--- title: Nickel Reviews meta_title: 'Nickel Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 197 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: 197 scale: '5' date_modified: '2026-08-06' 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:** 197 ## 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. 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! ### 2. 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. ### 3. 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. ### 4. Simple yet powerful ACH payment solution **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Law Practice | Small-Business (50 or fewer emp.) **Reviewed Date:** October 08, 2025 **What do you like best about Nickel?** - Easy to set up and use - Much more cost effective than other payment processors for ACH - Seamless Quickbooks integration - Responsive customer support **What do you dislike about Nickel?** - Customization is limited - Some UI / features could benefit from improvement **What problems is Nickel solving and how is that benefiting you?** Massive cost savings compared to other ACH payment processing solutions; simplifies the way our clients pay us. ### 5. Allowing customers to pay by E-check / ACH & Credit Card s **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Facilities Services | Small-Business (50 or fewer emp.) **Reviewed Date:** March 19, 2025 **What do you like best about Nickel?** Things that I like about Nickel. Nickel has given me the opportunity to provide my customers the option of paying with E-check / ACH and credit cards. Allowing my small business in looking as a more professional company. Another great thing is that my customers are not forced to enroll in order to pay us or use Nickel payment systems. Nickel Ables our customers to use E-check / ACH is a great thing as there are no lost checks and fees involving canceling of checks when the checks by mail are lost or stolen. **What do you dislike about Nickel?** Nothing yet. As of this time everything has been fine. **What problems is Nickel solving and how is that benefiting you?** They are working on recurring payments and that would be great for my business. ### 6. Simple, Affordable, and Reliable Payment Platform **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Entertainment | Small-Business (50 or fewer emp.) **Reviewed Date:** March 24, 2025 **What do you like best about Nickel?** Nickel has been a great fit for our business. The free ACH transfers have saved us a lot compared to other platforms we’ve used in the past. The interface is clean and easy to navigate, and the QuickBooks integration works without any issues. Everything was straightforward to set up and use. Customer support is one of the highlights. When we’ve had questions, the team has been quick to respond and actually helpful. Highly recommend it if you're looking for a simple and affordable way to manage payments. **What do you dislike about Nickel?** Transfers usually take about two business days after the payment email. That’s still within the expected 1–3 day window, and expecting same-day transfers would be unrealistic. Just something to keep in mind if you're hoping for instant deposits **What problems is Nickel solving and how is that benefiting you?** It gives my clients an easy way to pay me using a link, and I don’t have to pay fees for ACH transfers. It’s simple, fast to set up, and works well for my freelance jobs ### 7. Thank God for Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Christopher C. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 19, 2025 **What do you like best about Nickel?** Nickel has been super easy to use. When I first started, the functionality was limited but they have since increased the number of features including recurring payments. The best thing is it’s free. I switched from using Melio and Forwardly. Melio started charging after 5 payments and Forwardly was too complicated. Nickel is the best solution I have found so far.i am looking forward to finding out about their new 1099 feature. **What do you dislike about Nickel?** The only thing I initially disliked was the lack of functionality but they have since added many features. A lot of the minor issues in the beginning have been working out like automatically sending payment notifications to vendors. **What problems is Nickel solving and how is that benefiting you?** Fee based ACH payments ### 8. Effortless Payment Collection with No Drawbacks **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** October 27, 2025 **What do you like best about Nickel?** Ease of payment collection. Customer service is also amazing. **What do you dislike about Nickel?** Nothing negative to report at this time. **What problems is Nickel solving and how is that benefiting you?