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Money Matters

Keep up with the latest on payment best practices, business finance software, credit, and more with Nickel's blog.

Collections

How to Get Clients to Pay Faster: 8 Proven Strategies That Actually Work

Cut collection time in half with these 8 proven strategies for getting clients to pay faster. Includes real tactics for contractors, distributors & accountants.

Latest articles and guides

Business Finance

How to Market a Solar Panel Business: The Revenue-Driving Playbook

Solar marketing strategies that actually drive revenue. From digital tactics to referral systems, learn what works in 2026's solar market.
Software

10 Alternatives to Melio (with Free ACH)

Best Melio alternatives for small businesses: Compare free ACH processors, subscription costs, and QuickBooks integration. Save thousands on payment fees.
Software

Ramp vs. Bill.com: A Side-by-Side Comparison

Compare Ramp and Bill.com for business payments: Pricing tiers, transaction fees, approval workflows, and free alternatives with unlimited ACH transfers.
Payments

Free Credit Card Processing for Small Business (2026 Guide)

Free credit card processing explained: Surcharging laws, fee pass-through strategies, and how small businesses can accept cards at zero cost.
Payments

How to Transfer a Million Dollars (And Avoid Fees)

Learn the cheapest, safest ways to transfer $1M+ domestically and internationally. Compare costs, timing, and security options.
Payments

Accounts Payable vs. Accounts Receivable: The Complete Guide

Accounts payable tracks money you owe; accounts receivable tracks money owed to you. Learn how AP and AR impact cash flow and working capital.
Payments

How Long Does a Wire Transfer Take: A Guide to U.S. and International Transfers

Domestic wire transfers process same-day before cutoff; international wires take 1-5 days. Learn bank cutoff times, fees, and faster alternatives.
Payments

Bill.com vs. Melio: A Full Comparison for Small Businesses

Compare Bill.com vs Melio pricing, features, and integrations. See which platform fits small businesses and why Nickel offers better value for 2025.
Nickel News

November 2025 What's New at Nickel

Nickel's November 2025 updates: sync with QuickBooks Desktop, automate workflows with API integrations, and send payments internationally.
Payments

Accounts Receivable Job Functions: Complete Guide to Duties, Skills & Salary

Learn the 7 core accounts receivable duties, required skills, and salary benchmarks for AR roles. Complete guide for hiring or pursuing AR careers.
Payments

eCheck vs. ACH: What’s Best for Your Business? 

Compare eCheck and ACH payments: Speed, cost, security differences. Learn which electronic payment method is best for your business and how to reduce fees.
Payments

QuickBooks Payment Processing Fees Guide (plus Free Alternatives)

QuickBooks charges 1% uncapped ACH fees and 2.99% credit card fees. Learn how to avoid QuickBooks payment processing fees with free alternatives in 2025.
Payments

ACH Credit vs Debit: The Complete Guide

ACH credit vs debit explained: Push payments vs pull transactions, authorization requirements, processing times, and how to reduce fees on both payment types.
Business Finance

Roofing Business Cash Flow Planning: 9 Strategies to Survive Slow Seasons

Improve roofing cash flow with 9 strategies for surviving slow seasons. Cut processing fees, require deposits, and build reserves to protect your margins.
Business Finance

5 Top Alternatives to PayPal for Business

Discover top alternatives to PayPal for small business. Compare fees, features, and find the best payment processor for B2B transactions.
Nickel News

getnickel.com is now nickel.com

A simpler domain that matches the straightforward platform we've built for your business.
Nickel News

Nickel Recognized as Leader in G2 Fall 2025 Awards

Nickel has been recognized as a leader in G2's Fall 2025 awards, winning 13 badges across multiple categories from real user reviews.
Nickel News

October 2025 What's New at Nickel

Nickel's October 2025 updates: automatically save and charge payment methods, set up recurring invoices, and protect transactions with 3D Secure authentication.
Payments

What Is RDFI in Banking? Your Complete Guide to RDFIs

Learn what RDFI means in banking, how Receiving Depository Financial Institutions process ACH payments, and manage return codes effectively.
Payments

QuickBooks Surcharging: How to Surcharge Credit Card Fees (2025 Guide)

Add credit card surcharges in QuickBooks the right way. Compare manual vs automated options, ensure compliance, and save on payment fees.
Payments

