# Nickel > The cashflow platform for America's core businesses: free ACH, AR/AP automation, 2% APY banking, and Penny, an AI finance agent. ## Highlights - [Penny — AI accountant for bills & invoices](https://www.nickel.com/penny): Penny is Nickel's AI accountant. CC her on any email — she captures bills, chases invoices, verifies vendors, and pays. Email-based AI bookkeeper, no software to learn. - [Accept free ACH payments: unlimited, no fees](https://www.nickel.com/free-ach): Accept and send unlimited free ACH payments with Nickel. No per-transaction fee, no percentage, no monthly cap. Free ACH payment processing on every plan. ## Accounts Receivable - [Accounts receivable software — get paid faster](https://www.nickel.com/accounts-receivable): Nickel handles your invoicing, payment links, autopay, recurring billing, and reconciliation. Accounts receivable software with free ACH built in. - [Online invoicing software — get paid by card, ACH, wire](https://www.nickel.com/accounts-receivable/invoice-payments): Send branded invoices, take card + ACH + wire + check payments, and auto-reconcile to QuickBooks. Nickel handles invoicing up to $1M per transaction. - [Hosted payment page — your own permanent payment link](https://www.nickel.com/accounts-receivable/hosted-payment-page): A permanent payment link on your own domain. Buyers pay by card, ACH, wire, or check without signing up. Real-time reconciliation to QuickBooks. - [Recurring invoice software for service businesses](https://www.nickel.com/accounts-receivable/recurring-invoice): Nickel creates an invoice every cycle, sends it, and collects — or charges the card on file. Built for service businesses, not software subscriptions. - [Autopay for invoices — card on file + ACH authorization](https://www.nickel.com/accounts-receivable/auto-pay): Save a customer's card or bank on file with permission limits, then auto-charge when their invoice is due. Nickel handles autopay with two-way QuickBooks sync. ## Accounts Payable - [AP automation software for small business](https://www.nickel.com/accounts-payable): Nickel captures bills, routes approvals, and pays vendors by ACH, card, wire, or check. AP automation for small business with two-way QuickBooks sync. - [Bill pay software — capture, approve, pay every vendor](https://www.nickel.com/accounts-payable/bill-pay): Capture bills by email, route approvals, and pay vendors by ACH (free), card, wire, or check. Nickel Bill Pay syncs every payment to QuickBooks automatically. - [Vendor management software — onboard W-9s and banking](https://www.nickel.com/accounts-payable/vendor-onboarding): Add a vendor in minutes. Nickel collects W-9s, banking, and tax details, then verifies the business — vendors are payment-ready before the first invoice. ## Banking - [Business checking account with 2% APY — Nickel Balance](https://www.nickel.com/banking/balance): Earn 2% APY on operating cash with Nickel Balance. FDIC pass-through, instant payments, debit cards, and no minimums on your business checking. - [Business line of credit — flexible cash without draw requests](https://www.nickel.com/banking/capital): Up to $500K business line of credit, backed by your Nickel transaction history. No draw requests, no credit check — pay bills or spend on a debit card. ## Integrations - [Integrations — Nickel + QuickBooks, Xero, and more](https://www.nickel.com/integrations): Connect Nickel to your accounting and operations tools. Two-way QuickBooks Online + Desktop sync, plus Sage, NetSuite, SAP, HubSpot, and more. - [QuickBooks Online payments — free ACH + 2-way sync](https://www.nickel.com/integrations/quickbooks-online): Send and receive free ACH directly in QuickBooks Online. Two-way Nickel + QBO sync for invoices, bills, payments, and reconciliation. Free integration. - [QuickBooks Desktop payments — free ACH + auto-sync](https://www.nickel.com/integrations/quickbooks-desktop): Accept and send free ACH inside QuickBooks Desktop. Nickel auto-syncs bills, payments, and journal entries — no manual exports, no IIF files. - [Payments API — ACH, card, wire, invoicing, bill pay](https://www.nickel.com/api): Nickel's