4.9 stars and hundreds of reviews on
Cash flows on your terms.
Nickel is a cashflow platform for America's core businesses. Get paid, pay vendors, and bank with radically transparent pricing.
Join 25,235 businesses moving and growing their money on Nickel
Make your smartest money moves. All in one place.
Accounts Receivable
Get paid without chasing invoices or paying fees.
Bill Pay
Pay vendors with card, ACH, check or wire—globally.
Banking
Earn 2% APY on money you can spend any time.
All the payment methods you need. None of the hidden fees.
$0
ACH bank transfer for you and your customer.
2.9%
Card fee you can pass on to your customer.
$0
Deposit checks in Nickel Banking.
$0
Incoming wires land in Nickel Banking in minutes.
$0
ACH bank transfers from any US bank.
2.9%
Card fee when you pay bills with a card.
$2
Physical checks printed and mailed for you.
$20
Send wires across the US or to 135+ countries.
No hidden or other fees.
See our Transparency PledgeYour tools. Your money. Now on speaking terms.
QuickBooks Online and Desktop
Skip manual entry and close your books faster with native QuickBooks Online and Desktop integrations.
Accounting and ERP Systems
Connect Xero, Sage, NetSuite and dozens of ERPs. Sync invoices, bills, transactions and more in real time.
API for custom tools and workflows
Build custom workflows and connect your tools with Nickel’s API. Use a dedicated sandbox to get up and running in minutes.
Nickel just works. We migrated almost 100% away from paper checks and are on track to save over $200K in fees this year with Nickel.
Andrew Russo
BACA Systems
Leave the busywork to Penny AI. A few tasks you can hand her today.
Pay on your vendor’s portal. Penny opens the site on her own computer, logs in for you and pays the bill.
Make the reminder calls. Penny calls customers with a payment reminder and leaves a voicemail if no one picks up.
Invoice in a sentence. Tell Penny who to bill. She drafts the invoice and sends it on the day you pick.
Use ChatGPT, Claude and your AI agent with Nickel.
Connect your AI assistant to Nickel with our MCP server. Free and available on every plan.
Hand Penny a spreadsheet. She maps its columns, creates every bill and pays them in one go.
Pay a stack of bills. Send Penny the pile. She reads each one, creates the bills and pays them all.
Keep your records in sync. Connect your CRM, Google Sheets or any tool you use. Penny keeps them all up to date.
Your money is on the line. And so are we.
Our US-based support team is here to answer any questions, big or small, and help you get back to business.
Claudio Wilson
Ivan LaBianca
Najeer Ahmed
Hanna Judson
Christian Sheerer
Andres Cojuangco
Colton O’Farrell
Felix Li
Jacob Greenberg
William Scott
Mona Khemici
Miguel Vera
Andy Birch
Ray FuAward-winning and rated 4.9/5 on G2, Capterra, and SourceForge.
“I run over five different businesses and Nickel has made handling AP and AR way easier than it used to be.”
Paul Krieg
Crabtree’s Carpet & Flooring
“Nickel saved the day, and has been incredibly easy to use.”
Cindy Arocha
InVia Collective
“What used to take an hour can now be done in less than 10 minutes.”
Jamie Trujillo
NMAEA
“I really appreciate the responsiveness of the support team — they’re always available to answer my questions.”
Chris Eaker
Yellow Jacket Bookkeeping
“Nickel has saved me hours a week processing payments alone.”
Alex Barnes
WF Myers
“When QuickBooks cut us off and we couldn’t get support, Nickel saved the day.”
Ryan Jacob
GRA Services International
Powering 25,235 ambitious companies that keep America running.
25,235
Businesses on Nickel.
$15M
Fees saved for customers.
$0
Charged for ACH, ever.
3M+
Transactions processed.
Real outcomes from real businesses.
$200K
saved on credit card fees
BACA Systems saves $200K and 1,200 hours a year with Nickel
95%
reduction in checks
American Home Renewal eliminated 95% of paper checks to get paid faster
99%
of customers pay with free ACH
Ashland Roofing cut 30 minutes off every invoice and achieved 100% reconciliation accuracy for insurance claims
15 months
no failed payments
Dash-Swag has gone 15 months on Nickel without a failed payment or needing support once
Zero delays
due to transaction limits
Divine Design Center broke free from payment limits and unlocked credit cards
FAQs
Got more questions? We’re here to answer them and give you a personalized tour of Nickel.
Is there a catch with free ACH?
No, the only limitations on free ACH are per-transaction caps that vary by plan: $25,000 on Core ($0/month) and $1M on Plus ($35/month billed annually) and Pro ($300/month billed annually). There’s no transaction volume limit, no hidden percentage, and no trial period. You can read more about how Nickel makes money.
How fast do I get paid?
ACHs are settled in 3 business days on Core and 2 business days on Plus and Pro. Cards are settled in 2 business days on Core and 1 business day on Plus and Pro. If you use Nickel Banking, card payments land instantly and ACH in 1 business day, and payments you send go out instantly or same day.
Does Nickel work with QuickBooks?
Yes, Nickel syncs both ways with QuickBooks Online and QuickBooks Desktop. Invoices, payments, vendors, and chart of accounts stay matched automatically, and the integration is free.
Do my customers need a Nickel account to pay me?
No, your customers don’t need a Nickel account to pay you. When they receive an invoice, they simply enter their credit card or banking information to pay. You can read more about how our accounts receivable and accounts payable features work.
Is Nickel a bank?
No, Nickel isn’t a bank. Nickel is a cashflow platform that partners with Grasshopper Bank, N.A., Member FDIC to hold and transfer funds. Funds in Nickel Banking are eligible for FDIC pass-through insurance up to $250,000 through Grasshopper Bank, N.A., Member FDIC.
Is Nickel the same as Nickel Payments or "GetNickel"?
Yes. Same company, different domains. We moved from getnickel.com to nickel.com in October 2025. Your payment links are hosted on nickelpayments.com. Old bookmarks to getnickel.com still work. We’re not affiliated with nickel.eu or nickelfi.com. Those are different companies.
