--- title: Nickel Reviews meta_title: 'Nickel Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 194 reviews by the users' company size, role or industry to find out how Nickel works for a business like yours. aggregate_rating: rating_value: 4.9 review_count: 194 scale: '5' date_modified: '2026-08-04' parent_category: name: Payment url: https://www.g2.com/categories/payment --- # Nickel Reviews **Vendor:** Nickel **Category:** [Payment Processing Software](https://www.g2.com/categories/payment-processing) **Average Rating:** 4.9/5.0 **Total Reviews:** 194 ## About Nickel Cashflow is the lifeblood of every American business, yet the financial services you rely on to move, save, and borrow money quietly bleed it. Nickel is a different kind of company. We're an all-in-one accounts payable (AP) and accounts receivable (AR) platform that gives your business the financial products, software, and AI it needs to grow its cashflow. We only succeed when you succeed, which is why we do the one thing our peers won't: we publish exactly how we make money on every product. It's not a marketing stunt. It's the most transparent payment processor you'll find, and a new bar for the industry. More than 25,000 B2B businesses, and the accountants who serve them, run their cashflow on Nickel with free unlimited ACH and some of the lowest fees in the industry. Here's what you can do with Nickel: Get paid faster, Accounts Receivable. Create branded payment links and payment portals in seconds and share them by text, email, or your website. Customers pay by card, ACH, or check, and they never need a Nickel account. Save payment methods on file with Nickel Plus to enable one-click and recurring payments. Pay vendors without the busywork, Accounts Payable. Pay any business, 1099 contractor, or individual by ACH, card, wire, or mailed check using just their email address. Set custom approval workflows so large payments always get the right sign-off. Keep more of every dollar, transparent by design. Free unlimited ACH with no per-transaction percentage and no volume cap, on the Nickel Core plan with no monthly fee. No chargeback fees and no hidden costs, plus a published breakdown of how we make money on every product. Competitive 2.9% flat-rate card processing on all domestic cards, with the option to pass card fees to the payer. Built to handle high-value B2B transactions up to $1M without a hitch on Nickel Plus. Stay in sync and in control. Native QuickBooks sync (Online, Desktop, and Enterprise) means every payment matches your books one-to-one, with no batch deposits and no double entry. A Master Account and Subaccount structure lets you manage multiple businesses or clients under a single login. Earn 2% APY on idle cash in Nickel Balance, accrued daily. Developers can build on Nickel's REST API and webhooks for ACH, card, and wire with Nickel Pro. Backed by AI and real humans. CC Penny, Nickel's AI accountant, on any email to coordinate and handle a payment for you. And when money's on the line, a US-based support team is ready to assist you. We're setting an audacious new bar for transparency in financial services, and we want you to hold us to it. Don't ever settle for less. Join 25,000+ businesses moving their money on Nickel. Get started for free in five minutes, with no credit card required. ## Nickel Pros & Cons **What users like:** - Users find Nickel's **ease of use** and seamless QuickBooks integration to be a game-changer for payment processing. (98 reviews) - Users value the **easy and efficient ACH payments** with Nickel, praising its seamless integration with QuickBooks. (80 reviews) - Users praise Nickel for its **easy setup** , making transaction management seamless and efficient for their businesses. (53 reviews) - Users appreciate the **affordable pricing** of Nickel, enhancing efficiency for managing payments without extra costs. (44 reviews) - Users praise Nickel's **exceptional customer support** , noting quick responses and helpful assistance throughout their experience. (39 reviews) - Customer Satisfaction (33 reviews) - Payment Processing (31 reviews) - Users love the **easy integrations** with QuickBooks, simplifying payment processing and invoicing significantly. (28 reviews) - Invoicing (25 reviews) - Simple (25 reviews) **What users dislike:** - Users find Nickel lacks **essential features** , like scheduling future payments and sending invoices via phone numbers. (20 reviews) - Users face **invoicing problems** such as difficulty deleting transactions and lack of automated payment scheduling features. (15 reviews) - Users express frustration with the **delays in ACH payments** , wishing for faster transaction times like credit cards. (12 reviews) - Users find the **limited payment options** for international transactions a drawback, preferring more varieties like PayPal or Zelle. (10 reviews) - Users experience **invoicing issues** with Nickel, particularly regarding scheduling future payments and locating invoices. (10 reviews) - Design Improvement (9 reviews) - Users express dissatisfaction with **payment issues** , including unexpected account closures and slow processing times. (9 reviews) - Payment Delays (6 reviews) - Poor Navigation (6 reviews) - Not User-Friendly (5 reviews) ## Nickel Reviews ### 1. Exceptionally User-Friendly and Intuitive Experience **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** December 19, 2025 **What do you like best about Nickel?** How user friendly it is, mu customers have had nothing but good things to say. How quickly the support is to help in answering my many questions. Implementation was very easy and took very little time to do. **What do you dislike about Nickel?** That there is not a way for a customer to schedule a future payment from the emailed invoice. However, this is something they are looking to be able to do in the future. **What problems is Nickel solving and how is that benefiting you?** They are working on getting a more robust auto payment system for customers to pay and set up on their own. ### 2. All-in-One Hub for Payments and Customer/Vendor Tracking **Rating:** 5.0/5.0 stars **Reviewed by:** Ashland R. | Small-Business (50 or fewer emp.) **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** It is a hub that keeps track of all my incoming and outgoing payments. It has a database with all my customers and vendors. I don't have to re-enter information every time I need to send a bill or collect on one. **What do you dislike about Nickel?** Nothing! I have had no issues at all. It has been smooth sailing since joining. **What problems is Nickel solving and how is that benefiting you?