--- title: Nickel Reviews meta_title: 'Nickel Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 234 reviews by the users' company size, role or industry to find out how Nickel works for a business like yours. aggregate_rating: rating_value: 4.9 review_count: 234 scale: '5' date_modified: '2026-09-17' parent_category: name: Payment url: https://www.g2.com/categories/payment --- # Nickel Reviews **Vendor:** Nickel **Category:** [Payment Processing Software](https://www.g2.com/categories/payment-processing) **Average Rating:** 4.9/5.0 **Total Reviews:** 234 **AI Enabled:** This product embeds AI to enhance or extend its core functionality. ## About Nickel Cashflow is the lifeblood of every American business, yet the financial services you rely on to move, save, and borrow money quietly bleed it. Nickel is a different kind of company. We're an all-in-one accounts payable (AP) and accounts receivable (AR) platform that gives your business the financial products, software, and AI it needs to grow its cashflow. We only succeed when you succeed, which is why we do the one thing our peers won't: we publish exactly how we make money on every product. It's not a marketing stunt. It's the most transparent payment processor you'll find, and a new bar for the industry. More than 25,000 B2B businesses, and the accountants who serve them, run their cashflow on Nickel with free unlimited ACH and some of the lowest fees in the industry. Here's what you can do with Nickel: Get paid faster, Accounts Receivable. Create branded payment links and payment portals in seconds and share them by text, email, or your website. Customers pay by card, ACH, or check, and they never need a Nickel account. Save payment methods on file with Nickel Plus to enable one-click and recurring payments. Pay vendors without the busywork, Accounts Payable. Pay any business, 1099 contractor, or individual by ACH, card, wire, or mailed check using just their email address. Set custom approval workflows so large payments always get the right sign-off. Keep more of every dollar, transparent by design. Free unlimited ACH with no per-transaction percentage and no volume cap, on the Nickel Core plan with no monthly fee. No chargeback fees and no hidden costs, plus a published breakdown of how we make money on every product. Competitive 2.9% flat-rate card processing on all domestic cards, with the option to pass card fees to the payer. Built to handle high-value B2B transactions up to $1M without a hitch on Nickel Plus. Stay in sync and in control. Native QuickBooks sync (Online, Desktop, and Enterprise) means every payment matches your books one-to-one, with no batch deposits and no double entry. A Master Account and Subaccount structure lets you manage multiple businesses or clients under a single login. Earn 2% APY on idle cash in Nickel Balance, accrued daily. Developers can build on Nickel's REST API and webhooks for ACH, card, and wire with Nickel Pro. Backed by AI and real humans. CC Penny, Nickel's AI accountant, on any email to coordinate and handle a payment for you. And when money's on the line, a US-based support team is ready to assist you. We're setting an audacious new bar for transparency in financial services, and we want you to hold us to it. Don't ever settle for less. Join 25,000+ businesses moving their money on Nickel. Get started for free in five minutes, with no credit card required. ## Nickel Pros & Cons Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews. **What users like:** - Users commend the **ease of use** of Nickel, appreciating its seamless integration and responsive support. (98 reviews) - Users appreciate the **easy and efficient ACH payment** process with Nickel, enhancing their financial management experience. (80 reviews) - Users find the **easy setup** of Nickel quick and seamless, enhancing their experience in managing transactions. (53 reviews) - Users praise Nickel for its **free ACH transfers** , enhancing cost-effectiveness and simplifying financial processes significantly. (44 reviews) - Users praise Nickel's **responsive customer support** and easy setup, enhancing their experience in managing payments. (39 reviews) - Customer Satisfaction (33 reviews) - Payment Processing (31 reviews) - Users love the **easy integrations** with QuickBooks, simplifying payment processing and invoicing significantly. (28 reviews) - Invoicing (25 reviews) - Simple (25 reviews) **What users dislike:** - Users note a lack of **missing features** , such as scheduling payments and improved transaction reliability on Nickel. (20 reviews) - Users report issues with **invoicing problems** , including slow payment processing and the need for more flexible payment options. (15 reviews) - Users experience **delays in ACH payments** , as processing times can vary and hinder reliable vendor communications. (12 reviews) - Users experience **inconsistent lead times for ACH payments** , complicating cash flow management despite overall satisfaction with Nickel. (10 reviews) - Users highlight **invoicing issues** with Nickel, noting difficulties in sending, tracking, and downloading invoices effectively. (10 reviews) - Design Improvement (9 reviews) - Users express dissatisfaction with **payment issues** , including unexpected account closures and slow processing times. (9 reviews) - Payment Delays (6 reviews) - Poor Navigation (6 reviews) - Not User-Friendly (5 reviews) ## Nickel Reviews ### 1. Nickel Makes Free ACH Payments Simple, Reliable, and QuickBooks-Friendly **Rating:** 5.0/5.0 stars **Reviewed by:** Aaron R. | Broker/Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through Google using a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 11, 2026 **What do you like best about Nickel?