Nickel vs. Melio
Customers switch to Nickel for unlimited ACH payments, business-friendly subscription models, and live support.
Nickel vs. Melio, feature by feature.
Three* reasons customers choose Nickel over Melio
*There are a lot more than three
Truly unlimited free ACH payments. Send and receive ACH payments for free. No monthly caps or restrictions.
Transparency & live support. Nickel cares about your business running smoothly, so support is just a chat or call away.
Ease of use. Nickel's intuitive UI saves customers hours every week by making the most common tasks easy to access.
Rated above what you're using now.
Hundreds of 5-star G2 reviews from businesses that switched and never looked back.
“I can process my contractor payments in less than an hour, versus QB or my bank which took far longer.”
“I love how Nickel integrates seamlessly into our Airtable software.”
“What used to take an hour can now be done in less than 10 minutes.”
One platform for your cashflow.
Invoice Payments
Request upfront, deposits, and milestone payments on any invoice.
Payment Page
Launch payment page for any product or service with no code.
Auto Pay
Save bank or card details on file and auto charge customers without the wait.
Bill Pay
Pay any business or 1099 contractor globally with card, ACH, wire or check.
Vendor Onboarding
Collect and verify vendor bank, business and tax details with a secure link.
Integrations and API
Sync with Quickbooks Online, Desktop, CRMs and all major US banks.
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Enable Nickel Balance. Earn 2% on idle cash and send and receive payments instantly.
Frequently asked questions
How do I switch from Melio to Nickel?
Sign up for Nickel, connect your QuickBooks account, and your customers, vendors, and invoices sync over. You can start sending payment links through Nickel the same day. There's no data migration to manage by hand because the QuickBooks integration pulls everything across. Most businesses are fully live within a day.
How long does it take to be fully live after switching?
Most businesses send their first payment or invoice on day 1. If you use QuickBooks, connecting the integration takes about 5 minutes and your records sync immediately. Vendor onboarding takes as long as it takes your vendors to fill out their secure link (usually a day or two). You don't have to wait for all vendors to be onboarded before you start using Nickel for everything else.
What payment methods does Nickel support?
Nickel supports ACH bank transfers (free), credit and debit cards including Apple Pay and Google Pay (2.9%), mailed checks ($2), and real-time bank transfers through Nickel Balance. For paying vendors, Nickel also supports domestic wires and international wires via SWIFT to 135+ countries ($25). Your customers choose their preferred method when they open the payment link. Nickel doesn't currently offer in-person swipe or tap POS terminals. It's built for invoice-based and B2B payments.
Does Nickel require a merchant account?
No, Nickel doesn't require a separate merchant account. You sign up, verify your business, and start processing payments. There's no third-party merchant account provider to set up, no underwriting delay, and no separate fee structure to manage.
Does Nickel offer both accounts payable and accounts receivable?
Yes, Nickel handles both AR (invoicing, payment links, recurring invoices, autopay) and AP (bill pay, vendor onboarding, approval routing) on one platform. Both AR and AP are available on all plans; recurring invoices and autopay require Plus. Everything syncs to QuickBooks from one integration.
My payment platform has held large payments before. Will Nickel do the same?
We can't guarantee that Nickel will never hold a suspicious payment, but because our infrastructure is specifically designed for small businesses processing large payments, it's far less likely to happen. If it ever does, our support team is highly responsive and will reach out to you directly.
Ready to leave Melio behind?
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