payments API gives developers ACH, card, and wire endpoints plus webhooks. Build invoicing, payouts, or reconciliation into your stack in days. ## Pricing & Trust - [Pricing — Nickel Core, Plus, and Pro](https://www.nickel.com/pricing): Pay only for what you use. No per-seat fees, no monthly minimum. Free ACH on every plan. Compare Nickel Core (free), Plus, and Pro side by side. - [PCI-compliant payment platform — SOC 2 Type II](https://www.nickel.com/security): PCI-compliant B2B payment platform. SOC 2 Type II audited, ISO 27001 certified, FDIC pass-through via Grasshopper Bank, N.A., encrypted in transit and at rest. - [How Nickel makes money — transparent fee breakdown](https://www.nickel.com/how-nickel-makes-money): Tolls, spreads, and interest — the three ways money's made on your money. Here's our full list: what we charge, what it costs us, and what we keep. ## Compare - [Nickel vs. Melio: fees, ACH limits, and features compared](https://www.nickel.com/versus/melio-alternative): Nickel vs. Melio, side by side. Melio's free plan caps ACH at 5 a month and charges for sync and extra users. Nickel includes unlimited free ACH and 3 users at $0. Verified August 28, 2026. - [Nickel vs. Bill.com: per-user fees, ACH, and features](https://www.nickel.com/versus/bill-alternative): Nickel vs. Bill.com, side by side. Bill.com charges $49–$89 per user a month plus $0.59 per ACH. Nickel includes 3 users and unlimited free ACH at $0, with QuickBooks sync. Verified August 28, 2026. - [Nickel vs. Square: ACH fees, limits, and features compared](https://www.nickel.com/versus/square-alternative): Nickel vs. Square. Square charges 1% on invoice ACH and caps ACH at $50K per payment. Nickel: unlimited free ACH, up to $1M per transfer on Plus, and 3 users at $0. Verified August 28, 2026. - [Nickel vs. QuickBooks Payments: ACH fees and rates compared](https://www.nickel.com/versus/quickbooks-payments-alternative): Nickel vs. QuickBooks Payments. QuickBooks Payments takes 1% of each ACH invoice payment, uncapped on newer accounts. Nickel ACH is $0 on every plan and syncs to QuickBooks. Verified August 28, 2026. - [Nickel vs. Forwardly: ACH fees, speed, and features compared](https://www.nickel.com/versus/forwardly-alternative): Nickel vs. Forwardly, side by side. Forwardly includes 10 standard ACH a month, then $0.50, and charges 1% for anything faster. Nickel: unlimited free ACH and 3 users at $0. Verified August 28, 2026. ## Optional - [About Nickel — Payments, Cashflow and AI Accounting](https://www.nickel.com/about): Nickel is built for America's core businesses. Payments, cashflow, and AI accounting on one platform, by operators tired of payment chaos. - [Careers at Nickel — fintech jobs in New York](https://www.nickel.com/careers): Join Nickel and help build the finance platform for America's core businesses. Engineering, design, marketing, ops, compliance — open roles in Brooklyn, NY. - [Blog — payments, invoicing, bills, cashflow for small business](https://www.nickel.com/blog): Nickel's blog: free ACH, invoicing, bill pay, vendor payments, and cashflow strategy for small businesses. Written for the owner who runs the books. - [Accountant software — Nickel partner program for firms](https://www.nickel.com/partners/accounting-firms): Accountant software for client AR, AP, and cashflow. Run every accounting firm client from one login, get partner support, and earn revenue share on referrals. - [Savings calculator — see what Nickel saves your business](https://www.nickel.com/savings-calculator): Tell us about your business and see how much time and money Nickel can save you. - [Free ACH Authorization Form Template (PDF, Word & Online)](https://www.nickel.com/ach-authorization-form): Download a free ACH authorization form template (printable PDF or Word) or fill one out online. One-time and recurring, NACHA-rule aligned, for customer and vendor debits. - [Contact Nickel — talk to sales, support, or partnerships](https://www.nickel.com/contact): Reach Nickel sales for a demo, support for your live account, or partnerships for integrations and accountant referrals. Or call us — real humans pick up.