** What I like best about Nickel is how simple and cost-effective it makes ACH payments for my business. I regularly pay contractors and vendors, and Nickel has made the entire payment process incredibly easy and user-friendly. Standard ACH transfers are free, which is a huge benefit for a small business processing multiple contractor and vendor payments. I also really appreciate the QuickBooks integration. Nickel works seamlessly with QuickBooks, which makes bookkeeping, accounting, and payment reconciliation much easier for our bookkeeper. Between the free ACH transfers, easy contractor payments, and QuickBooks integration, Nickel has become one of the most useful payment tools we use to run our business. **What do you dislike about Nickel?** Nothing significant so far. Nickel has been reliable, easy to use, and works well for our business ACH payments. Processing time for the free version is 4-7 days depending on the receiving bank. **What problems is Nickel solving and how is that benefiting you?** Nickel makes paying contractors and vendors through ACH simple, fast, and cost-effective. As a business owner, it saves me time, eliminates unnecessary ACH transfer fees, and keeps our payments organized. The QuickBooks integration is also a huge benefit because it simplifies bookkeeping and accounting while reducing manual work for our bookkeeper. ### 2. Nickel Makes Invoicing Simpler, Saves Fees, and Syncs Flawlessly with Quickbooks **Rating:** 5.0/5.0 stars **Reviewed by:** Justin M. | Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account added to their profile **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 01, 2026 **Describe the project or task Nickel helped with:** Nickel is easier for me, is better for my clients, and saves me money and time. **What do you like best about Nickel?** I used to use Quickbooks for Invoicing. They continuously went up on their prices every year and I suddenly realized I had paid close to $1000 just in ACH transaction fees on my invoices last year - by switching to Nickel I save that much money every year. Nickel is also better for the clients that pay me as well - they are immediately given the option to pay via credit card and pay the extra fee on my behalf or pay for free via ACH. With Quickbooks, I would have had to ask them how they want to pay and if they wanted to pay via credit card, I'd have to go back and add it to the invoice and send it back to the client. Now with Nickel, there's none of that back and forth. It's just a lot simpler. Plus, it still flawlessly connects to my Quickbooks so none of my bookkeeping is messed up with Quickbooks. Nickel is easier for me, is better for my clients, and saves me money and time. Would highly recommend it to any freelancer or business! **What do you dislike about Nickel?** I don't dislike anything about Nickel. It does everything it's supposed to and saves me time and money. **Recommendations to others considering Nickel:** Would highly recommend it to any freelancer or business! **What problems is Nickel solving and how is that benefiting you?** It saves me time. It saves me money. It connects flawlessly to Quickbooks. It's a better end-user experience for the client. ### 3. Nickel Makes Free Billing Effortless with Seamless QuickBooks Desktop Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Rob G. | Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 27, 2026 **What do you like best about Nickel?** Nickel has been a huge upgrade for my business billing. Unlike other platforms that charge monthly subscription fees regardless of usage, Nickel is completely free to use. It integrated seamlessly with my QuickBooks Desktop setup, making my workflow effortless. My clients love the straightforward payment process, and offering them the choice between ACH and credit card—with credit card fees automatically calculated and adjusted—saves me time on every single invoice. **What do you dislike about Nickel?** There really isn't much to complain about. Standard payouts can take 3 business days to clear, though they do offer faster processing options on their upgraded tiers. For my business, I'm more than happy with the short wait in exchange for a completely free invoicing platform that works this reliably. **What problems is Nickel solving and how is that benefiting you?** Before switching to Nickel, I was paying a recurring monthly subscription for merchant processing whether I billed clients that month or not. Nickel completely eliminated that overhead cost while simplifying my client payments. It integrates directly with my QuickBooks setup, automatically handles credit card fee adjustments, and gives my clients a smooth, simple way to pay via ACH or card. It saves me time on billing admin and cuts unnecessary software expenses. ### 4. Seamless Payments with Nickel—No Card Fees and PCI Compliance Handled **Rating:** 5.0/5.0 stars **Reviewed by:** Cameron B. | Owner/Operator, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 04, 2026 At G2, we prefer fresh reviews and we like to follow up with reviewers. They may not have updated their review text, but have updated their review. **What do you like best about Nickel?