Nickel
Nickel: A flexible ACH and invoicing platform with a free tier and paid automation. Ranked #1 of 21 in ACH Payment Processing Software by our editors (9.4/10); pricing: Free plan · 14-day trial; best for businesses wanting low-cost, full-featured ACH.
At a glance
- Editor score9.4 / 10
- PricingFree plan · 14-day trial
- Best forBusinesses wanting low-cost, full-featured ACH
- Free planYes
- Paid from$35/mo
- Recurring ACH paymentsYes
- Facts checked20 Sep 2026
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
Our verdict on Nickel
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 services. The product combines ACH payment collection, vendor payments, invoice payment links, hosted payment pages, bill pay, vendor onboarding, QuickBooks synchronization, and automated payment reminders. It also includes AI invoice follow-ups and bookkeeping assistance.
Pricing is structured around a free Core plan and paid tiers. Nickel Core costs $0 per month and includes invoice payments, a payment page, bill pay, vendor onboarding, QuickBooks Online and Desktop integration, and free ACH. Nickel Plus costs $35 per month with annual billing or $45 per month with monthly billing, adding recurring invoices, autopay, saved payment methods, and priority support. Nickel Pro costs $300 per month and adds API access, vendor verification, a dedicated account manager, dedicated onboarding and training, and SAML/OIDC single sign-on. Enterprise adds dedicated support, multi-entity support, developer tools, custom ERP and data warehouse integrations, and custom per-transaction pricing. A 14-day free trial is also available.
Nickel suits teams that want ACH collection and vendor payments alongside invoicing and bill pay rather than a narrow payment rail. Same-day ACH, payment links, API access, webhooks, and a stated $1 million ACH limit support more structured payment operations. QuickBooks Online and Desktop synchronization is the clearest accounting fit, while the Enterprise tier addresses organizations needing custom integrations. Businesses that only need basic ACH can start with Core; those needing recurring billing should choose Plus, and those requiring API access, SSO, or dedicated support should consider Pro or Enterprise.
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Nickel pricing
All 4 Nickel plans and prices →
Nickel fact sheet
| Free plan | Yes |
|---|---|
| Paid from | $35/mo |
| Recurring ACH payments | Yes |
| ACH credit support | Yes |
| Same-day ACH | Yes |
| Payment links | Yes |
| API access | Yes |
| Webhook support | Yes |
| ACH transaction limit | 1e+06 USD |
| Free trial | 14 days · no card needed |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | SOC 2, PCI DSS, SSO/SAML |
| Support | Email, Live chat, Phone |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 2 integrations: QuickBooks Online, QuickBooks Desktop |
| Pricing | Free plan · 14-day trial (source) |
| Website | nickel.com |
| Facts checked | 20 Sep 2026 |
Nickel integrations
Nickel lists 2 integrations on its own site.
- QuickBooks Online
- QuickBooks Desktop
Alternatives to Nickel
- ACHQA broad ACH toolkit with published monthly plans for growing payment programs.9.2
- DwollaA mature API platform for businesses that need ACH, RTP, and FedNow payments.9.0
- Stripe ACH Direct DebitA Stripe-native way to add one-time and recurring ACH to web and API payment flows.8.8
Nickel vs the competition
- Nickel vs ACHQ
- Nickel vs Dwolla
- Nickel vs Stripe ACH Direct Debit
- Nickel vs Paymentus
- Nickel vs Authorize.net
- Nickel vs PayJunction ACH Payment Processing
Compare Nickel with any tool side by side →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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