Best Payment Processor for Large Transactions: Why Size Matters in B2B Payments

Find the best payment processor for large B2B transactions. Compare fees, limits, and features to save thousands on $50K+ payments.
Collections

How to Get Clients to Pay Faster: 8 Proven Strategies That Actually Work

Cut collection time in half with these 8 proven strategies for getting clients to pay faster. Includes real tactics for contractors, distributors & accountants.
Business Finance

How to Market a Construction Supply Business: Blueprint for Growth

Marketing strategies for construction supply businesses. Build relationships, manage cash flow, and grow revenue in the physical economy.
Business Finance

Cash Flow vs Profit: What SMB Owners Need to Know

Learn the critical difference between cash flow vs profit and why cash flow often matters more for B2B businesses with large invoices.
Software

Xero vs. Sage 50: Complete Accounting Software Comparison (Plus: Why Both Fall Short on Payments)

Xero vs Sage: Compare ACH fees, payment tools, and accounting features and integrations to see which platform actually saves your business money.
Payments

Can ACH Payments be Reversed? Complete Business Guide

Learn when ACH payments can be reversed, timeframes involved, and how to protect your business from unexpected payment reversals.
Business Finance

Best Way to Accept Large Payments: A Smart Business Owner's Guide to Six-Figure Transactions

Learn the most cost-effective methods to accept large B2B payments. Compare ACH, wire transfers, and payment apps for six-figure transactions.
Software

4 Best QuickBooks Payments Alternatives for Small Businesses

Stop paying 1% ACH fees. Compare top QuickBooks Payments alternatives and discover how small businesses save thousands with free ACH processing.
Payments

Best Payment Provider for Small Business: Stop Overpaying for Basic Transactions

Find the best payment service provider for small business. Compare ACH fees, QuickBooks integration, and features that matter for B2B payments.
Business Finance

What is Cashflow Management? The Make-or-Break Factor for 82% of Small Businesses

Learn cash flow management essentials for small businesses. Discover why 82% of businesses fail due to poor cash flow and how to avoid common mistakes.
Payments

RTGS Transfer vs ACH: Which Payment Method Saves Your Business More Money?

Compare RTGS transfers vs ACH payments for business. Learn when to use each method, cost differences, and how to optimize your payment strategy.
Business Finance

How to Build a Cash Flow Statement: The Small Business Owner's Blueprint for Financial Clarity

Learn to build cash flow statements that reveal payment timing issues and improve B2B cash management. Includes templates and forecasting tips.
Business Finance

How to Pay Vendors with Credit Card: Smart Cash Flow Guide

Learn how to pay vendors with credit cards for better cash flow, rewards, and simplified bookkeeping. Complete guide with strategies and solutions.
Business Finance

How to Avoid Stripe Fees: Smart Alternatives for Cost-Conscious Businesses

Stop paying expensive Stripe fees. Learn practical strategies to reduce payment processing costs for B2B businesses and keep more profit.
Business Finance

How to Stop ACH Payments: Your Complete Business Guide to Halting Bank Transfers

Learn exactly how to stop ACH payments from your checking account, including pending transfers, recurring payments, and emergency stops.
Software

FreshBooks vs. GoCardless vs. Nickel: Which Payment Solution Delivers Real Value for Your Business?

Compare FreshBooks, GoCardless, and Nickel for B2B payments. See which platform offers free ACH transfers, better QuickBooks integration, and lower fees for high-value invoices.
Business Finance

Are ACH Transfers Free? The Hidden Costs Most Businesses Don't See Coming

Learn which financial providers offer truly free ACH transfers for businesses and how to avoid the hidden fees costing your company thousands each year.
Payments

How to Pay Vendors via ACH: The Complete Guide for SMBs

Learn the step-by-step process for paying vendors via ACH, cut payment processing costs, and streamline your accounts payable workflow with this comprehensive guide.
Payments

Free ACH Payment Processing for Small Businesses in 2025 (Comparison)

This comprehensive overview will compare and show you which payment providers offer free ACH payment processing for small businesses in 2025.
Payments

Why Does ACH Take So Long? 5 Key Reasons For Delays Explained

Understand why ACH transfers take as long as they do and how to speed up your transfers. Learn about processing timelines, security measures, and how Nickel makes ACH transfers both fast and free.
Payments

ACH Sent On Friday: When Will Your Money Arrive?