** We are able to get paid when the installer is still in the home instead of invoicing and waiting for a check to be mailed in. ### 9. Simple, easy & time saving **Rating:** 4.5/5.0 stars **Reviewed by:** Chloe J. | Small-Business (50 or fewer emp.) **Reviewed Date:** September 08, 2025 **What do you like best about Nickel?** The simplicity of Nickel is a breath of fresh air, not to mention the free ACH transfer option. I love that the fees are clear and easy to understand and not hidden away in some secret billing portal like some other software. It's perfect for easy and simple invoicing. **What do you dislike about Nickel?** I haven't found any issues so far since using the platform. **What problems is Nickel solving and how is that benefiting you?** Simple invoicing without hidden fees ### 10. Perfect for small businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Anxhelo L. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** March 14, 2025 **What do you like best about Nickel?** Nickel has been a great solution for handling payments for our construction company. The platform is easy to use and doesn’t come with the usual monthly fees, which makes a big difference for small teams like ours. Credit card transaction fees are lower than what we were paying before, which adds up quickly. What really stands out is the support — the team is responsive, helpful, and genuinely seems to care about making the product work for us. If you're looking for a straightforward payments platform, this is it. **What do you dislike about Nickel?** Nothing at this time. Everything is working perfectly for my needs. Oh and its free! **What problems is Nickel solving and how is that benefiting you?** Payment processing to multiple sub contractors ### 11. So far I haven't had any issues with payment or the links - it's an easy way for us to get payment **Rating:** 4.5/5.0 stars **Reviewed by:** Dorri D. | Project Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Nickel?** The links that make it easy for customers to prepay on orders **What do you dislike about Nickel?** I haven't seen one yet, but will let you know if I do **What problems is Nickel solving and how is that benefiting you?** it keeps the customers CC information secure and gives them a safe place to make payment. Then it gets the payment to us quickly so we can then move forward with their order in a timely fashion ### 12. Great payment processor for accountants and their clients! **Rating:** 5.0/5.0 stars **Reviewed by:** MICHELLE S. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** March 14, 2025 **What do you like best about Nickel?** I've been using Nickel for about a month and absolutely love it! I learned about Nickel from a Reddit post and decided to give them a shot. I'm a CPA that has searched for a good payment processor for YEARS that checks all the boxes--full integration/syncing with QuickBooks Online, FREE ACH payments, ability to charge clients for credit card fees, not limited to just B2B clients, user friendly on both ends and no need to jump through hoops like creating a login to make a payment... Also, as an accountant user it's so easy to add new accounts for clients and connect their QBO accounts. Love love love it! **What do you dislike about Nickel?** Would love a phone app in the future and MFA via text message. Also would love if automatically sending invoices was a client-level option rather than an account-level option. **What problems is Nickel solving and how is that benefiting you?** In my opinion, Nickel is the #1 payment processor on the market for small businesses that primarily invoice their clients! I've used Quickbooks Payments, Melio, Stripe, Gocardless, and several others. None of them check all of the boxes like Nickel. ### 13. Absolute Gamechanger **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2025 **What do you like best about Nickel?** Our firm was looking for an alternative payment processing platform for our small business and nonprofit clients that would alleviate the transaction fees and subscription-based models with irrelevant features. I stumbled across Nickel after almost giving up on my search entirely, looked into things further, and reached out to them about their Accounting firm partner program. The branding capabilities and custom subdomain links are amazing, allowing us to provide our clients with payment links they can share with their own clients/donors that look clean and legitimate. The integration between QuickBooks Online is absolutely seamless and happens in real time, we very rarely need to so much as hit the refresh button when paying a bill. ACH processing is free for both paying and receiving, and the ability to modify the credit card fees with the payer to alleviate it on both sides is also one of the most interesting features I've seen in a platform like this. Their team is also extremely receptive to feedback and incredibly responsive. We use Nickel every day, multiple times a day, and it's been an absolute lifesaver for us, it is by far the most seamless software in our tech stack and I'm so thankful to have found them! **What do you dislike about Nickel?