that uses AI to pursue goals and complete tasks on behalf of users - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - API: Application programming interface that allows for integration with other systems/databases - Approval Process Control: Manage the process of evaluating documents or requests submitted for approval - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Cash Management: Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances - Check Processing: Receive and deposit or issue and record check payments - Check Writing: Issue payments to third parties via checks - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Credit Card Management: Financial system that helps create and manage physical/digital credit cards and track transaction activities - Credit Card Processing: Accept and process credit card transactions - Customer Database: A collection of customer information such as contact details, demographics, previous interactions, etc. - Customer Statements: Reports that show customers their invoices, payments, and balance on the account - Customizable Branding: Add customized logos and colors to align with company branding - Customizable Templates: Pre-designed layouts that can be customized to match preferences and requirements - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Data Synchronization: Synchronizing data between two or more devices/systems and automatically updating changes to maintain consistency - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Digital Wallet Integration: The ability to process payments from a digital wallet service or other digital payment method. - Digital Wallet Payments: Allows customers to check out with wallet payment methods that digitally store credit and debit cards - Document Management: Store, manage, and track all electronic documents in a centralized location - Due Dates: Set deadlines and milestones for tasks, manually or automatically (based on project templates). - Duplicates: Detects and prevents a wide range of duplicate payments - Electronic Funds Transfer: Transfer money electronically between two bank accounts - Electronic Payments: Electronically collect payments for goods or services - Encryption: Convert data into a code for security - Filters: Includes a library of audit-tested filters to identify AP outliers that are outside company policy - Financial Management: Plan, manage, and track the financial activities of an individual or organization - Fraud Detection: Identify and prevent suspicious activity - Generative AI: Use AI to generate content in the form of text, images, videos, etc. - Invoice Management: Captures invoice data and maintains comprehensive records for auditing and reporting purposes - Invoice Processing: Creation, processing, verification, and execution of invoices till the payment is made - Invoices: Create invoices for services provided and track payments - Mobile Payments: Clients can submit payments via mobile devices - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Payments: Accept and process online payment transactions - Partial Payments: Allow customers to make a partial payment on an invoice and track remaining debt - Payment Collection: Tracking, managing, and initiating the transfer of funds for overdue customer payments - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Payment Gateway Integration: Integration with payment gateways to facilitate online transactions - Payment Links: Send clickable links via text or email to collect payments from customers - Payment Reconciliation: Reconcile payments with corresponding invoices or orders for accounting purposes - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Post Audits: Conducts a post-audit analysis of large volumes of data to identify historical payment errors and automatically generate claims - Real-Time Data: Receive data and information in real time - Receipt Management: Upload, track, and submit receipts in a central database - Receivables Ledger: A list of customers and their payments due updated on a monthly basis - Recurring Payments: Automatic and regular transactions made through a secure online platform at predetermined intervals (monthly, quarterly, etc.) - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reminders: Timed notification for any upcoming task, deadline, appointment, or activity - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Sales Reports: Reports specific to sales analysis for trends and strategies - Sales Trend Analysis: Analyze the current state of sales data to accurately understand trends and forecast future sales numbers. - Search/Filter: Search and filter data across systems to locate required information by entering keywords or certain criteria - Self Service Portal: Online portal through which end users can access the system, manage tasks, or obtain information - Status Tracking: Track the status over time for a request, process, asset, or transaction - Supplier Management: Manage all supplier data and operations - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period - Transaction Monitoring: Monitor or audit historical and current transactions to analyze customer account activities - Vendor Checks: Enables automatic checks of new vendors being set up in the system to combat potential billing schemes - Vendor Management: Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. - Workflow Automation: Streamlining repetitive tasks and activities through automated and predefined workflows - Workflow Management: Create, design and manage workflows for repetitive tasks - Workflows: Facilitate access from initial access ticket submission through supporting chain of custody throughout the workflow for OT environments. --- Get Advice We can help you find the software with the features you need. Features 4.9 (40) 4.9 