** In roofing, all payments received need to be accounted for precisely for insurance companies. Nickel makes that easy. Everything is searchable. ### 3. Easy to Use, Reliable, and Great Value **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2026 **What do you like best about Nickel?** It’s easy to use and reliable, with a clean interface. Customer support is helpful, and overall it offers good value. **What do you dislike about Nickel?** Attaching credit card information forms for recurring processing could be simpler. It would also be helpful to have in-platform terms and conditions that customers can review, acknowledge, and sign during online payments. **What problems is Nickel solving and how is that benefiting you?** It is allowing us to spend less in overall fees. ### 4. Easy to Use, Seamless QuickBooks Integration, and Simple ACH Payments **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Automotive | Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2026 **What do you like best about Nickel?** Easy to use, works seamlessly with Quickbooks, and we can use it to pay ACH payments **What do you dislike about Nickel?** When you go to Get Paid and want to view the payment portal link to double check it, you have to copy and paste. I wish there was another button that also just took me to the payment portal like for double checking. **What problems is Nickel solving and how is that benefiting you?** Much less fees compared to Quickbooks! ### 5. Cost-Effective Payment Solution with Easy Setup **Rating:** 4.5/5.0 stars **Reviewed by:** Sasha A. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** December 09, 2025 **What do you like best about Nickel?** I use Nickel for receiving payments and switched over from Intuit because of their 1% ACH and bank fees. I appreciate that Nickel is free for ACH payments. The setup was super easy, and I like that ACH payments are not limited to only a few each month. As a small business, this helps a lot with managing costs. **What do you dislike about Nickel?** The lead time for ACH payments to hit the bank - but it isn't a deal breaker. **What problems is Nickel solving and how is that benefiting you?** Nickel helps reduce my payment processing costs and makes receiving customer payments simple and affordable. ### 6. Cost-Effective Payment Solution with Smooth Setup **Rating:** 5.0/5.0 stars **Reviewed by:** Archadeck of C. **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** I like Nickel because it automatically handles credit card fees and is less expensive than the payment service I used before. The affordable cost is a big plus for me. The initial setup was very easy, which made the transition smooth. **What do you dislike about Nickel?** We can't see when our customers have viewed the bills but they're working on adding that feature **What problems is Nickel solving and how is that benefiting you?** Nickel automatically handles credit card fees and is less expensive than my previous payment service. ### 7. Reliable ACH Payments and Great Support **Rating:** 4.5/5.0 stars **Reviewed by:** Mick S. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** November 12, 2025 **What do you like best about Nickel?** Clean and intuitive UI - easy to onboard and get started ACH and invoice flows are reliable **What do you dislike about Nickel?** When using a free account, ACH transfers take a few additional days to be delivered. **What problems is Nickel solving and how is that benefiting you?** Nickel has been a great tool for managing payments. The interface is clean and intuitive, which made it easy to get started and onboard my team. ACH and invoice flows are reliable, and the support team has always been responsive and helpful whenever I’ve needed assistance. Overall, it has made our payment process more efficient and stress free. I would definitely recommend Nickel to other businesses looking for a dependable payment solution. ### 8. Effortless Expense Tracking with Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Joshua B. **Reviewed Date:** October 15, 2025 **What do you like best about Nickel?** I appreciate Nickel's easy bank account linkage with QuickBooks, making setup simple. Using it for over a year, I find managing expenses for our homeschool co-op group effortless. I like the cheap rates and ease of use, especially the useful bank and ACH transfers. Its straightforward system allows guests to handle credit card fees, offering flexibility. Integrating quick payments and income tracking has been really easy, making managing multiple transactions efficient. **What do you dislike about Nickel?** I dislike the lack of integration with other third-party software, such as our hotel software. **What problems is Nickel solving and how is that benefiting you?** I find the product simplifies tracking expenses, gathering payments, and tracking income for our homeschool co-op group. It's easy to use, integrates with QuickBooks, and offers cheap bank and ACH transfers. ### 9. Simplified Billing with Responsive Support **Rating:** 4.5/5.0 stars **Reviewed by:** Hallie T. **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** I like that Nickel is very simple, which helps reduce stress when running a small business. It's also faster, simpler, and cheaper than other alternatives for ACH payments. The customer service is really responsive, which I appreciate. The initial setup was extremely easy and straightforward. **What do you dislike about Nickel?** Nothing that I can think of. **What problems is Nickel solving and how is that benefiting you?** I use Nickel for invoicing and paying subcontractors. It's faster, simpler, and cheaper than other ACH alternatives. ### 10. Nickel Makes Vendor Setup and Payments Simple **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Commercial Real Estate | Small-Business (50 or fewer emp.) **Reviewed Date:** May 18, 2026 **What do you like best about Nickel?** Nickel is very simple! Simple for the vendors to set up their info. and simple for issuing payments. **What do you dislike about Nickel?** Would be helpful to issue one payments directly to vendors with all invoices included. **What problems is Nickel solving and how is that benefiting you?** Being able to issue ACH payments quickly and efficiently. ### 11. Simple to Use with Great Customer Service **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Insurance | Small-Business (50 or fewer emp.) **Reviewed Date:** June 17, 2026 **What do you like best about Nickel?** Simple to use and great customer service **What do you dislike about Nickel?** Would more cusotm branding options for payment page and notification emails. **What problems is Nickel solving and how is that benefiting you?** Provides our customers with a modern payment solution. ### 12. Nickel is a solid solution for small businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Christopher E. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** September 08, 2025 **What do you like best about Nickel?** I really appreciate the responsiveness of the support team. They are always available to answer my questions. They have also implemented some of my suggestions. I appreciate that ACH payments are free and that you can pass the credit card fees onto your customers. The two-way integration with QuickBooks Online works great. **What do you dislike about Nickel?** ACH payments are sometimes slow to arrive. **What problems is Nickel solving and how is that benefiting you?** I moved to Nickel when my previous payment processor tripled their check writing fee. Nickel is still $2/check. ACH is free, but some of my clients still use checks. ### 13. Safe, Efficient Payment Solution That Boosts Collection Times **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Mid-Market (51-1000 emp.) **Reviewed Date:** December 05, 2025 **What do you like best about Nickel?** Nickel has been a great solution for us. With all the problems people have had when sending checks in the mail, Nickel was a way for us to offer a safe payment solution to our clients. Not only does it address our customer's concerns with mailing their checks, it greatly improves our collection times! Nickel provides free ACH payments and allows us to accept credit card payments for the few customers that need to do so. **What do you dislike about Nickel?** There is really nothing to dislike! It would be helpful if the single transaction amount could be raised. **What problems is Nickel solving and how is that benefiting you?** Provides payment options for our customers that are safer than sending checks in the mail and this in turn provides for quicker collections for us! ### 14. Great Support and Easy to work with **Rating:** 5.0/5.0 stars **Reviewed by:** Simon W. | CEO, Accounting, Small-Business (50 or fewer emp.) **Reviewed Date:** May 22, 2025 **What do you like best about Nickel?** It is able to sync to the accounting platforms and easy to setup to. The customer support helped quickly resolve a minor problem. I was able to get it setup in an hour. I connected with Quickbooks Online. I use this twice a month. **What do you dislike about Nickel?** 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. **What problems is Nickel solving and how is that benefiting you?** there are plenty of options for accepting payments but what set Nickel apart is the ability to sync with the accounting platform. I was using Melio for a long time but they made some changes and now I can't revert back ### 15. No more paper checks: ACH made simple for our complex operations **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Real Estate | Small-Business (50 or fewer emp.) **Reviewed Date:** September 12, 2025 **What do you like best about Nickel?** We use Nickel to pay vendors (both via ACH and checks) with remarkable ease. The UI is clean, intuitive, and setup was fast. Whenever I’ve had questions, support has stepped in via chat and resolved setup or configuration items immediately. What makes it especially valuable in our business: Our company operates with multiple subsidiaries and banking relationships. Before Nickel, we relied on checks for intercompany payments. We wanted to move away from this, and before finding Nickel we considered using our banks’ online interfaces. That approach would have meant paying multiple banks’ ACH fees, or setting up ACH collection at a parent bank and managing balance offset requirements—both expensive and time-consuming. With Nickel, we can initiate intercompany payments from subsidiaries or pull from our parent company as needed, all without the messy bank fee structures. No more paper checks is a dream come true. We’ve also onboarded customers onto Nickel’s payment portal, which allows invoices to be paid quickly and cleanly. No more wrestling with QuickBooks fees, merchant account issues, or invoice errors. We pay for Nickel Plus and get 2-day turnaround on ACH payments. The pricing is competitive, and we’re happy to accept that timeframe in exchange for significantly lower fees compared to our banks. Bottom line: For us, Nickel hits the sweet spot—simplicity, reliability, excellent support, and real savings, especially for intercompany payments and vendor transactions without bank-fee headaches. **What do you dislike about Nickel?** Honestly, nothing major. Nickel integrates with QuickBooks Online, which makes perfect sense. We’re still on QuickBooks Desktop, so it would be nice to have an integration—but I understand why they don’t, since Intuit is phasing out support for Desktop outside of Enterprise. The only other (very minor) item is that when switching between our companies, it wasn’t always immediately clear which entity I was in. That was mostly because I was moving quickly and not paying close attention, so more user error than a system issue. **What problems is Nickel solving and how is that benefiting you?** Nickel has eliminated our reliance on paper checks for both vendor and intercompany payments, saving us time, money, and hassle. Because we operate multiple subsidiaries with different bank relationships, our banks wanted to charge ACH fees at each account or push us into analyzed checking with balance requirements. Nickel allows us to initiate payments from any subsidiary or pull from our parent company without those added costs or complications. It’s also simplified customer payments—our clients can now pay invoices quickly through the Nickel portal, avoiding merchant account issues and QuickBooks fees. Overall, we’re spending less on bank fees, closing payments faster, and streamlining workflows across multiple entities. ### 16. Great for small business payment processing! **Rating:** 5.0/5.0 stars **Reviewed by:** Beau K. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2025 **What do you like best about Nickel?** I like that it's user friendly, professional, and has no-fee ACH payments. It's easy to set up, even for multiple locations or users. I've also reached out for support a couple of times and had great help with the customer service. **What do you dislike about Nickel?** Honestly, everything about it has been great. **What problems is Nickel solving and how is that benefiting you?** I wanted a simple, free solution to offer ACH payment links for my business. We deal with a small number of large transactions, so the fees that most processors charge really add up over time. ### 17. Free and Cost-Effective—A Rare Find **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Law Practice | Small-Business (50 or fewer emp.) **Reviewed Date:** May 05, 2026 **What do you like best about Nickel?** It is free. No cost. There were not a lot of solutions like that. **What do you dislike about Nickel?