** Nickel makes payment processing seamless. I really like not having to deal with card fees, and I appreciate that Nickel takes care of all the PCI compliance as well. **What do you dislike about Nickel?** The only thing I'd like to see changed is the option to send automatic payment reminders. When it is time to send and invoice, I have to manually send and resend if needed. But this process is very quick and easy. **What problems is Nickel solving and how is that benefiting you?** Nickel seamlessly works with Quickbooks to ensure invoices are promptly paid. Allowing me to focus on what I do best. Nickel's support is superb and their platform is sleek and easy to use. Nickel takes the large task of payment processing and makes it a breeze; there is no delays in speed even if there are dozens of invoices sent out at the same time. Nickel is always quick and updates instantly. Nickel's automated chart of accounts receivables helps visualizes what's coming in each day ### 5. Streamlined Billing and Payment Processing **Rating:** 5.0/5.0 stars **Reviewed by:** Peter E. | Administrator, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account added to their profile **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** July 31, 2026 **What do you like best about Nickel?** I use Nickel to handle both invoicing and payment collection securely. The simplicity of the entire billing process from start to payment makes our jobs easier. It's quick and easy to send invoices to customers, and more of our customers are starting to use Nickel to submit payments. According to our IT department, the initial setup of Nickel was pretty easy. **What do you dislike about Nickel?** When sending invoices to customers, instead of the invoice being delivered separately to the employees at the company, it should cc all the points of contact at the company. It doesn't affect it much, but just having to tell customers the invoice did get sent to the right person can be a slight hassle. **What problems is Nickel solving and how is that benefiting you?** Nickel streamlines our billing workflow by quickly sending invoices and securely collecting payments. It reduces manual steps, ensures secure transactions, and saves time on follow-ups, making our jobs easier. ### 6. Powerful, Lightweight Accounting Made Easy for Small Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Sean J. | Principal, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 04, 2026 **What do you like best about Nickel?** Nickel is a very powerful, but surprisingly lightweight accounting platform for my small business. I love the easy-to-navigate interface, and how easy it is to schedule payments to vendors and get paid via ACH. It's everything a small business owner could hope for: bills, payments and accounting all rolled into a tool that doesn't require an accounting degree to use. **What do you dislike about Nickel?** I honestly have zero complaints about the platform. The tools are powerful, it's easy to navigate, and the pricing is very fair. **What problems is Nickel solving and how is that benefiting you?** Nickel makes it really easy for my small business to accept payments via ACH, without exorbitant fees. I love the payment link that allows my customers to pay their invoices as easily as possible. It's really helped me get paid faster. ### 7. Super Simple, Flawless QuickBooks Sync, and Fair Fees **Rating:** 5.0/5.0 stars **Reviewed by:** Stephen W. | Director of Finance, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through Google using a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** July 06, 2026 **What do you like best about Nickel?** Nickel makes everything super simple to use, and nothing feels over-engineered. It syncs with QuickBooks, and in the seven months we’ve been using it—after switching from Melio and Bill.com—the syncing has been flawless. The pricing/fees are reasonable, and they don’t nickel-and-dime you when you’re trying to get paid or pay vendors. Pun intended. We haven’t had to use support yet, so I can’t speak to how quick or helpful they are, but with most other platforms we’ve tried, we usually end up having to raise a support ticket within a few weeks. **What do you dislike about Nickel?** You’re required to enter an email address when you pay someone, even though not all of our vendors want to receive payment remittance emails. The approval workflows could also be improved. Right now, approvals are only amount-based, but it would be helpful to add vendor-based approval workflows as well. **What problems is Nickel solving and how is that benefiting you?** Nickel makes it really easy to pay vendors by credit card, ACH, or check. No matter what a vendor accepts, we can pay with a credit card and they can still receive a check or ACH. Nickel also doesn’t batch payments when pulling from the bank, which makes reconciliation in QuickBooks much easier compared with Bill.com. We switched from Melio because we kept running into issues where funds weren’t being withdrawn and bills weren’t paid on time. ### 8. Simplifies Online Payments with Zero Fees **Rating:** 5.0/5.0 stars **Reviewed by:** Ian C. | Cinematographer, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through a business email account added to their profile **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 14, 2026 **What do you like best about Nickel?