** I honestly do not have a single negative thing to say about Nickel - It is worth noting that their features may not be as advanced as some of the other options out there and some of the bells and whistles are being developed and added along the way, but they've been so receptive of our feedback and feature requests! We're thrilled to see what's next. **What problems is Nickel solving and how is that benefiting you?** Providing our clients with a quality software to send and receive payments without processing fees that can be detrimental to small businesses and nonprofits. ### 14. Easy QuickBooks Integration and No-Fee Payment Methods **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Events Services | Small-Business (50 or fewer emp.) **Reviewed Date:** January 15, 2026 **What do you like best about Nickel?** Easy integration with Quickbooks and no-fee payment methods. **What do you dislike about Nickel?** I'd like to see email previews, full email history, and shorter payment URLs. **What problems is Nickel solving and how is that benefiting you?** They are providing well-integrated no cost payment options, which decreases our overhead. ### 15. Effortless Payment Link Setup **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Leisure, Travel & Tourism | Small-Business (50 or fewer emp.) **Reviewed Date:** December 08, 2025 **What do you like best about Nickel?** Very easy to set up payment links and new customers **What do you dislike about Nickel?** Payment receipts for payment links could be in a nicer format **What problems is Nickel solving and how is that benefiting you?** Certain clients don't want to share their CC info and Nickel allows us to create custom payment links for them in seconds. They can pay securely without sharing CC info ### 16. Amazing ACH Service **Rating:** 5.0/5.0 stars **Reviewed by:** Andrew E. | Systems Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** August 26, 2025 **What do you like best about Nickel?** I love that there are no fees on processing ACH for my company. **What do you dislike about Nickel?** That I can't auto-process ACH for my clients. **What problems is Nickel solving and how is that benefiting you?** The cost of processing ACH ### 17. Awesome payment platform **Rating:** 5.0/5.0 stars **Reviewed by:** Gary N. | President/Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** May 22, 2025 **What do you like best about Nickel?** After spending hours comparing online payment platforms, I decided on Nickel. They offer free ACH processing, and getting started was very easy. I've already recommended Nickel to a few of my colleagues. **What do you dislike about Nickel?** I have no complaints about my experience with Nickel. **What problems is Nickel solving and how is that benefiting you?** More and more of my clients have been asking about paying me electronically and Nickel is the perfect fit for me. I have not received a single complaint from my clients. ### 18. Great business partner! **Rating:** 5.0/5.0 stars **Reviewed by:** Ken W. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** March 14, 2025 **What do you like best about Nickel?** When Melio changed their model to begin charging for their services, I began a search for a replacement. So glad I ran across Nickel! It is easy to setup and use and payments are processed the same as Melio, but at no cost. Although we are a small company, we use it weekly to pay our vendors without issues. Interactions with customer support was prompt though I only used them during setup. Highly recommended! **What do you dislike about Nickel?** Nickel takes 3 day to transfer at no cost but I can't really say that is a negative since all I have experience with are the same. **What problems is Nickel solving and how is that benefiting you?** Direct deposit to vendors ### 19. Great alternative to QuickBook payments **Rating:** 4.5/5.0 stars **Reviewed by:** Caleb D. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2025 **What do you like best about Nickel?** Nickel saves us money by providing free ACH transfers and integrating with QuickBooks. It makes it easy to send invoices and get paid. Customer service is also very responsive to our needs and was easy to set up. **What do you dislike about Nickel?** It is a new company and still has a few bugs to work out with the UI. But every issue we point out is addressed and fixed very quickly (unlike QB!!!) **What problems is Nickel solving and how is that benefiting you?