Ready to try Nickel? Check out the official site or pricing.

Nickel review

Free unlimited ACH, bill pay, and card payments for America's core industries

Nickel costs from $35/mo · 3 plans · Free plan available · prices checked Oct 13, 2026

By Ciroapp Editorial Team · Updated Sep 16, 2026

Visit Website See Pricing

Commission may apply at no extra cost

Pricing verified Oct 13, 2026

Ciroapp score

3.9/ 5

Nickel gives US construction, wholesale, manufacturing, and logistics businesses a free Core plan with unlimited ACH transfers, bill pay, and card acceptance, plus paid tiers that unlock advanced workflows. Independent reviews are thin, and top-end pricing isn't publicly broken out. Overall, it's a low-risk pick for domestic businesses that want free basic payments with room to grow.

Pros

Pros:Nickel Core is free and includes unlimited ACH transfers, eliminating per-transaction costs for basic money movement
Pros:Bill pay is part of the free plan rather than being reserved for a paid tier
Pros:Card payment acceptance is offered at competitive rates, giving customers more than one way to settle invoices

Cons

Cons:The product is built for US businesses, so companies with operations outside the US or significant cross-border payment needs are not the target market
Cons:Advanced workflows sit behind paid plans, meaning the free tier covers basic payments but not deeper automation
Cons:Independent review coverage on major platforms is thin, making it harder to benchmark real-world user satisfaction against established competitors

Best for

US construction firms that need to pay subcontractors and collect from clients without per-transfer fees
Wholesale distributors processing high volumes of customer ACH and card payments
Manufacturers looking for a no-cost way to handle recurring supplier bill pay

What is Nickel?

Nickel positions itself as a payments platform built specifically for the industries that keep the US economy moving: construction, wholesale, manufacturing, and logistics. Its core offer is unusual for the category — a completely free plan, Nickel Core, that includes unlimited ACH transfers, bill pay, and competitive card rates. More than 20,000 US businesses use the platform, and paid tiers exist for companies that need advanced workflows rather than basic money movement.

Nickel is an accounts receivable and business payments platform for US companies. It combines sending and receiving payments, vendor bill pay, and card payment acceptance in one place, with unlimited ACH transfers included on the free Core tier. The product splits into that free Core plan and paid plans that unlock advanced workflows tailored to industries like construction, wholesale, manufacturing, and logistics.

Should you choose Nickel?

Quick buyer guidance before you compare plans or click through.

Choose it if

US construction firms that need to pay subcontractors and collect from clients without per-transfer fees
Wholesale distributors processing high volumes of customer ACH and card payments
Manufacturers looking for a no-cost way to handle recurring supplier bill pay
Logistics companies with constant, high-frequency transfers to carriers and collections from shippers
Small US businesses that want a free payments starting point with a clear upgrade path

Skip it if

Businesses based outside the US or with significant cross-border payment requirements
Teams that need advanced workflow automation but have no budget for paid plans
Buyers who require extensive independent reviews or third-party validation before adopting a platform

Next steps before buying

1Visit nickel.com and sign up for the free Nickel Core plan
2Complete your business profile and start sending and receiving unlimited ACH transfers
3Set up bill pay for vendors and suppliers, and enable card acceptance for customer invoices
4Monitor whether your payment operations need advanced workflows, then compare the paid plans when they do

Nickel Key Features

✨ Free Core plan with unlimited ACH

Nickel Core costs $0 and includes unlimited ACH transfers, so businesses can move money to and from vendors and customers without per-transfer fees eating into margins. This is the anchor of the product: basic payments are not gated behind a subscription, and the free tier is a standing plan rather than a trial.

✨ Built-in bill pay

Bill pay is included on the free tier, letting businesses manage outgoing payments to suppliers, subcontractors, and other vendors in the same place they collect receivables, instead of juggling separate tools for each direction of money flow.

✨ Card payment acceptance

Nickel supports accepting card payments at competitive rates, which matters in industries where customers expect a card option even when ACH is available. Card acceptance sits alongside ACH within the Core plan, giving customers flexibility on how they settle invoices.

✨ Industry-tailored workflows on paid plans

Companies that outgrow basic money movement can move to paid plans that unlock advanced workflows. These tiers are offered under monthly, yearly, and usage-based billing, so growing businesses can match cost to how intensively they use the deeper automation.

Use Cases

💡 Construction payments

Contractors can use bill pay and unlimited ACH to pay subcontractors and material suppliers while collecting from project owners by ACH or card. Free unlimited transfers are significant in construction, where payment volume per project runs high and per-transaction fees add up fast.

💡 Wholesale and distribution receivables

Wholesalers collect from many recurring business customers. Nickel's accounts receivable focus plus card acceptance gives distributors multiple ways to get paid — ACH for larger recurring invoices and cards for smaller or time-sensitive orders.

💡 Manufacturing supplier payments

Manufacturers juggle recurring invoices from raw material and component suppliers. Nickel's bill pay consolidates those outgoing payments into one workflow, and the free plan absorbs the transaction volume without added per-payment cost.

💡 Logistics money movement

Logistics operators handle constant payments to carriers and collections from shippers. Unlimited ACH transfers on the free Core plan keep payment costs flat as shipment and transfer volume grows.