** I like that Nickel is free, and I appreciate that it's easy for my clients and provides a frictionless experience. I also enjoy the simplicity of the payment notification emails that aren't cluttered with marketing, just letting me know money is coming my way. The setup was fairly easy, and after that, I haven't really had to think about getting paid. This product allows me to easily create payment links and pass fees along to my clients, which is crucial for me. **What do you dislike about Nickel?** I'd love the option to create invoices that actually have line items. The invoicing just having a total amount due isn't good enough for being a standalone invoice experience. My invoices often include line items and quantities and cost per unit and taxes, and things that just aren't able to be put in the invoices that I create with Nickel. **What problems is Nickel solving and how is that benefiting you?** Nickel simplifies my invoicing by allowing me to create online payment links, pass credit card fees to clients, and eliminate ACH fees, making payment collection easy and cost-effective. ### 9. Nickel’s Refreshingly Fair Fees and No Need for annual PCI DSS Compliance **Rating:** 4.5/5.0 stars **Reviewed by:** Lori T. | Executive Director, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** June 18, 2026 **What do you like best about Nickel?** I love that Nickel does not charge outrageous fees or subject users to absurd PCI requirements for using their website-based system. That they do not charge any fees for ACH is so refreshing when competitors (and businesses) typically charge them. Complicated PCI DSS compliance makes no sense when users are not required to save any data locally when using an online processing portal, and yet competitors subject users to confusing, annual gauntlets of questions which do not apply. **What do you dislike about Nickel?** I misunderstood what Nickel can do for free account users. We are a small nonprofit, and I had incorrectly believed that we could store/implement scheduled repeated transactions. This was my mistake, but we simply process each donation individually. **What problems is Nickel solving and how is that benefiting you?** Nickel enables our small charity to invoice and to receive charitable donations and other payments from our supporters for very reasonable cost, nothing for ACH transfers and a low percentage for credit card usage. Nickel also enables us to have the payer cover the costs of credit card usage, reducing our overhead. ### 10. Effortless Payment Processing with Intuitive Interface **Rating:** 4.5/5.0 stars **Reviewed by:** Lily H. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 24, 2026 **What do you like best about Nickel?** I love that Nickel is processing fee free and straightforward, which makes the payment process smooth for me. The clear notifications throughout each step make me feel well-informed about where my money is going and when it's arriving. I appreciate the ability to track cash flow effectively, as the dashboard provides easy insights on the status of invoices and payments. The user experience and interface design are really intuitive and easy to navigate, making the bookkeeping feel less like a chore. I even find myself looking forward to logging in and checking payment statuses. It’s especially great that the free version of Nickel is already powerful, which is perfect for a small business owner like me. **What do you dislike about Nickel?** So far I am pretty happy with all the features. **What problems is Nickel solving and how is that benefiting you?** Nickel is fee-free and straightforward, with clear notifications tracking payments every step of the way. It helps track cash flow and invoice status easily through its dashboard. Even the free version offers powerful features, making bookkeeping less dreadful. ### 11. Efficient, and User-Friendly Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Nicky C. | Manager, Customer Success, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 14, 2026 **What do you like best about Nickel?** I really appreciate how easy Nickel is to integrate with QuickBooks, making it simple to collect payments through a payment link. The custom domain feature is great for branding invoices sent to customers. I value that Nickel has a generous free-tier, especially when compared to the fees charged by QuickBooks. The simplicity of the interface makes it effortless to onboard employees and handle payment collections. It's easy to use, and I love being able to send or resend a payment request with just two clicks, as well as complete bill payments the same way. The user experience and interface make it easy to click a button and make a payment, which suits my small business needs perfectly. **What do you dislike about Nickel?** Nothing. **What problems is Nickel solving and how is that benefiting you?** I find Nickel makes payment collection and bill payment easy, integrates well with QuickBooks, and offers simple invoicing with custom branding. It's user-friendly, essentially free, and simplifies employee onboarding. Payments and requests can be managed with just a few clicks. ### 12. Efficient, and User-Friendly Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Nicky C. | Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through Google One Tap using a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 14, 2026 **What do you like best about Nickel?