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Nickel

Nickel

One secure platform to manage payments, cash flow, and credit.

software.categoryRank
1 min read · Updated 5/5/2026
Nickel homepage screenshot

At a glance

Quick overview for Nickel: rating, pricing summary, key features, and highlights.
Range: Not explicitly statedMonthly subscription, Yearly subscription
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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Nickel review, pricing, features, pros & cons

Running a business often means juggling fragmented payment tools, PDFs, and phone calls. Nickel unifies A/R, A/P, and trade credit on one platform, so you manage money with less friction.

You can get paid by card, ACH, or check, and you can offer net terms with credit insights. That means faster cash flow and fewer internal back-and-forth.

What is Nickel?

✨ What Nickel is Nickel is an online payments platform that unifies A/R, A/P, and trade credit in one place. It’s built for small businesses and finance teams who want to speed payments, reduce busywork, and keep cash flowing smoothly.

Nickel Key Features

💼 One platform for all money movements

Nickel brings A/R, A/P, and trade credit together in one platform. It unifies A/R, A/P, and trade credit so you can see the full picture of your money.

This setup reduces friction by replacing fragmented tools, PDFs, and phone calls with a single place to manage payments. It gives you control over the entire payment cycle from a simple dashboard.

✨ Pay your way and get paid faster

Nickel makes it easy to get paid by card, ACH, or check. Customers choose how they want to pay, and funds land in your bank account with minimal fuss.

Bill Pay lets you send payments to vendors or contractors by card, ACH, or check, and you can track every dollar live. Custom approvals help you control when and how money moves.

  • Card payments
  • ACH transfers
  • Checks

✨ Net terms and credit tools to close deals

Activate new customers with confidence using built-in credit insights, decision workflows, and funding when it’s needed most. These tools help you move faster and reduce debates over terms.

When you need to extend terms, Nickel supports net-60 for customers and provides the data you need to decide who to extend credit to.

  • Credit insights
  • Decision workflows
  • Net 60 day terms

✨ White-glove onboarding and human support

Nickel offers white-glove onboarding to set you up for success. You’ll have real humans to help you along the way.

Around-the-clock chat and email support means help is available when you need it. You can also rely on native QuickBooks Online integration for real-time data flow.

✨ Secure money movement and no middlemen

Nickel routes payments through sponsor banks and uses a secure holding account. Funds are held in your name, so you stay in control and protected.

Eliminating middlemen helps move money faster and with lower costs, while keeping security front and center.

✨ Reconciliation, insights, and clear pricing

Reconciliation is built to replace spreadsheets with a clean, headache-free process. You’ll see clearer statements and easier matching against bank activity.

Pricing is transparent with upfront plans and annual billing so you know what you’ll pay.

Use Cases

💼 Unified money management for small teams

Running a business often means juggling multiple tools, PDFs, and phone calls. Nickel unifies A/R, A/P, and trade credit on one platform, so you manage money with less friction.

You can get paid by card, ACH, or check, and you can offer net terms with credit insights. That combination speeds cash flow and reduces back-and-forth.

White-glove onboarding and real human support mean help is there when you need it. QuickBooks Online sync keeps invoices and bills up to date in real time.

🎯 Close deals faster with net terms and credit insights

When you sell on net terms, you need to manage risk and cash flow.

Nickel activates customers with credit insights and decision workflows, so you can fund what you need when it's needed the most.

Outcome: you activate customers and close deals faster.

⚡ Get paid faster with flexible payments

Steps: 1) A customer chooses a payment method via the portal (card, ACH, or check). 2) Nickel processes the payment with clear turnarounds. 3) Funds settle into your holding account and move to your bank.

  1. Reconcile automatically in QuickBooks Online.

🧾 Streamlined vendor payments and real-time reconciliation

Vendors often require timely payments, but many teams rely on spreadsheets and manual checks.

Nickel routes payments directly through sponsor banks, uses a holding account in your name, and syncs with QuickBooks Online in real time.

Outcome: reconciliation is clearer and payments are faster and safer.

🌱 Credit-powered growth for growing teams

Growing teams need automation and more users. Nickel Pro offers digital credit tools, customer insights, a decision workflow, and net 60 terms for customers.

Outcome: supports growth with better credit tools and workflows.

🔗 Real-time accounting with QuickBooks Online

Nickel provides real-time sync with QuickBooks Online, so all invoices and bills auto-update as payments happen.

When a payment is made, QuickBooks reflects the details, reducing manual entry and keeping your books accurate.

This helps you maintain up-to-date records with less effort.

Pricing Overview for Nickel

Pricing range
Not explicitly stated
Pricing types
Monthly subscription, Yearly subscription

Nickel Core is free to start ($0 per month). Nickel Plus is $35 per month, while Pro pricing isn’t explicitly stated in the available content.

Plans & Pricing

Nickel CORE

Monthly$0 /mo
3 active users; $25,000 per transaction
  • Unlimited free ACH transfers
  • Turnaround: ACH transfers three business days
  • Card Payments: 2.9% flat rate
  • Turnaround: Card payments two business days
  • 3 active users
See Pricing

Nickel Plus

Monthly$35 /mo
Unlimited active users; No hard transaction limit
  • Unlimited free ACH transfers
  • Turnaround: ACH two business days; card payments next business day
  • Card Payments: 2.9% flat rate
  • Unlimited active users
  • No hard transaction limit
  • Scheduled and recurring payments
  • Remote check deposit (coming soon)
See Pricing

Nickel Pro

Contact for pricing
  • Unlimited free ACH transfers
  • Card Payments: 2.9% flat rate
  • Turnaround: ACH two business days; card payments next business day
  • Digital credit application
  • Customer credit insights
  • Decision workflow
  • Net 60 day terms for customers
  • Custom (See a demo)
See Pricing

Nickel costs between $0 and Not explicitly stated per month with 3 plans: CORE at $0/mo, Plus at $35/mo, Pro price not stated. Here's a quick look at the plans.