** ACHs with Quickbooks are becoming more expensive. We wanted an option to collect payment without getting charged a fee. And we wanted an option that could still work with Quickbooks (that we still need for accounting). ### 20. Best payment processor for business **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2025 **What do you like best about Nickel?** I use Nickel to receive payments from clients' customers who wanted the option to use ACH or credit card. It is so simple and easy to use, my clients and their customers love it! But the very best part for me is the customer service. And the new features they are working on to make my life easier! It was also super easy to set up, and as a bookkeeper I like being able to toggle between clients, and also use it for my own firm payments! **What do you dislike about Nickel?** So far Nickel doesn't support auto recurring payments or scheduling payments in the future. But I heard this is rolling out soon. **What problems is Nickel solving and how is that benefiting you?** A free alternative to receive invoice payments that integrates beautifully with QuickBooks. You can also pay bills for free with ACH. The integration is instant, which is very helpful for bookkeepers and accountants. ### 21. Efficient Payment System **Rating:** 5.0/5.0 stars **Reviewed by:** David B. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** March 17, 2025 **What do you like best about Nickel?** I own a small business and have been using Nickel for nearly a year and really can't say enough about it. I have never had any issues with the system and receive payments very quickly. It integrates very well with my QuickBooks Online account and my clients really appreciate the easy to use interface. I highly recommend the service and I am convinced it has tremendously helped me improve the efficiency of my AR account. **What do you dislike about Nickel?** It would be beneficial to have a mobile app that would allow me to send invoices while I am away from my office computer. **What problems is Nickel solving and how is that benefiting you?** Nickel is allowing me to send in invoice more easily and to receive payments more quickly. It is increasing our efficiency and reducing the amount of time it takes our class to pay us. ### 22. Better than any other processor **Rating:** 5.0/5.0 stars **Reviewed by:** Big T. | Co-Owner & Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** March 11, 2025 **What do you like best about Nickel?** I was needing to find a way for my guests at our campground to pay their monthly spot rent to where ACH was free and a credit card would have a processing fee that I wouldn’t have to pay… I tried stripe and a few other others, and by the grace of God stumbled upon nickel. Hands-down, super easy, super straightforward platform and I would highly recommend it. **What do you dislike about Nickel?** Literally nothing. Everything is super simple And easy to navigate **What problems is Nickel solving and how is that benefiting you?** The ability for us to quickly process payments without having to charge our guest for ACH transactions ### 23. Simple and User-Friendly Experience **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Insurance | Small-Business (50 or fewer emp.) **Reviewed Date:** October 17, 2025 **What do you like best about Nickel?** Very simple and easy to use, process can be streamlined **What do you dislike about Nickel?** Canceling and editing bills gets confusing. Some features seem broken **What problems is Nickel solving and how is that benefiting you?** The platform's mass payment processing feature is efficient and straightforward, making it easy to handle multiple transactions at once. I appreciate how it streamlines the process, saving both time and effort when managing bulk payments. ### 24. Nickel is a great service that my customer utilize often. **Rating:** 5.0/5.0 stars **Reviewed by:** chris c. | Owner and operator, Small-Business (50 or fewer emp.) **Reviewed Date:** March 14, 2025 **What do you like best about Nickel?** The lack of fees is the best part of nickel, get your clients ach payments without fees like melio or intuit apply. The interface is simple and easy to use, they have great built in features, again all very easy to use, I have nothing really bad to say about their platform. **What do you dislike about Nickel?** The one and only issue I have, is the ach transfers dont note the invoice numbers as prior platforms do, however based on the fact that there are no fees involved, I find this issue a none issue, simply open up their platform note the date and amount, and you are good to go. **What problems is Nickel solving and how is that benefiting you?