Discover exactly when an ACH transfer sent on Friday will arrive, key cutoff times to know, and how to avoid weekend delays. Expert timeline and business tips included.
Payments

Do ACH Transfers Go Through On Saturdays? Weekend Processing Explained

ACH transfers don't process on Saturdays or Sundays. Learn exactly when weekend ACH payments go through, what happens to transfers initiated on Saturday, and instant alternatives.
Business Finance

How to Avoid QuickBooks ACH Fees

Stop paying 1% fees on QuickBooks ACH transfers. Discover three proven methods to eliminate these costly fees and save thousands annually on your business payments.
Payments

ACH Payments vs Wire Transfer: Which Payment Method Is Right for You?

Compare ACH vs wire transfers: Learn which payment method saves your business money, when speed matters, and how to make the right choice for domestic and international transfers. Includes decision guide and cost comparison.
Payments

ACH vs Credit Card Payments: Which Is Best for Your Small Business?

ACH vs credit cards: Discover which payment method offers better cost savings, security, and flexibility for your business. Compare processing fees, chargeback risks, and how to leverage both methods for optimal cash flow management.
Payments

How Long Do ACH Transfers Take? Complete ACH Processing Time Guide

A comprehensive guide to ACH processing times for businesses, explaining exactly how long transfers take, what factors affect timing, and practical strategies to ensure your payments arrive exactly when needed.

11 Hidden ACH Fees Revealed + How to Save Thousands with Free ACH

Discover the hidden ACH fees you may be paying for transfers and learn actionable strategies to reduce or eliminate these fees entirely with free ACH.
Business Finance

Net Terms & Trade Credit: The Ultimate Guide for Business Owners

Understand net terms and trade credit like never before. Learn how to eliminate late payments, reduce bad debt, and streamline your B2B credit process for faster, more reliable cash flow.
Payments

How remittance instructions can be used against you

Adding bank details to your invoices might seem like standard practice, but it can expose your account to fraud. Learn how to protect yourself and secure your accounts
Mechanic's Liens

What is a Notices of Intent to Lien and which states require one?

Sending a Notice of Intent to Lien can save you time, money, and stress on unpaid projects. Find out how this powerful tool can get you paid faster!
Mechanic's Liens

When does the clock start for mechanic's liens?

Learn how to nail down your trigger date for mechanics liens and avoid missing out on getting paid. Timing is everything—don't lose your lien rights.
Collections

Unlock faster payments on federal jobs with the Miller Act

Struggling to get paid on a federal project? Learn how the Miller Act protects you with payment bonds and keeps your cash flow intact. Here's everything you need to know.
Collections

How to resolve disputes and stay out of court

Disputes happen in construction, but court battles don’t have to. Learn how smart Alternative Dispute Resolution (ADR) clauses can save your building supply business time and money
Mechanic's Liens

You Filed a Mechanics Lien. Now What?

Filing a mechanics lien is just the start. Discover what happens next, how it impacts payment, and the key deadlines you can’t afford to miss
Mechanic's Liens

Why waiting to send a preliminary notices is a bad idea

Waiting to send a preliminary notice on an overdue account? That could cost you. Learn why sending it on time, every time, is the smart move to protect your payment
Payments

Not All ACH Payments Are Created Equal: WEB vs. CCD

ACH payments are easy and cost-effective. But not all ACH payments are created equal. Choosing the correct type can help you get paid faster with less disputes
Payments

ACH Returns: Why they happen and how to deal with them

One of the downside to ACH payments is that they can be rejected, just like a physical check. We'll guide you through the most common reasons and how to handle them
Mechanic's Liens

Should You Send a Notice of Intent to Lien?

A Notice of Intent to Lien shows you're serious about getting paid. But is it worth the hassle and should you file one now?
Business Finance

Cash Management vs. Treasury Management: What’s the difference

Curious about cash vs. treasury management? Discover how day-to-day cash flow and big-picture financial strategy work together to keep your business thriving.
Payments

Chase Money Glitch: Why you should rethink checks

Chase’s recent glitch exposed major vulnerabilities in check processing. Fraud jumped 84%—are paper checks too risky for your business? Discover how to stay protected!
Software

Why Melio’s new pricing has businesses looking for better alternatives

Melio's pricing changes have small businesses scrambling for alternatives. Discover how much more you have to pay under the new plan and explore other solutions

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