** I really appreciate how easy Nickel is to integrate with QuickBooks, making it simple to collect payments through a payment link. The custom domain feature is great for branding invoices sent to customers. I value that Nickel has a generous free-tier, especially when compared to the fees charged by QuickBooks. The simplicity of the interface makes it effortless to onboard employees and handle payment collections. It's easy to use, and I love being able to send or resend a payment request with just two clicks, as well as complete bill payments the same way. The user experience and interface make it easy to click a button and make a payment, which suits my small business needs perfectly. **What do you dislike about Nickel?** Nothing. **What problems is Nickel solving and how is that benefiting you?** I find Nickel makes payment collection and bill payment easy, integrates well with QuickBooks, and offers simple invoicing with custom branding. It's user-friendly, essentially free, and simplifies employee onboarding. Payments and requests can be managed with just a few clicks. ### 13. The best of payment processors -Exactly What Our Startup Needed **Rating:** 5.0/5.0 stars **Reviewed by:** Jeff N. | CEO, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 12, 2026 **What do you like best about Nickel?** Nickel was the answer to a critical business need for my startup. I needed to be able to pay my contractors via credit card while building revenue. There are other companies that provide this service but they wanted me to jump through hoops to get approved and I didn't have time for that. Setup and approval was very fast for Nickel. It is cost-effective, intuitive, and allows anyone I authorize to make payments through it. Exactly what I needed. **What do you dislike about Nickel?** Honestly, I don't see any. They have proven to be the best of the payment processors. **What problems is Nickel solving and how is that benefiting you?** They allow me to pay my vendors, which is my highest monthly expense, via credit card. ### 14. Efficient Payments with a Simple Setup **Rating:** 5.0/5.0 stars **Reviewed by:** Nick S. | Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 09, 2026 **What do you like best about Nickel?** I love the ability to be paid online without the need for trips to the bank. Nickel minimizes the time it takes to pay certain bills and virtually eliminates reliance on the postal service to receive payment for work completed. The setup was fairly simple too. **What do you dislike about Nickel?** The sign in process is a bit buggy in my opinion. The site does not have a feature to remember your login until you type the email in. That's honestly a little thing though. Not a big deal. The free features of Nickel come with the 3 business day caveat on payments out and in. For a free service though I can deal with that. **What problems is Nickel solving and how is that benefiting you?** Nickel minimizes bill payment time and removes the need for postal service involvement. It streamlines online payments, eliminating bank trips and enhancing convenience. ### 15. Reliable Payment Solution! 10/10 recommend! **Rating:** 5.0/5.0 stars **Reviewed by:** O H I . O H I . F A R M S W. | Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** May 15, 2026 At G2, we prefer fresh reviews and we like to follow up with reviewers. They may not have updated their review text, but have updated their review. **What do you like best about Nickel?** I love the ease of paying people with Nickel. It's very reliable compared to writing checks or using other services like Venmo, which wasn't always reliable. We love that it's free to pay people, reliable, and it sends receipts so that vendors know when their payment will come through. The initial setup was extremely easy. Customer service is so quick. Someone is always there to answer questions/help quickly. **What do you dislike about Nickel?** Once there was a glitch where the payments we made with Nickel showed up on our business account in a different way, making us think we were being hacked. Instead of showing the name of the person we paid, it showed that we were paying our own business name. It was confusing and we closed our entire account down. Our book keeper helped us figure out that the payments were actually through nickel, and we were able to reverse our frozen account and all was well. It was confusing for the day, but it never happened again. **What problems is Nickel solving and how is that benefiting you?** I find Nickel's reliability and ease of use help me avoid lost checks and unreliable payments. It's free, dependable, and provides receipts for payments. It solved issues we had with Venmo, like blocked payments and poor support. ### 16. Cost-Effective ACH Transfers Made Easy **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Apparel & Fashion | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** October 24, 2025 At G2, we prefer fresh reviews and we like to follow up with reviewers. They may not have updated their review text, but have updated their review. **What do you like best about Nickel?