** Allows my customers a digital way to pay, saves cost on postage, and time in the mail. ### 25. Great business tool for payments **Rating:** 5.0/5.0 stars **Reviewed by:** Raffaele D. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 21, 2025 **What do you like best about Nickel?** What got me to Nickel is the need to reimburse business expenses, after trying several other well-advertised business software and taking weeks for account verification and approval, I finally got to Nickel. They were responsive and efficient during the onboarding, which got me up and running quickly. I didn't have much expectations from the tool but I was positively surprised to find it extremely useful and quick in processing reimbursement and keeping everything organized, I now use it weekly. I love the transparent pricing, which happens to be a great value. **What do you dislike about Nickel?** The only downside I can think of is the seeming lack of integrations with CRMs and other systems. **What problems is Nickel solving and how is that benefiting you?** Reimbursing business expenses on a business credit card seamlassly ### 26. Incredible for Non-Profits **Rating:** 5.0/5.0 stars **Reviewed by:** Darshan A. | Vice Chair of Finance, Small-Business (50 or fewer emp.) **Reviewed Date:** March 18, 2025 **What do you like best about Nickel?** We use Nickel at our non-profit to help our members pay their membership dues and it has been a very easy way to manage that without having to pay a bunch of fees for ACH payments which is really important for a small non-profit. **What do you dislike about Nickel?** The initial request to set up a Nickel account was a little difficult but since then, the customer support team has been really great about helping. **What problems is Nickel solving and how is that benefiting you?** We're a non-profit using this for our membership dues. ### 27. Easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** March 17, 2025 **What do you like best about Nickel?** So far we are enjoying Nickel for both paying bills and invoicing. We were able to imbed the payment portal on our Xero invoices for one of our clients so their customers could pay their invoices electronically. For another client, we use Nickel for bill pay. This integrates nicely with QBO. Easy to set up and easy to use. Customer support is always quick to respond. **What do you dislike about Nickel?** I wish you could send to the vendor to enter their direct deposit information themselves. However, I believe they just added this feature but I have not had a chance to check it out yet. **What problems is Nickel solving and how is that benefiting you?** We are able to pay our vendors without all the extra fees. ### 28. Nickel does the job and has good prices **Rating:** 4.0/5.0 stars **Reviewed by:** Tyler F. | President Bookkeeper, Small-Business (50 or fewer emp.) **Reviewed Date:** March 20, 2025 **What do you like best about Nickel?** Nickel interfaces with QBO well, their customer service is great and responsive so I like that part **What do you dislike about Nickel?** The interface is very mundane and there is not a way of checking off lots of bills to pay at once, it is hard when sending paper checks for individual invoices at around $7.00 each, costing $2.00 each. If we could combine, that would be geat **What problems is Nickel solving and how is that benefiting you?** Sends out payments to my client's vendors ### 29. Simple, straightforward ACH **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** September 09, 2025 **What do you like best about Nickel?** My needs are simple. I need fee free ACH payments. I'm allergic to bank visits, checks, and fees. This eliminates all of them. **What do you dislike about Nickel?** I haven't found any issues yet. I suppose if they change their business model like other companies have, I'll be disappointed but right now, they're perfect. **What problems is Nickel solving and how is that benefiting you?** Fast, free, easy ACH payments ### 30. Great Product and Service **Rating:** 5.0/5.0 stars **Reviewed by:** Santiago B. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 18, 2025 **What do you like best about Nickel?** It's easy to use, easy to set up and has phenomenal customer support. We collect all of our payments through Nickel, using their service multiple times per month, and have never experienced any issues. **What do you dislike about Nickel?** Nickel's service is great, all we are just waiting for them to launch their integration API for Quickbooks. We know this is in their roadmap, so it's just a matter of time for this to be released in the near term. **What problems is Nickel solving and how is that benefiting you?