** No automatic reminders feature to send for invoices. **What problems is Nickel solving and how is that benefiting you?** Getting paid electronically and via a portal. ### 18. Nickel is by far the best ACH service out there and I have used them all. **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** December 21, 2025 **What do you like best about Nickel?** I like the ease of use, ability to add recurring payments and high transaction limits. **What do you dislike about Nickel?** Difficult to delete a cancelled transaction and having to constantly reverify my bank information. **What problems is Nickel solving and how is that benefiting you?** Nickel allowed me to solve the issue I was having with competing services like limit on the number of free transactions (melio) and overcomplication of the payment process (forwardly). ### 19. BIG Nickel fans over here! **Rating:** 5.0/5.0 stars **Reviewed by:** Jennifer F. | CFO, Small-Business (50 or fewer emp.) **Reviewed Date:** September 12, 2025 **What do you like best about Nickel?** Transitioning over to Nickel was the best decision for our growing company & super easy to do! The integration with Quickbooks invoicing system is great for us & access to our funds has been quick & simple! You won’t be disappointed! **What do you dislike about Nickel?** Not applicable for us; happy customers thus far! **What problems is Nickel solving and how is that benefiting you?** In the past we had used services that charged higher fees & made access to funds difficult or slower ### 20. Simple and reliable **Rating:** 4.5/5.0 stars **Reviewed by:** Paolo S. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 04, 2025 **What do you like best about Nickel?** As a small business owner, taking payments from customers with minimal friction is important. I feel like Nickel does a great job of that, giving options for payment, creating unique links, and presenting information to the business side in a clean and elegant way. Everyone's use case is different, but for me it does all that I need, the emails are timely and I have had no issues receiving payment to my account. **What do you dislike about Nickel?** I think it would be nice to save customers, contacts. Additionally, the CSV export doesn't exactly mirror the report in the browser and is missing information that I would like to see (invoice/purpose) **What problems is Nickel solving and how is that benefiting you?** Receiving payments from customers digitally via CC or ACH ### 21. Amazing product **Rating:** 5.0/5.0 stars **Reviewed by:** Chris C. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** September 08, 2025 **What do you like best about Nickel?** Does what it says it does, does not nickel and dime you. Amazing support and great response. **What do you dislike about Nickel?** Honestly I can't think of anything I dislike. I came from melio - whom started charging and started charging my clients for use of what was advertised as free ach, and the way the went to a charged model was not very transparent. **What problems is Nickel solving and how is that benefiting you?** Easy payment option for my clients. ### 22. Amazing **Rating:** 5.0/5.0 stars **Reviewed by:** Ayled T. | Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** August 26, 2025 **What do you like best about Nickel?** So far, my experience with Nickel has been great. It’s fast, simple to use, and makes the whole process easy to manage. I also appreciate how smooth everything runs. **What do you dislike about Nickel?** I haven’t found anything that will be unhelpful or difficult as of yet. **What problems is Nickel solving and how is that benefiting you?** Billing our customers and sending emails are super important. And before it was a hassle. This company makes it so much easier with the reminder or text notifications for payment. ### 23. Great Value and Flexible Payment Options **Rating:** 5.0/5.0 stars **Reviewed by:** Patrick G. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** November 10, 2025 **What do you like best about Nickel?** The price is very good, plus you can pass along the CC fee to customers **What do you dislike about Nickel?** It is hard to reconcile recurring invoices. In QBO it is automatic **What problems is Nickel solving and how is that benefiting you?** QBO is so expensive for ACH transactions. ### 24. Easiest Payment Processor **Rating:** 5.0/5.0 stars **Reviewed by:** Owen S. | Project Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 12, 2025 **What do you like best about Nickel?** Ease of use and low fees/ability to pass fees onto customer **What do you dislike about Nickel?** Little to complain about, its a very streamlined app **What problems is Nickel solving and how is that benefiting you?** Online payments, quick turnaround and saving us trips to pick up checks/collect payments ### 25. Best payment processor out there **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** June 02, 2025 **What do you like best about Nickel?** 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. **What do you dislike about Nickel?** No major issues with Nickel so far - support is pretty responsive and have fixed the small issues I have ran into. **What problems is Nickel solving and how is that benefiting you?** Nickel simply saves me time because I no longer having to manually write checks, and it has a very easy to read transaction history so none of my payment records get lost. Very helpful for a small business owners like myself. ### 26. Excellent ACH Solution for Small Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Meghan S. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** March 17, 2025 **What do you like best about Nickel?** We wanted an easy way to pay our vendors and send invoices without incurring major fees through the mainstream banking system. For a small business, the fees have a very measurable impact when every dollar counts! Nickel is very intuitive, easy to use, and saves us hundreds a month in payment fees. Further, if a customer wants to pay by credit card, we can even pass the credit card fees along to them as part of their payment, which our other payment services do not easily enable (Square and Quickbooks). We've been so happy with the easy of use and implementation, ease of adding/onboarding new vendors, as well as the ability to send invoices to customers. Highly Recommend for small businesses! Also - customer support has been fantastic for us - we've had quick responses to any questions asked. **What do you dislike about Nickel?