Nickel pricing

From$35/mo

From the vendor's pricing page, checked Oct 13, 2026
3 plans
Free plan available

Prices checked on Oct 13, 2026 from Nickel's pricing page

View pricing page screenshot

Plan	Billed monthly	Billed annually	Includes
Core	Free	—	Free ACH with $25,000 per-transaction cap; ACH settles in 3 business days, cards in 2 business days.
Plus	$35/mo	—	Free ACH with $1M per-transaction cap; ACH settles in 2 business days, cards in 1 business day.
Pro	$300/mo	—	Free ACH with $1M per-transaction cap; ACH settles in 2 business days, cards in 1 business day.

Price history

Tracking prices since Oct 1, 2026. No price change detected yet.

Pricing types: Free plan, Monthly subscription, Yearly subscription, Usage-based pricing

Pricing notes

Nickel pricing: Plans from $0/month Billing options: Free plan, Monthly subscription, Yearly subscription, Usage-based pricing

Cost calculator

Estimate what Nickel costs for your team.

PlanSeats (users)

Billing

MonthlyAnnual

Per month: $35
Per year: $420

Plus states no user limit: shown as one price for the whole account. Check the price for 5 users with the vendor. Estimate based on published list prices, before taxes, add-ons and discounts.

How to pay less for Nickel

Start on the free plan and upgrade only when you hit its limits.

Visit Nickel

Email me when Nickel changes price

One email when we detect a price change on the vendor's pricing page. No newsletter, no deals. Unsubscribe in one click.

User Reviews

No reviews yet.

Write a Review

Write a Review for Nickel

Why use Nickel?

Most payment and AR tools charge per transaction or lock basic features behind monthly fees; Nickel's free Core plan removes that barrier by including unlimited ACH transfers and bill pay at no cost. Because it is purpose-built for core US industries rather than generic office businesses, its workflows map to how contractors, distributors, manufacturers, and logistics operators actually move money.

For a small business, that means you can start paying and getting paid without an upfront software investment and only upgrade when operations genuinely demand more.

Try it now View pricing

Nickel alternatives

Other tools in the Accounts Receivable Automation category

View all Accounts Receivable Automation tools

Ignition

Accounts Receivable Automation3.8/5

Ignition is a web-based platform in the accounts receivable automation category, built for service businesses that bill clients on a recurring basis. Its core workflow moves from proposal to engagement letter to scheduled billing: once a client accepts a proposal and saves a payment method, invoices are generated and collected automatically. Payments are taken by credit card or bank transfer, and the resulting invoices and payments sync into accounting software so the ledger stays current.

Read full review

ezyCollect

Accounts Receivable Automation3.4/5

ezyCollect is a full-stack accounts receivable automation platform that plugs into your accounting software to manage invoices, reminders, and payments from one place. It enables automated email and SMS reminders, payment writebacks, an integrated payment portal, and online credit applications and credit insights. It's used by over 1,500 companies in 23 countries.

Read full review

Pabbly Subscriptions

Subscription Billing4/5

Pabbly Subscriptions is a billing platform built for recurring revenue teams. It offers hosted, popup, and embeddable checkout pages, real-time webhooks, and a flexible API to integrate with custom apps 💳. It's designed for businesses selling subscriptions across multiple brands and platforms, with multi-brand support and broad payment options.

Read full review Nickel vs Pabbly Subscriptions

VEA

CRM4/5

VEA is an AI powered business management platform for solopreneurs and small teams. One dashboard for customers, invoicing, work orders, scheduling, tasks, and AI analytics. $24.95/user/month. No contracts. Earn up to 30% recurring commission for 12 months per referral.

Read full review Nickel vs VEA

Nickel FAQ

How much does Nickel cost?

Nickel's cheapest paid plan, Plus, costs $35 per month. Paid plans range from $35 to $300 per month. Prices checked on Oct 13, 2026 from the vendor's pricing page.

Does Nickel have a free plan?

Yes. Nickel has a free plan (Core); paid plans start at $35 per month.

Has Nickel's price changed recently?

No. We have not detected a price change since we started tracking on Oct 1, 2026.

Is Nickel actually free to use?

Yes. Nickel Core is completely free and includes unlimited ACH transfers, bill pay, and competitive card rates. It is a standing free plan rather than a trial, and the company monetizes through paid plans that unlock advanced workflows for businesses that need them.

What kinds of businesses is Nickel built for?

Nickel targets US businesses in core industries, particularly construction, wholesale, manufacturing, and logistics. More than 20,000 businesses use the platform, and its payment and receivables workflows are designed around how these industries pay vendors and collect from customers.

Can my customers pay by card, or is it ACH only?

Card payments are supported. Nickel offers card acceptance at competitive rates alongside unlimited ACH transfers, so customers can choose the payment method that suits the invoice — ACH for larger amounts and cards where speed or preference matters.

When would I need to move to a paid plan?

The free Core plan covers core money movement: unlimited ACH transfers, bill pay, and card acceptance. Paid plans come into play when your business needs advanced workflows beyond basic payments, with monthly, yearly, and usage-based billing options available.