** Using Nickel solves the head ache of payment processing and the way they present their information makes it very simple to reconcile our accounts receivable. ### 31. Nickel is the best payment processor I have used to date. **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** May 27, 2025 **What do you like best about Nickel?** I love nickel. I had looked at multiple more mainstream competitors, but with the large cost per transaction, none looked totally appealing. Nickel offers 90% of the features with 0% of the high fees. I have since started using them for all of my invoices across multiple companies. **What do you dislike about Nickel?** The only thing I currently wish Nickel had would be features for more types of businesses, such as selling tickets for classes or digital goods. There isn't really a clean way to do that right now, but it's something that could easily be added. **What problems is Nickel solving and how is that benefiting you?** Lower cost ACH and Card transactions ### 32. Nickel is better for processing payments yEfficient, Reliable, and Client-Friendly Payments **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** September 12, 2025 **What do you like best about Nickel?** Its very user friendly, even those not tech savvy can use it effortlessly!! **What do you dislike about Nickel?** Umm my main complaint and I wouldn't even put this if it didn't make me is maybe too many emails. **What problems is Nickel solving and how is that benefiting you?** Not processing through QB ### 33. Easy and reliable **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Media Production | Small-Business (50 or fewer emp.) **Reviewed Date:** March 26, 2025 **What do you like best about Nickel?** Nickel makes paying vendors and subcontractors super easy. Until I discovered the service I was overwhelmed by the options and uncertain about how reliable any of them were and what and how fees were involved. Everyone I pay with the services seems impressed by how it works. **What do you dislike about Nickel?** Maybe that's its main intended use is for building contractors, but the use cases are applicable to so much more than that. And that doesn't get in the way. anyway **What problems is Nickel solving and how is that benefiting you?** Paying subcontractors in a professional manner. ### 34. Simply the best way to send ACH for free **Rating:** 5.0/5.0 stars **Reviewed by:** Joshua G. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** March 14, 2025 **What do you like best about Nickel?** I love that it's simple to use, reliable, syncs with QBO, and is free! **What do you dislike about Nickel?** Honestly I can't think of much that I *dislike* about Nickel. Maybe it'd be cool if it was somehow embedded in QBO? But honestly, it's just a fantastic product. **What problems is Nickel solving and how is that benefiting you?** Sending ACH payments to vendors. ### 35. Nickel checks a lot of boxes. **Rating:** 4.5/5.0 stars **Reviewed by:** Vladimir Z. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** March 29, 2025 **What do you like best about Nickel?** Ease of use. Price. Customer service. Good alternative to other companies. **What do you dislike about Nickel?** Doesn't have all of the functionality of other services yet but I believe they are in the process. **What problems is Nickel solving and how is that benefiting you?** Cost of other services like Melio. Easier to use than Forwardly. ### 36. Best I've used so far **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** March 17, 2025 **What do you like best about Nickel?** Nickel makes things simple. I love that I have a portal I can send my customers to and that I can auto-fill the fields. The deposits are exact, and I don't have to spend hours reconciling my books. The approval process was fast and easy, and support has answered all my questions quickly. **What do you dislike about Nickel?** I wish deposits were faster on the free plan, but you can pay for additional features including faster deposits. **What problems is Nickel solving and how is that benefiting you?** ACH payments and passing through processing fees to the customer. ### 37. Easy to use payment software **Rating:** 5.0/5.0 stars **Reviewed by:** Kevin K. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2025 **What do you like best about Nickel?** Customer interface is simple and straightforward. Payments arrive in our account in a few days. **What do you dislike about Nickel?** Nickel is meting all of our payment needs. There are no dislikes at this time. **What problems is Nickel solving and how is that benefiting you?** Ease of use for customers. Eliminates the credit card processing fee as a cost to our business. ### 38. Easy to use ACH solution **Rating:** 5.0/5.0 stars **Reviewed by:** Gore S. | COO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Nickel?** Easy to understand interface, simple process, not too many unnecessary steps **What do you dislike about Nickel?