** It would be great if there was a way to incorporate a feature to allow a customer to add an option gratuity on an invoice payment. While I know it won't apply to everyone, a portion of our invoice activity is for catering / events and such where customers typically add a gratuity. As such, for these invoices we still tend to use our other billing providers. No dislikes otherwise, just an opportunity for more features! **What problems is Nickel solving and how is that benefiting you?** Saving my small business money in fees - our other providers take 3-4% on average, which is brutal on a small business where industry average profit margins are below 10%. ### 27. "Nickel makes payments fast and effortless!" **Rating:** 5.0/5.0 stars **Reviewed by:** Judy M. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** November 04, 2025 **What do you like best about Nickel?** I'm an independent business manager and have been using Nickel for a couple of years. The process is incredibly easy for clients, and they get paid extremely fast. It's the best system we've found, and we're devoted to continuing their services. It's one less thing to worry about, and our clients find it very easy to use! **What do you dislike about Nickel?** no downsides, very easy to use and pays quickly **What problems is Nickel solving and how is that benefiting you?** getting cash faster and ease of use ### 28. Nickel is a Great ACH Payment App for Law Firms **Rating:** 5.0/5.0 stars **Reviewed by:** Lu T N. | Counselor-at-Law, Small-Business (50 or fewer emp.) **Reviewed Date:** March 14, 2025 **What do you like best about Nickel?** Switching from Melio Payments, the thing I like best about Nickel is their GUI in laying out all the input information on one page. For Melio, I had to press next to continue inputting more information on other pages. Nickel also streamlines its sign-in process to make it easy to to use their layout--saving probably about 5 minutes from other app payments that I have used. The GUI layout, to me, is their best feature. Close to that is the no ACH transaction costs. The process is so easy and trustworthy that when configured to allow clients to use the free ACH payment or with their credit card that they would also pay the low 2.9% fee, some actually prefer to use their credit card even though they (not the business) would incur that small additional fee. **What do you dislike about Nickel?** I hope over time the fund-transfer process would be quicker as technology evolves. **What problems is Nickel solving and how is that benefiting you?** As society evolves to focus on digital forms of payment processing, Nickel is an easy app that allows for businesses to offer these types of digital payment processing (ACH and credit cards) to clients. ### 29. Exceptional Payment Processing with Nickel Payments: Fast, Reliable, and Client-Friendly Services **Rating:** 5.0/5.0 stars **Reviewed by:** Fabian J. | Founder, Director, CEO, Accounting, Small-Business (50 or fewer emp.) **Reviewed Date:** March 14, 2025 **What do you like best about Nickel?** Nickel Payments has been instrumental in ensuring our business receives payments promptly and without complications. Their platform's flexibility allows our clients to pay via ACH or credit card, and the option to pass fees onto them ensures we always receive the exact amount invoiced. As a rapidly growing company, Nickel Payments consistently provides friendly and professional support whenever we need assistance. We're excited to continue our partnership in the coming years. Please do not hesitate to contact me if you have any inquiries: fabian@janiszewskibookkeeping.com I would be delighted to provide further clarification on how Nickel has contributed to the growth of my bookkeeping business. **What do you dislike about Nickel?** After a year of working with them, I can confidently assert that they are exceptional. Their services are undoubtedly the best, and I highly recommend them over PayPal or Stripe. **What problems is Nickel solving and how is that benefiting you?** Flexible Payment Options: By supporting various payment methods—including credit cards, ACH transfers, and checks—Nickel ensures that clients can pay using their preferred method, enhancing my customer satisfaction and accelerating payment timelines. Fee Management: Nickel allows businesses like mine to pass transaction fees onto customers, ensuring they receive the full invoiced amount without incurring additional costs. Efficient Vendor Payments: With features like one-click payments and the ability to charge expenses to credit cards, Nickel streamlines vendor payments, helping businesses manage cash flow more effectively. I this is absolutely amazing for me. User-Friendly Platform: Nickel's intuitive interface and robust customer support make payment processing straightforward, reducing administrative burdens and allowing businesses to focus on growth. ### 30. Simple Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Amanda B. | Founder, Virtual Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** March 11, 2025 **What do you like best about Nickel?** Nickel was the software solution I found when Melio went to a paid subscription model & my small business could not afford to make that switch. This allowed my firm to continue to operate on free, 2-day, ACH payments to get our vendors paid. It also allows my clients a free, convenient option to pay their monthly invoices. Win-Win! This software was so easy to set up, add vendors, sync to QuickBooks Online, you name it! It literally is self-explanatory and walks you through just a few simple items & then you are ready to get rolling. Any questions were promptly answered by customer support & they continue to notify us proactively when they notice things on our account that may need checking into, who does that? Nickel is a simple solution that is rapidly expanding their platform to serve the growing number of businesses signing up for their services. They are listening to the needs of accounting firms & small businesses to make sure their product is one that will fit the bill for years to come. This is truly a software you can easily use every day to make your life just a little bit better. Their solution seems to be simple enough for the smallest operation to integrate & currently growing to fill the more robust needs of larger operations. I'm excited to work with them well into the future & continue to recommend them to all our clients! If you are looking for a well-integrated, daily payment processing solution, look no further! **What do you dislike about Nickel?