Nickel vs Increase ACH

Nickel9.4Visit Increase ACH8.0Visit

Higher score Nickel #1 in ACH Payment Processing Software 9.4/10 Free plan · 14-day trial Free planFree trial✓ 6 of 6 features Visit Nickel

vs

Increase ACH #8 in ACH Payment Processing Software 8.0/10 Paid ✓ 4 of 6 features Visit Increase ACH

• Nickel fits best

  Businesses wanting low-cost, full-featured ACH

• Increase ACH fits best

  API teams optimizing for transaction-based ACH pricing

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Side by side

Feature	Nickel 9.4/10 Visit ↗	Increase ACH 8.0/10 Visit ↗
At a glance
Editor score	9.4	8.0
Ranking	#1 in ACH Payment Processing Software	#8 in ACH Payment Processing Software
Best for	Businesses wanting low-cost, full-featured ACH	API teams optimizing for transaction-based ACH pricing
Pricing model	Free plan + paid	Paid
Starting price	$35/mo	$0.50/unit usage-based
Free plan	✓ (best)	—
Free trial	14 days	—
Deployment	Cloud	Cloud
Platforms	Web	Web
Support	Email, Live chat, Phone	Email, Docs
Compliance	SOC 2, PCI DSS, SSO/SAML	SOC 2, PCI DSS
Built for	Small business, Mid-market, Enterprise	Mid-market, Enterprise
Features Nickel 6/6 · Increase ACH 4/6
Recurring ACH payments	✓ (best)	Not checked yet
ACH credit support	✓	✓
Same-day ACH	✓	✓
Payment links	✓ (best)	Not checked yet
API access	✓	✓
Webhook support	✓	✓
Specs
ACH transaction limit	1e+06 USD	Not checked yet
Our review
Pros	Free ACH with invoice payments, bill pay, and vendor onboarding Recurring invoices, autopay, payment links, and hosted payment pages QuickBooks sync plus REST API and webhook notifications	Supports ACH credits, debits, same-day processing, and settlement tracking Connects return codes, trace identifiers, and automatic return correlation Combines lifecycle webhooks with dashboard operator workflows
Cons	Advanced automation starts with the Plus paid tier API access and SSO are reserved for the Pro tier Enterprise uses custom per-transaction pricing	No free plan is published ACH returns are priced at $5 per transaction Monthly fees vary by use case
Our verdict	Nickel is a cloud-based B2B cash-flow platform for businesses that collect invoice payments, pay vendors, and manage related workflows. Its audience includes businesses in construction, manufacturing, logistics, wholesale, and professional… Read the review →	Increase ACH is an API-first ACH payment product from Increase Technologies, Inc. It is designed for technology companies, fintech platforms, and API teams that need to originate ACH credits and debits in US payment flows. The product… Read the review →

Strengths and trade-offs

• Nickel — where it wins

  • Free ACH with invoice payments, bill pay, and vendor onboarding
  • Recurring invoices, autopay, payment links, and hosted payment pages
  • QuickBooks sync plus REST API and webhook notifications

  Where it doesn't

  • Advanced automation starts with the Plus paid tier
  • API access and SSO are reserved for the Pro tier
  • Enterprise uses custom per-transaction pricing

• Increase ACH — where it wins

  • Supports ACH credits, debits, same-day processing, and settlement tracking
  • Connects return codes, trace identifiers, and automatic return correlation
  • Combines lifecycle webhooks with dashboard operator workflows

  Where it doesn't

  • No free plan is published
  • ACH returns are priced at $5 per transaction
  • Monthly fees vary by use case

• Nickel9.4/10 · Free plan · 14-day trial

  A flexible ACH and invoicing platform with a free tier and paid automation.

  Visit NickelFull verdict →
• Increase ACH8.0/10 · Paid

  A focused ACH product for API teams that price around each transaction.

  Visit Increase ACHFull verdict →