Based on 40 reviews ## Pricing Value for money 4.9 (39) Free Trial Free Version Nickel $0.00 It includes: - Send and receive unlimited free ACH - Send and receive card payments (2.9% fee for sending) - Real-time payouts (no batching) - Custom Branded Payments Portal - Unlimited Unique Payment Links - QuickBooks Online Sync - User Permissions Value for money 4.9 (39) 4.9 Based on 39 reviews ## Integrations [ QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ HubSpot Content Hub](https://www.capterra.com/p/201318/HubSpot-CMS/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 5.0 (38) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 5.0 (38) 5.0 Based on 38 reviews ## User reviews Overall rating 5.0 Based on 40 reviews Filter by rating 5(38) 4(2) 3(0) 2(0) 1(0) Mentioned topic Sorted by most recent ED Elliott D. Cofounder and COO CFO Retail ### "Reliable ACH for large vendor bills" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 28, 2026 We use Nickel to pay large vendor bills by ACH, including six-figure Meta invoices. Setup was straightforward, ACH is the point, and when a payment needed to be expedited our CSM actually moved it. One card (Amex B2B) got declined and reversed; support diagnosed it and pushed a fix. For ACH vendor pay, this is the tool we keep using. Pros ACH for large vendor bills with no drama; our CSM (Colton) will expedite a payment when we ask; works for the Meta-scale payments we actually run. Cons The card path can still hit issuer B2B declines, and delivery timing in the UI has been confusing once or twice (it said tomorrow, then Friday) until support corrected it. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RG Rob G. Owner Computer & Network Security ### "Nickel Makes Free Billing Effortless with Seamless QuickBooks Desktop Integration" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 28, 2026 Before switching to Nickel, I was paying a recurring monthly subscription for merchant processing whether I billed clients that month or not. Nickel completely eliminated that overhead cost while simplifying my client payments. It integrates directly with my QuickBooks setup, automatically handles credit card fee adjustments, and gives my clients a smooth, simple way to pay via ACH or card. It saves me time on billing admin and cuts unnecessary software expenses. Pros Nickel has been a huge upgrade for my business billing. Unlike other platforms that charge monthly subscription fees regardless of usage, Nickel is completely free to use. It integrated seamlessly with my QuickBooks Desktop setup, making my workflow effortless. My clients love the straightforward payment process, and offering them the choice between ACH and credit card—with credit card fees automatically calculated and adjusted—saves me time on every single invoice. Cons There really isn't much to complain about. Standard payouts can take 3 business days to clear, though they do offer faster processing options on their upgraded tiers. For my business, I'm more than happy with the short wait in exchange for a completely free invoicing platform that works this reliably. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Nicky C. CEO Information Technology and Services ### "Handles our invoicing and bill pay without any fuss" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 August 28, 2026 Very positive. It consolidated invoicing, vendor payments, and one-off payment links into one place for us, and it has been reliable from the start. Payments land when they should, nothing has gone missing, and I do not have to think about it much, which is exactly what I want from a payments tool. Reporting aside, everything works well. Pros We run both sides of our payments through Nickel: sending invoices and collecting from clients, and paying vendors on the way out. Free ACH transfers add up fast compared to card fees, and the payment links are useful for one-off charges where a full invoice would be overkill. Setup was quick and the interface is clean enough that I am never hunting for anything. Clients pay without needing an account or a walkthrough, which is usually where friction shows up with other tools. Cons Reporting is the one thin spot. I can see what has been paid and what is outstanding, but slicing the data by client or by period, or pulling anything close to a proper AR aging view, means exporting to a spreadsheet. More built-in reporting would save me that step. Nothing else has gotten in my way. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. DC Dan C. Owner Consumer Goods ### "Efficient and Cost-Free ACH Payments with Easy Integration" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 24, 2026 My bookkeeper recommended Nickel & it's been an extraordinary asset for our new business. It allows me to send free ACH payments to my consignors and connects effortlessly with my quickbooks. Pros I use Nickel for sending free ACH payments for our business, and it makes sending money free and easy. I love that it is free! I also enjoy connecting with QuickBooks, which makes my bookkeeping much easier. The initial setup for Nickel was very easy. Cons I wish there was nothing to pay for and that instant / quicker transfers were free. There is a world in which I would pay for some of the features but my business does not demand it at this time. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. CP Christine P. Controller Consumer Services ### "Easy Decision! Using Nickel for all our our companies now " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 20, 2026 We are using Nickel now with three companies. We started out with one company and had such a positive experience, we migrated both the other companies to Nickel as well. Everybody loves it! Pros Super intuitive and easy to use, great customer service, real-time emails when payments are made keeps us on track with AR collections Cons Nothing. We have had no complaints from any of our AR users or bookkeepers. Has been a very smooth transition Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Better features, ease of use, immediate emailsi when payments are made Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JB John B. President and CEO Events Services ### "Simple, Efficient, and Perfect for Managing Vendor Payments" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 20, 2026 My overall experience with Nickel has been excellent. Everything from onboarding new vendors to creating bills and paying freelancers is simple and intuitive. The entire platform feels like it was designed with efficiency in mind, which saves me a lot of time managing vendor payments. It makes the whole process straightforward from start to finish. Pros Nickel is a great product. As a company that regularly hires vendors and 1099 freelancers, having a simple and reliable way to manage payments is critical to our business. Nickel makes paying our freelancers easy, efficient, and streamlined, saving us time and making the entire payment process much easier to manage. Cons I honestly can't think of anything negative to say about Nickel. So far, the platform has been easy to use, reliable, and has worked very well for our vendor payment needs. Switched from [Deluxe Payment Exchange](https://www.capterra.com/p/166710/Deluxe-eChecks/) I switched from eChecks because the payment process was cumbersome for my vendors. They had to print the check and either take it to their bank or try to deposit it online, which didn't always work due to check recognition issues. Nickel has made the payment process much simpler and more convenient for both my vendors and my business. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. EO Emily O. Administrative Assistant Electrical/Electronic Manufacturing ### "Our customers love the ease of payment via Nickel! " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 20, 2026 Pros We have a link for our customers to make payment via Nickel on every Invoice. It is nice and convenient for both parties. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RF Roby F. CEO Graphic Design ### "Great product!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 18, 2026 It's been great. Has been my most recommended product in years. Just love how it saves me money, makes my invoices more on-brand, and it's just been a better brand experience in general Pros Free ACH, better customer experience, custom invoice, and easy payment for customers where they can choose between ACH or CC. Cons I wish I could use it completely without needing Quickbooks! I do think they need to make the invoice preview clickable so I don't have to send the invoice PDF to customers along with the link. Have asked a few times for this feature. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. David A. Aviation Insurance Professional Insurance ### "Looking for an AR/AP solution? Nickel is the answer." 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 11, 2026 It's been great. I have used several similar services and so far Nickel has been my favorite. It's easy, fast, reliable, and at nearly no cost to my business. Pros Nickel has been a phenomenal partner for my accounts receivable and accounts payable needs for my aviation insurance brokerage. The pricing is highly competitive, the funds hit my account quickly, it's been reliable, and on the few times I've needed support, they have been responsive, helpful, and provide quick resolution. Cons I am very happy overall with Nickel and there's not much that I do not like about the service! I wish that 1) they integrated with Xero, and 2) that their API access came at a lower subscription cost. I am able to make due without those in my day to day business operations, however, and it's worth the sacrifice. Switched from [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Nickel was better suited for the flow I was seeking in my AR process. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reasons for choosing Nickel Nickel handled my agency billed payment flow better than what Helcim made available. It was also less expensive and offers faster settlement. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. PK Paul K. Operations Management Consulting ### "Operations" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 24, 2026 The interface is very clean and 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. Pros Nickel makes handling Accounts Payable (AP) and Accounts Receivable (AR) simple. I like that I can send and receive ACH payments completely for free. It also allows me to pass credit card processing fees directly to the customer, which saves our business a lot of money. Cons A downside is that they do not offer international payment options right now. There is also no way to transfer funds between internal Nickel accounts directly. Switched from [Melio](https://www.capterra.com/p/184673/Melio/) Melio required a payment plan and the price was too high. Alternatives considered [Corpay](https://www.capterra.com/p/152950/Nvoicepay/) Reasons for choosing Nickel Price and level of service was far better. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Administrative Assistant Consumer Goods ### "Makes My Job Easier" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 22, 2026 My experience with Nickel has been really positive so far. From my perspective as someone who handles the day-to-day office tasks, I appreciate how easy and straightforward the system is to use. Processing payments is simple, smooth, and doesn’t add unnecessary stress to my workload. I like that everything feels organized and reliable. I don’t have to spend a lot of time figuring things out or dealing with complicated steps, which makes my job easier and helps everything run more efficiently. Pros I've honestly had a really good experience with this processing company. From day one, everything has been super easy. The payment processing is so smooth that I barely even notice it's happening. Everything goes through fast, and I don't have to stress about whether it's going to work or not. That I like the most is that it's simple to use. I'm not trying to figure things out all day because everything just makes sense. And whenever I've needed help, their team has always been quick to respond and really helpful. That kind of customer service means a lot to me. Cons Everything has been working great since I started using it. The process is simple, payments go through smoothly, and it’s one less thing I have to worry about when running my business. What I really like is that it doesn’t feel complicated. I don’t have to spend extra time trying to understand the system or fix issues. It just does what it’s supposed to do, and that makes a big difference. Switched from [EBizCharge](https://www.capterra.com/p/135930/EBizCharge/) There is no protection against fraud, and it feels like there is no consideration or support provided for the company’s needs. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JF Jen F. COO Information Technology and Services ### "A valuable tool for our company-Nickel Rocks! " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 21, 2026 Their customer service is quick to help if needed. There always step by step email notifications for payments which we love! Our customers love the ease of use as well-credit card payments are fastest we’ve seen & we’re confident everything is secure too. Pros The ease of this service is outstanding! Processing & payments are quick & efficient and their customer service is always quick to help! Cons N/A- we’re quite pleased after moving from another service provider that always had issues with how quickly payments came through-not Nickel! Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Customer service & processing-nickel works much better with our bank. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. KB Kati B. operations manager Construction ### "A Payment Platform That Keeps Everyone Happy" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 21, 2026 Pros 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 Cons 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. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. SW Stephen W. Director of Finance Railroad Manufacture ### "Easiest Platform to Use" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 21, 2026 We have had issues with Melio and Bill.com ranging from sync issues to payments showing delivered but they never were. So coming to Nickel has been a great experience and our vendors have enjoyed it too. Pros It's very easy to use. Payments are processed quickly, and the sync works great with QBO. Payments at most take 2 days which is great. Cons There is nothing I don't like about Nickel, everything is working great so far. There have been a couple features we wanted and within a couple weeks those features were added so nothing to complain about. Switched from [Melio](https://www.capterra.com/p/184673/Melio/) Support times got to be several days between responses. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) Reasons for choosing Nickel Bill batches their syncs to QBO and it created more time to create journal entries to separate the payments. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. NW Natasha W. Owner Airlines/Aviation ### "Nickel is incredible" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 16, 2026 Pros Nickel is incredible and I am so thankful I found them. Unlike BILL, Nickel responds within a hour to support issues, their platform is super easy to use, and they do not charge PER transaction fee on top of being a SUPER LOW monthly rate. NICKEL IS THE BEST!!!!!!! Avoid BILL at ALL costs. Cons Con is that I tried BILL.com first... I should have never used them... EVER. Nickel is the best hands down. Switched from [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) BILL.com is the worst company I have ever used. They have ZERO support, they take money without asking, they withdrawal EARLY causing NSF's, and their fees are high. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. KJ Karen J. Office Manager Furniture ### "Nickel is a GREAT resource for our company!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 16, 2026 I have had a great experience with Nickel. Their customer service is fast to respond, I don't have to worry about charges on each transaction and it is easy for my clients to use. Pros We moved to Nickel when Quickbooks raised their price per transaction by almost double. I found Nickel and have never looked back. Easy to use, money lands in the account quickly and the price is great. Cons The only thing I don't like is you can't list a bunch of invoices at one time and it adds it all up for you. For instance a line by line of each invoice and what they are for. This is so basic it's not a big deal, it can just lead to miscalculations on my part. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) They kept going up in price and I felt trapped. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. EH Elle H. Programs and Events Director Non-Profit Organization Management ### "A Valuable Tool for Invoice and Payment Management" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 15, 2026 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. Pros 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. Cons So far, I haven't encountered any significant drawbacks. Our experience has been very positive, and the platform has met our needs well. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. YG Youstina G. Salesforce Architect Information Technology and Services ### "Great payment processor with great support!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 15, 2026 Great, I would recommend this to other businesses looking for a payment processor that is easy, modern and with good API Pros \- Support responds back FAST! - Good API available to automate with our CRM - Great modern UI - Settings to allow partial payments as well as other settings Cons \- We have had a couple of issues with the API related to webhooks on receiving payments to the bank but we are working to resolve them with their support. Switched from [authorize.net](https://www.capterra.com/p/221412/authorizenet/) Authorize had lots of limitations regarding per transaction limits that were limiting to our company Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RP Richard P. Owner Insurance ### "Nickel, the payment system I've always wanted!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 15, 2026 Excellent. I'm so glad I found them. It's easy to learn, after a week I felt confident and could find any functionality I needed. Pros Ease of signing up, ease of learning a new system. It's simple, and most importantly, it works well. Cons There wasn't anything I didn't like. Learning a new system can be a challenge, but it just put together so well, it was easy. Alternatives considered [EBizCharge](https://www.capterra.com/p/135930/EBizCharge/) Reasons for choosing Nickel Simply billing plan, ease of use. The control panel provides me all the information I need at a glance. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. CC Carson C. Staff Accountant Non-Profit Organization Management ### "Effortless payments" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 15, 2026 It's been great working with Nickel and each team member. \[sensitive content hidden\] was wonderful to work with and answered all my questions quickly. Pros Nickel makes it very easy for the owners of our association to make payments. Most of our residents aren't very tech savvy so this allows them to make payments almost effortless. Cons The HOA has to set up the payment plans. It would work a hair better if I could give them a dollar amount and time frame while the resident decides their payments based on their budget Switched from [Zego](https://www.capterra.com/p/230122/Zego/) Price was the factor. Also Zego had a lot of downtime Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Mateo V. Director of Finance and Operations Entertainment ### "Easy to use, reliable platform" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 14, 2026 Overall a positive experience with Nickel, their onboarding and support teams. Our vendors seem to like it as well. Pros Ease of use, connectivity to Quickbooks Online without any fuss, ease of onboarding new vendors, easy to use payment link. Cons We find that it sometimes takes a bit longer for our ACH payments to arrive to vendors than we'd hope. Alternatives considered [BILL Accounts Payable & Receivable](https://www.capterra.com/p/166559/BILL/) [Ramp](https://www.capterra.com/p/207081/Ramp/) Reasons for choosing Nickel Ease of use and onboarding met our expectations Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. SA Sasha A. Owner Accounting ### "Give Nickel a try - it is worth it!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 18, 2025 Pros You can't beat the pricing - free unlimited ACH payments where I was getting charged 1% with another provider. Cons I don't have much complaints about Nickel - maybe the lead time on the ACH processing time, but I understand that it is somewhat out of their hands and more to do with the bank. Alternatives considered [Melio](https://www.capterra.com/p/184673/Melio/) Reasons for choosing Nickel Unlimited ACH transactions in the month and free Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Shawn M. Project Manager Wholesale ### "Light SoCal Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 December 15, 2025 Very positive, highly recommend. I have not had any issues with processing orders and encourage other businesses to give it a try! Pros Makes processing orders intuitive and easy. Very easy to create a customer and the link is helpful. Orders are processed and received quickly as well. Cons Haven't run into any problems at this time. I use Nickel on a semi-weekly basis and have not found there to be any issues with processing my customer's orders. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. SB Stacey B. Owner and Advisor Leisure, Travel & Tourism ### "Seamless QuickBooks Integration, Effortless Payments" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 5, 2025 I appreciate Nickel because its integration with QuickBooks is remarkable. Using the Bill Pay app that works seamlessly with QuickBook sallows 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. Pros 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. Cons I have nothing negative to report. So far my experience with Nickel has been nothing but positive. Highly recommend. Switched from [Zeller](https://www.capterra.com/p/10005081/Zeller/) [Venmo](https://www.capterra.com/p/222572/Venmo-/) Not all banks use Zelle for business accounts. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Ruby L. Operations Construction ### "Nickel is worth it" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 November 27, 2025 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. Pros 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. Cons I have no dislikes at this time. I think that this payment processing option is worth the time and effort it takes to obtain. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. 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