** While Nickel has been a great solution for free payment processing, there are some areas that we are patiently waiting for them to build out. Currently, we are waiting on the release of batch payments & payment scheduling. Our biggest hope is that they maintain a forever free version that provides a decent level of service while allowing them to expand other services that they may charge for. It's been proven that these models can be run on free, ACH payments, so our biggest concern is that this doesn't go the way of Melio, & one day drop us with subscription models that are just too pricey for small businesses. We would also like our clients to be able to have a portal login where they can see invoice receipts, payment history, etc. **What problems is Nickel solving and how is that benefiting you?** This is allowing small businesses the opportunity to utilize online, bill pay software solutions that don't break the bank! Everyone should have access to a free, ACH payment processor like this. ### 31. Nickel is the Payment Processing Solution For Bookkeepers and Accountants! **Rating:** 5.0/5.0 stars **Reviewed by:** Jenn C. | Founder and CEO, Accounting, Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2025 **What do you like best about Nickel?** As an accounting and bookkeeping agency, finding a payment processing platform that actually works for us can be difficult. Other platforms threw unexpected changes our way, disrupting our workflows and charging excess fees. We needed something built with accountants in mind, and Nickel came to save the day! Ray and Claudio, the cofounders, are truly next-level. Not only do they know their stuff, but they genuinely care about their users. Anytime we’ve had a question or a feature request, they’ve been on it; responding within hours and actively working with us to improve the platform. Their dedication to making Nickel the best possible solution for accounting professionals is unmatched. Here’s just a few reasons why Nickel has been a total game-changer for us: 1. They have seamless payment approvals: Keeps everything secure and running smoothly. 2. They utilize top-tier security for logins & transactions: Compliance and fraud protection are huge for us. 3. The platform is easy to use for any business but personally I feel like it was designed for accountants & bookkeepers: No clunky interfaces, just an intuitive platform that makes client adoption easy. 4. And last but not least, they have fair, transparent pricing: No surprise fees, no nonsense, just straightforward. Nickel is hands-down the best payment processing platform we’ve used, and I can’t recommend it enough to fellow accounting professionals. If you are sick of platforms that don’t put you first, don't hesitate to make the switch to Nickel. Sign up here: https://app.getnickel.com/register?r=songbirdaccounting **What do you dislike about Nickel?** Zero complaints here! Anytime we have requested a feature that could help us, the team has implemented it. We couldn't be happier. **What problems is Nickel solving and how is that benefiting you?** Nickel has tackled some of our biggest headaches with accounts payable and receivables especially when it comes to security and smooth payment approvals for our clients. They have made a real difference for our agency and our clients. ### 32. Nickel Makes Getting Paid Simple and Cost-Effective **Rating:** 5.0/5.0 stars **Reviewed by:** Jacob Joel M. | Owner / Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2025 **What do you like best about Nickel?** I've been using Nickel to receive payments from my clients, and it’s been a game-changer for my business. One of the features I appreciate most is the ability to pass credit card fees onto the customer. This allows me to offer flexible payment options without cutting into my bottom line—a huge advantage for service-based businesses. I also love how Nickel gives me the flexibility to either create a custom payment link for each client or send a universal link where they can enter their own details. This makes invoicing and payment collection effortless, whether I need something personalized or a quick, one-size-fits-all solution. Beyond that, the platform is intuitive, deposits are quick, and their transparent pricing ensures there are no surprises. If you're looking for a reliable and user-friendly way to process payments, I highly recommend Nickel. **What do you dislike about Nickel?** When I started using Nickel, the platform was still a bit rudimentary, but it's come a long way with things like QuickBooks integration. Top notch now. **What problems is Nickel solving and how is that benefiting you?** Allowing customers to pay the payment processing fees. ### 33. Best Payment Platform **Rating:** 5.0/5.0 stars **Reviewed by:** Cody Z. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Nickel?** Using Nickel make the payment process painless and seamless for my home service business. No fee ACH allows us to go paperless. Saves us time and money. **What do you dislike about Nickel?** Not much to dislike but I would like to see more services offered. Maybe an all in one platform like Ramp. **What problems is Nickel solving and how is that benefiting you?** Allowing us to go paperless on payments and reducing payment processing fees. ### 34. Free ACH and seamless integration with accounting software/CRM **Rating:** 5.0/5.0 stars **Reviewed by:** Greg O. | CPA, Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2025 **What do you like best about Nickel?** Nickel's interface is simple, practical, and visually appealing to both firm owner and customer. Their pricing is transparent and competitive and the integration with accounting software is flawless. Collecting payments via the platform is easy. Deposits show the name of my customer so matching invoices with accounting software is a breeze. I'm using Nickel as an alternative to my accounting software and CRM both of which charge 1% for ACH whereas Nickel offers free ACH. One of the best features is the seamless integration with QuickBooks. Nickel sends a PDF of the same invoice generated in QuickBooks and you have the ability to customize who pays the credit card processing fees. I'm probably forgetting to list many other useful features. Overall I'm extremely happy I found this software! **What do you dislike about Nickel?** I don't think there are any downsides to using Nickel vs other payment processors. I haven't run into any issues and I would recommend Nickel over any major ACH/credit card processing company. **What problems is Nickel solving and how is that benefiting you?** Nickel is helping me lower my ACH processing costs. ### 35. Quick, easy and compatible with current accounting software **Rating:** 5.0/5.0 stars **Reviewed by:** Rachel C. | Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 10, 2025 **What do you like best about Nickel?** Free ACH Transactions, easy communication and help **What do you dislike about Nickel?** The attachments from QB sometimes get messed up. **What problems is Nickel solving and how is that benefiting you?