** I think there are some functionalities like scheduling future dates and other features they’re still working on. **What problems is Nickel solving and how is that benefiting you?** Removes the need to cut checks or schedule expensive wires. ### 39. Affordable Payment App with Very Good Support **Rating:** 5.0/5.0 stars **Reviewed by:** Bernard R. | Partner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 02, 2025 **What do you like best about Nickel?** Nickel is easy to use and was easy to integrate. **What do you dislike about Nickel?** There is a slight delay with receiving payment. **What problems is Nickel solving and how is that benefiting you?** Nickel is providing a payments solution that is not overly expensive to use. ### 40. Excellent platform! **Rating:** 5.0/5.0 stars **Reviewed by:** Zachariah D. | Small-Business (50 or fewer emp.) **Reviewed Date:** March 11, 2025 **What do you like best about Nickel?** I use Nickel for sending and receiving payments as a vendor and when subcontracting. The free ACH is a rarity these days, and the interface looks excellent! **What do you dislike about Nickel?** It's not totally intuitive when sending invoices to be able to download the PDF invoice or see it itemized. A "View Invoice" button rather than an icon might make this experience easier. **What problems is Nickel solving and how is that benefiting you?** Nickel offers great invoice management and fields payment requests easily and quickly. ### 41. Great tool for sending and receiving free ACH payments **Rating:** 5.0/5.0 stars **Reviewed by:** Ryan C. | Founder, Internet, Small-Business (50 or fewer emp.) **Reviewed Date:** March 11, 2025 **What do you like best about Nickel?** Unlimited Free ACH's is awesome. We've moved from Melio to Nickel and so far the service has been great and met our needs completely. **What do you dislike about Nickel?** So far nothing. I'm able to pass along credit card transaction fees to the customer if they prefer paying with credit card over ACH. **What problems is Nickel solving and how is that benefiting you?** Makes sending payments via ACH and receiving payments via ACH super easy and best of all with $0 fees. ### 42. Nickel is an amazing way to pay and get paid!!! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Leisure, Travel & Tourism | Small-Business (50 or fewer emp.) **Reviewed Date:** March 17, 2025 **What do you like best about Nickel?** Nickel is one of the most user friendly payment options I've used. It makes my job as a travel agency owner so easy! **What do you dislike about Nickel?** I don't know that there is a downside or a negative about Nickel. I haven't found one yet. **What problems is Nickel solving and how is that benefiting you?** Nickel allows me to accept and send payments with my individual contractors and saves me so much time! ### 43. Great Alternative to Melio **Rating:** 5.0/5.0 stars **Reviewed by:** Jenna L. | Small-Business (50 or fewer emp.) **Reviewed Date:** March 20, 2025 **What do you like best about Nickel?** Nickel is easy to set up and use, customer service has been good the one time I needed it, and best of all, its free! **What do you dislike about Nickel?** I have not encountered any downsides to Nickel so far. **What problems is Nickel solving and how is that benefiting you?** I need to pay subcontractors on a monthly basis and Nickel gives me a simple and free way to do that. ### 44. Incredible Service **Rating:** 5.0/5.0 stars **Reviewed by:** malhaar a. | Treasurer, Small-Business (50 or fewer emp.) **Reviewed Date:** March 11, 2025 **What do you like best about Nickel?** Does exactly what I need. Zero fee ACH massively accelerates my organization **What do you dislike about Nickel?** More features! Better syncing with quickbooks **What problems is Nickel solving and how is that benefiting you?** Accepting invoices from my customers ### 45. Love Nickle **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** March 11, 2025 **What do you like best about Nickel?** Easy to use for vendor and customer. A breeze to implement and integrate with great support. Can send and receive ACH in one platform makes it very useful. **What do you dislike about Nickel?** ACH Payments take longer to receive. Prefer same or next day like credit card. **What problems is Nickel solving and how is that benefiting you?** Sending and Receiving Payments ### 46. Impeccable Product, Run by Better People **Rating:** 5.0/5.0 stars **Reviewed by:** Kurt S. | Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** February 27, 2025 **What do you like best about Nickel?** Core product, ease of use, responsiveness, care for client experience **What do you dislike about Nickel?