Nickel CORE

Price: $0 /mo Other Features:

  • ACH Bank Transfers: Unlimited free ACHs
  • Turnaround: ACH transfers three business days
  • Card Payments: 2.9% flat rate
  • Turnaround: Card payments two business days
  • 3 active users
  • $25,000 per-transaction limit
  • Customer payment portal
  • Get paid via link
  • Bill Pay
  • Permissions and approvals workflow
  • Live chat and email support

Nickel CORE is a good entry point for small teams seeking essential payments.

Nickel Plus

Price: $35 /mo Other Features:

  • ACH Bank Transfers: Unlimited free ACHs
  • Turnaround: Two business days for ACH; Next business day turnaround for card payments
  • Card Payments: 2.9% flat rate
  • Unlimited active users
  • No hard transaction limit
  • Scheduled and recurring payments
  • Remote check deposit (coming soon)

Nickel Plus is the popular choice for growing teams needing more users and automation.

Nickel Pro

Price: Not explicitly stated Other Features:

  • ACH Bank Transfers: Unlimited free ACHs
  • Card Payments: 2.9% flat rate
  • Turnaround: Two business days for ACH; Next business day turnaround for card payments
  • Digital credit application
  • Customer credit insights
  • Decision workflow
  • Net 60 day terms for customers
  • Custom (See a demo)

Nickel Pro is designed for teams needing the full automation and credit tools.

Who should pick Nickel? Core is ideal for starting small, Plus fits growing teams, and Pro offers advanced credit features.

Free plan: CORE is listed at $0/mo; no free trial is stated, and a refund policy isn’t specified.

User Reviews

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Why use Nickel?

✨ Why Nickel? Transform how you handle money with a unified, secure platform. - Unifies A/R, A/P, and trade credit in one platform, replacing fragmented tools, PDFs, and calls.

  • Unlimited free ACH transfers and transparent pricing with no hidden fees. - Net terms and credit insights help you activate customers and close deals faster.

  • White-glove onboarding and real human support mean setup and help when you need it. - Real-time QuickBooks Online sync updates invoices and bills automatically.

  • Secure money movement through sponsor banks with a holding account, keeping funds in your name.

Ready to transform your workflow with Nickel?

Try it nowView pricing

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Frequently Asked Questions

What pricing plans does Nickel offer and what does each include?

Nickel Core is free ($0/mo) with unlimited free ACH transfers, 3 active users, and a $25,000 per-transaction limit. Nickel Plus costs $35/mo and adds unlimited active users, scheduling/recurring payments, and faster turnarounds; Plus also notes remote check deposit coming soon. Nickel Pro pricing isn’t stated.

Is there a free trial or refunds policy?

Not explicitly stated on the official site. The pricing page lists a free Core plan but does not mention a trial period or refunds.

How many users and what limits exist per plan?

Core supports 3 active users and a $25,000 per-transaction limit. Plus allows unlimited active users with no hard transaction limit; Pro’s user limits aren’t stated.

What integrations does Nickel support?

Nickel integrates natively with QuickBooks Online with real-time sync for invoices and bills; other integrations aren’t described on the site.

How does Nickel handle security and data protection?

Nickel highlights PCI and SOC 2 compliance, encryption and tokenization, and routing payments through sponsor banks in a secure holding account, with funds staying in your name.

What are the expected processing turnarounds by plan?

Core: ACH transfers in three business days and card payments in two business days. Plus: ACH in two days and card payments next business day. Pro: ACH in two days and card payments next business day.

What is Nickel Pro focused on, and what does it include?

Nickel Pro adds a digital credit application, customer credit insights, and a decision workflow with net-60 terms; pricing isn’t stated.

Who should choose which Nickel plan?

Core is best for starting small; Plus fits growing teams needing more users and automation; Pro targets teams needing full automation and credit tools.

How is onboarding and support handled?

Nickel offers white-glove onboarding and around-the-clock live chat and email support.

What are the billing terms and how can plans be paid?

Plans can be billed monthly or annually, with annual billing offering about 20% savings; Core is $0/mo, Plus $35/mo, and Pro pricing isn’t stated.

Are there any transaction limits beyond Core’s $25,000 cap?

Beyond Core’s $25,000 per-transaction limit, the site does not clearly state other limits.

What payment methods can customers use with Nickel?

Customers can pay by card, ACH, or check, and Nickel offers a Bill Pay feature to pay vendors.

Is Nickel available in all regions or languages?

Not explicitly stated on the official site. Check regional availability on the site or contact sales for specifics.

Can you cancel or pause Nickel, and are there cancellation fees?

Not explicitly stated on the official site; review the terms or contact support for cancellation details.

How does Nickel work with QuickBooks Online reconciliation?

Nickel offers real-time sync with QuickBooks Online so invoices and bills update automatically when payments occur.

Ready to try Nickel? Check out the official site or pricing.
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Nickel Review, Pricing, Features, Pros & Cons