** Easy to send invoices to customers and easy for customers to make payments ### 36. Great Melio Alternative with Excellent Customer Care and Easy Setup **Rating:** 5.0/5.0 stars **Reviewed by:** Elliott D. | COO and CFO, Small-Business (50 or fewer emp.) **Reviewed Date:** January 21, 2026 **What do you like best about Nickel?** It's a great alternative to Melio, great customer care, easy to set up. **What do you dislike about Nickel?** I wish it would send money a bit faster. **What problems is Nickel solving and how is that benefiting you?** Paying vendors through credit card ### 37. Easy to Use, Low Fees, and Timely Payments with Great Support **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** I like how easy it is to use. There are multiple payment options, along with a low- or no-fee structure. Customer support has been great, and payments are handled in a timely way. **What do you dislike about Nickel?** I haven’t experienced any drawbacks so far, and I don’t anticipate any. **What problems is Nickel solving and how is that benefiting you?** Easy payment options for my customers who want to pay via ACH or credit card, at no cost to my company. ### 38. Great No-Nonsense Payment Processing Platform **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2025 **What do you like best about Nickel?** Nickel is very easy to use and integrates well with Quickbooks. For my needs, this was a great solution. I chose them after looking at a number of different options for payment processing and I'm happy with that choice **What do you dislike about Nickel?** Only downside I've run into thus far is it takes a few days for the payment to process. Not the end of the world and you can plan around it, but that's the only critique I can make at this point **What problems is Nickel solving and how is that benefiting you?** Seamlessly blends my accounting software into a convenient ACH portal for my clients to use ### 39. Use Nickel with all of my cleitns **Rating:** 5.0/5.0 stars **Reviewed by:** Justin B. | Consultant, Small-Business (50 or fewer emp.) **Reviewed Date:** August 24, 2025 **What do you like best about Nickel?** It links seamlessly with QuickBooks, makes payments easy. **What do you dislike about Nickel?** The only thing I dislike is occasionally the delay with ACH transfers but thats rarely a true issue. **What problems is Nickel solving and how is that benefiting you?** It allows clients to receive a link, see the native invoice if they wish, choose how they wish to pay and process payment easily. Can use with or without existing invoices. ### 40. Recommend! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Design | Small-Business (50 or fewer emp.) **Reviewed Date:** October 27, 2025 **What do you like best about Nickel?** It’s free and easy to use for both me and the clients paying me. **What do you dislike about Nickel?** I’ve had no issues so far and have not received any negative feedback from clients like I did for the last payment software I used **What problems is Nickel solving and how is that benefiting you?** I rarely see my clients in person so this is any easy way for them to pay me for monthly services, deposits, etc ### 41. Nickel Online Payment Platform is A+ **Rating:** 5.0/5.0 stars **Reviewed by:** BJC B. | Bookkeeper, Small-Business (50 or fewer emp.) **Reviewed Date:** March 12, 2025 **What do you like best about Nickel?** I am the bookkeeper for a small Chicagoland production company. We were referred to Nickel from another company and took a look. Nickel is EASY to use, the customer service is A+ (rare these days), and - as we still recover from the impacts of COVID, the pricing structure is very friendly. We can do everything we need to do and it's been very easy to integrate it into our Quickbooks Online account. Overall zero complaints and we have already passed company on to others, too. Highly recommend this for any small or ware business. **What do you dislike about Nickel?** So far I haven't run into any major issues. Any problems I've had have been quickly addressed. **What problems is Nickel solving and how is that benefiting you?** Nickel is helping us to save money with fewer checks and fast delivery of payments. They also help us track payments and deliveries of payments. ### 42. Nickel: User-Friendly Service with Fast Support and Seamless ACH Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Greg R. | CEO, Mid-Market (51-1000 emp.) **Reviewed Date:** October 15, 2025 **What do you like best about Nickel?** Nickel is extremely user-friendly, and the team responds quickly to any inquiries. I was able to begin sending ACH payments to our vendors right away. **What do you dislike about Nickel?** There is nothing to dislike about Nickel. The service works as expected, and we have never encountered any issues. **What problems is Nickel solving and how is that benefiting you?** Nickel provides us with a smooth and efficient method for paying our vendors, which is essential as we look to grow our business. ### 43. Fast easy ACH payments for my clients **Rating:** 5.0/5.0 stars **Reviewed by:** Kyle F. | Paralegal, Small-Business (50 or fewer emp.) **Reviewed Date:** May 21, 2025 **What do you like best about Nickel?** Nickel offers 0% ACH payments. I can receive payments from my clients without any associated fees. My client's dont also have to pay any fees to make the ACH payment. If they want to make credit card payments, there is a fee involved. **What do you dislike about Nickel?** I can't think of anything that I dislike about Nickel payments. I hope it gets more brand recognition so my client's wont ask questions about using the software and whether its safe for them to input their banking information. **What problems is Nickel solving and how is that benefiting you?** proving a way for my clients to make ACH payments free of charge to both parties. ### 44. Use this to give the clients of our small architecture firm a way to pay online. Great service. **Rating:** 5.0/5.0 stars **Reviewed by:** Skylar B. | Small-Business (50 or fewer emp.) **Reviewed Date:** January 13, 2026 **What do you like best about Nickel?** Easy to set up, great features without monthly subscription. **What do you dislike about Nickel?** There isn't anything I dislike about it! **What problems is Nickel solving and how is that benefiting you?** Online payments ### 45. Extremely easy and user friendly for us, customers and suppliers **Rating:** 5.0/5.0 stars **Reviewed by:** Malik M. H. | Owner & Creative Director, Small-Business (50 or fewer emp.) **Reviewed Date:** March 19, 2025 **What do you like best about Nickel?