** Nothing yet, we have said "it would be nice to have..." and they are transparent and open about their product pipeline. **What problems is Nickel solving and how is that benefiting you?** A payment processing platform that is responsive and interested in building a product to support SMBs. ### 47. Great ACH Product for Small business **Rating:** 5.0/5.0 stars **Reviewed by:** Magued B. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** March 18, 2025 **What do you like best about Nickel?** Simplicity, ease of use, reliability, cost. **What do you dislike about Nickel?** Nothing. This works really well for our needs **What problems is Nickel solving and how is that benefiting you?** ACH Payments - [View Nickel pricing details and edition comparison](https://www.g2.com/products/nickel/reviews?page=4§ion=pricing&secure%5Bexpires_at%5D=2026-08-06+16%3A59%3A04+-0500&secure%5Bsession_id%5D=85a85986-e695-4bd6-98e9-e65fd388b666&secure%5Btoken%5D=c8da143737d7ab027b1d0f763a781358c66d4a6d2d9f7422e369b6ef3e3ca68a&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 - Debit/Credit Card Processing - Online Payments - Partial Payments - In-Person Payments **Platform Basics** - Performance - Portal **Reporting** - Status - History - Sales Tax Management - Activity Dashboard - Customer Statements **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Invoice Processing** - Matching - Payments - Workflows - Recurring Payments **Administration** - Reporting & Analytics - E-commerce Integration - Processing Fees - POS Integration - Omnichannel - Levels 1 & 2 - Level 3 - Payment Gateway Integration - ACH Payment Processing - Cryptocurrency Processing **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 - ERP integration **Security** - POS Verification **Workflows** - Approvals - Reconciliation **Platform** - Accounting integration - E-commerce Integration **Agentic AI - Accounts Receivable Automation** - Autonomous Task Execution **Additional Functionality** - Data Synchronization - Transaction Monitoring - Purchasing & Receiving - Contactless NFC - Offline Access - Electronic Signature - PCI Compliance - Credit Card Management - Fraud Detection - SSL Security - Mobile Access - Generative AI - Returns Management - Discount Management - Reminders - Barcode/Ticket Scanning - Reporting & Statistics - Recurring/Subscription Billing - Compliance Management - Transaction History - Mobile Card Reader - Sales Tax Management - Customer Database - Receipt Management - Customizable Branding - Invoice Management - Cash Management - Remote Access/Control - Multi-Location - Sales Trend Analysis - CRM - Gift Card Management - Sales Reports - AI Copilot - Multiple Payment Options - Loyalty Program - Status Tracking - Alerts/Notifications - Activity Dashboard - Expense Tracking - Data Security - Payment Links - API - Payment Fraud Prevention - Payment Reconciliation - Data Import/Export - Search/Filter - Real-Time Data - Billing & Invoicing **AI - Accounts Receivable** - Generative - Responses **Additional Functionality** - Reporting & Statistics - Customizable Reports - Generative AI - Expense Tracking - Data Import/Export - Real-Time Data - User Management - ACH Payment Processing - Invoice Processing - Billing & Invoicing - Alerts/Notifications - AI Copilot - Contact Database - Aging Tracking - Purchase Order Management - Audit Trail - Discount Management - General Ledger - Document Management - Receivables Ledger - Recurring/Subscription Billing - Multi-Currency - Workflow Management - Credit Card Processing - Task Management - Customizable Templates - Forecasting - Cash Flow Management - Self Service Portal - Reminders - Check Processing - Receipt Management - Overpayment Processing - Financial Management - Third-Party Integrations - Payment Collection - Approval Process Control - API - Profit/Loss Statement **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 **Additional Functionality** - Data Import/Export - Invoice Management - Online Banking - 1099 Preparation - Generative AI - Receipt Management - AI Copilot - Fraud Detection - Duplicate Payment Alert - Document Management - Compliance Management - Inventory Management - Check Writing - Mobile Access - Audit Trail - Reporting/Analytics - Multi-Currency - Status Tracking - Activity Dashboard - Cash Management - Alerts/Notifications - Billing & Invoicing - Vendor Management - Anomaly Detection - API - ACH Payment Processing - Invoice Processing - Aging Tracking - Supplier Management - General Ledger - Expense Tracking - Bank Reconciliation - Workflow Management - Customizable Reports - Approval Process Control - Electronic Funds Transfer - Purchase Order Reconciliation - Financial Management - Workflow Automation ## 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 (1,783 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) - 4.8/5.0 (2,478 reviews)