** Nickel is incredibly easy to use, and its integration with QuickBooks Online is seamless. Their customer service is outstanding—fast, responsive, and truly listens to user feedback. If a feature needs improvement or there's a new request, they take it seriously, evaluating and incorporating it into their roadmap. It's a game-changer for payment processing and vendor payments! **What do you dislike about Nickel?** Honestly, nothing! Nickel has been a great solution for us. If any improvements are ever needed, their team is always responsive and willing to listen. **What problems is Nickel solving and how is that benefiting you?** Nickel is saving us over $4,500 a year by allowing clients to cover credit card fees or pay for free via ACH. Payments are processed quickly, ensuring better cash flow. Plus, we can seamlessly pay our suppliers, and the integration with QuickBooks Online makes managing finances effortless. ### 46. BEST WAY TO RECEIVE CREDIT CARD PAYMENTS! **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Consumer Services | Small-Business (50 or fewer emp.) **Reviewed Date:** September 08, 2025 **What do you like best about Nickel?** This has by far been the easist way to receive credit card payments while passing the fees onto the payor. The seamless integration with quickbooks also makes the process that much simpler! The platform will automatically send an email to customers with the invoice and link to pay where they can choose how to pay. **What do you dislike about Nickel?** Not a huge deal but it would be nice if the system would send automatic reminders for unpaid invoices. **What problems is Nickel solving and how is that benefiting you?** Saving on credit card processing fees ### 47. Effortless, Fast, and Free ACH Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Mid-Market (51-1000 emp.) **Reviewed Date:** January 03, 2026 **What do you like best about Nickel?** Easy to use, efficient, quick ACH payments and free. **What do you dislike about Nickel?** It send too many emails after payments are initiated. **What problems is Nickel solving and how is that benefiting you?** ACH payments to vendors ### 48. Amazing solution for small businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Elizabeth S. | President of Non-profit, Small-Business (50 or fewer emp.) **Reviewed Date:** September 05, 2025 **What do you like best about Nickel?** As someone who is not tech savvy, integrating a resource like Nickel can be daunting. But this product is SO EASY to use! I’ve incorporated it in my business and immediately referred it to my husband to utilize in his. **What do you dislike about Nickel?** I haven’t found anything I dislike about this product. **What problems is Nickel solving and how is that benefiting you?** Nickel offers my customers the ability to pay via credit card or ACH transfer, and shifts the fees for doing so over to them so that I can seamlessly run my business! ### 49. 10/10 from this small business owner **Rating:** 5.0/5.0 stars **Reviewed by:** Cory C. | President/CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 07, 2025 **What do you like best about Nickel?** Nickel's feature set and pricing are first and foremost what brought me to them. What makes me think they are above and beyond is the exceptional customer service, powered by actual people. I have had direct communication with support anytime -- usually same day! --I've needed it. The interface is simple and powerful. There is no bait and switch like other companies. Nickel picked up the torch where others left off and now it is exceeding their competitors. Could not be more happy, could not recommend more strongly. **What do you dislike about Nickel?** So far, to be completely honest, I have not yet had a downside. **What problems is Nickel solving and how is that benefiting you?** We need solid credit card and ACH options for our clients. Nickel provides those, and at a price that is not exploitive. Fees are transparent, interface is simple. ### 50. Easy Setup, Strong MFA Security, and Responsive Customer Service **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** March 11, 2026 **What do you like best about Nickel?** Easy to setup. MFA security. Responsive customer service. **What do you dislike about Nickel?** Working with them on transaction descriptions. **What problems is Nickel solving and how is that benefiting you?** Securely sending and payments versus postal service. - [View Nickel pricing details and edition comparison](https://www.g2.com/products/nickel/reviews?page=3§ion=pricing&secure%5Bexpires_at%5D=2026-08-04+19%3A39%3A07+-0500&secure%5Bsession_id%5D=1b30c6b1-3a51-4daa-aa23-35496181de2c&secure%5Btoken%5D=5dadf0c142d7fe303ccd19743953813c26eb228c7b56ecf60a6df59d458dd43c&format=llm_user) ## Nickel Integrations - [Accounting Seed](https://www.g2.com/products/accounting-seed/reviews) - [Airtable](https://www.g2.com/products/airtable/reviews) - [Intuit QuickBooks](https://www.g2.com/products/intuit-quickbooks/reviews) - [PandaDoc](https://www.g2.com/products/pandadoc/reviews) - [QuickBooks Desktop Enterprise](https://www.g2.com/products/quickbooks-desktop-enterprise/reviews) - [QuickBooks Desktop Pro](https://www.g2.com/products/quickbooks-desktop-pro/reviews) - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) ## Nickel Features **Invoice Management** - Capture - Repository **Payment Processing** - Encryption - Credit Card Processing - Mobile Payments - Digital Wallet Integration **Platform Basics** - Performance - Portal **Reporting** - Status - History **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Invoice Processing** - Matching - Payments - Workflows **Administration** - Reporting & Analytics - E-commerce Integration - Processing Fees - POS Integration - Omnichannel - Levels 1 & 2 - Level 3 **Platform Administration** - Integrations - Compliance - Reporting **Integrations** - Accounting - ERP - CPM **Analytics** - Due Dates - Benchmarking - KPIs **Payment Options** - Online payment portal **Platform Payment Content** - Document management - Invoicing Tool **Transactions** - Credits - Invoices - Payments **Integration** - Accounting - Payment Integration - ERP **Security** - POS Verification **Workflows** - Approvals - Reconciliation **Platform** - Accounting integration - E-commerce Integration **Agentic AI - Accounts Receivable Automation** - Autonomous Task Execution **AI - Accounts Receivable** - Generative - Responses **Risk** - Analysis - Identification **Recovery** - Recoup - Reporting **Audit** - Filters - Post Audits - Overpayments - Duplicates **Fraud** - Vendor Checks - Data Generation - Monitoring **Agentic AI - AP Automation** - Autonomous Task Execution ## Top Nickel Alternatives - [Melio](https://www.g2.com/products/melio/reviews) - 4.4/5.0 (247 reviews) - [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) - 4.4/5.0 (1,784 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) - 4.8/5.0 (2,474 reviews)