** I appreciate Nickel for offering free ACH transfers, which significantly benefits my accounts receivable process by eliminating the fees that other companies typically charge. The fact that this service is provided for free adds incredible value and makes Nickel a cost-effective choice for managing financial transactions. Setting up Nickel was also smooth and straightforward, contributing positively to the overall user experience. The free nature of its core features, such as ACH transfers, stands out as a major factor that would encourage me to continue using Nickel and recommend it to others. This aligns with my dissatisfaction with QuickBooks and emphasizes Nickel's ability to provide an essential service without unnecessary charges. **What do you dislike about Nickel?** I would like Nickel to make international payments free. **What problems is Nickel solving and how is that benefiting you?** I use Nickel for free ACH transfers, which saves us money compared to other companies that charge for this service, benefitting our accounts receivable process. ### 17. Great payment processor for vendor payments **Rating:** 5.0/5.0 stars **Reviewed by:** John B. | President and CEO, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 11, 2026 **What do you like best about Nickel?** Nickel is one of the best payment processing systems I’ve used for my business. It’s very easy to onboard vendors, and I especially like that they can enter their own banking information instead of me having to collect it myself. Payments are fast, reliable, and they just work. **What do you dislike about Nickel?** So far, I haven’t found anything I’d want to improve about Nickel. It does everything that I need it to do in regards to processing payments. **What problems is Nickel solving and how is that benefiting you?** Nickel helps me keep my bills better organized by storing vendor information and everything in one place, all at an excellent price. ### 18. Simple, Seamless QuickBooks Online Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Charles R. | Owner of Consulting Firm, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 04, 2026 **What do you like best about Nickel?** The simplicity and seamless integration with QuickBooks online **What do you dislike about Nickel?** The free version is a little bit slow when it comes to receiving payments, it takes 3 business days for the money to arrive. I wish the paid version had a same day delivery or 1 day delivery option. **What problems is Nickel solving and how is that benefiting you?** QBO's payment processor is overpriced. Stripe's was also overpriced, and the setup was way too complicated for no reason. For regular small businesses, I feel that Nickle is by far the best payment processor. ### 19. No-Fee ACH and Simple to Use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consulting | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 01, 2026 **What do you like best about Nickel?** No fees for ACH payments and a low card fee that I can choose how much of I pass on to the client are huge and the main reason I use Nickel. I am a very small, very new business and need just the basics - payment processing and simple invoices. Most other services charge too much for what I need. **What do you dislike about Nickel?** Nothing huge. Occasionally it routes customers through Plaid to set up ACH and I wish that that was optional. Plaid is a hard no for a lot of my clients. That said it doesn't always seem to be an issue therefore it's working great for me. **What problems is Nickel solving and how is that benefiting you?** Ability to accept online payments. No money lost to fees. ### 20. Nickel Makes Payments and Reporting Easy for Our Small Business **Rating:** 4.5/5.0 stars **Reviewed by:** Victoria S. | Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 25, 2026 **What do you like best about Nickel?** Nickel is extremely easy to use and integrates nicely with our small business. Reporting options are nice and we are able to track payments without any trouble. Fees are reasonable, and for our small business, we are able to pass them onto the customer. **What do you dislike about Nickel?** It does take a bit of time to get the funds unless you pay extra. **What problems is Nickel solving and how is that benefiting you?** Customers are preferring to pay by credit card instead of traditional ACH or check and other services were too expensive for our small business. ### 21. Nickel Streamlined Our Payments with Secure, Effortless Direct Deposit **Rating:** 5.0/5.0 stars **Reviewed by:** Tiffany W. | Project Coordinator, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** June 17, 2026 **What do you like best about Nickel?** Nickel has been a wonderful payment processing platform for our construction company. It has saved us a significant amount of time by eliminating the need to manually issue payments, and our vendors appreciate the security and convenience of signing up for direct deposit. Since implementing Nickel, we've reduced our payment processing time by days and improved the efficiency of our accounts payable operations. The platform is easy to set up, straightforward to use, and focuses on doing exactly what businesses need without adding unnecessary features that can make other systems more complicated and expensive. **What do you dislike about Nickel?** I don’t have any dislikes about the Nickel system to date. Nickel has been a reliable and efficient solution for our team, and I would highly recommend it to businesses looking to streamline their payment processes. **What problems is Nickel solving and how is that benefiting you?** We were manually issues payments, even manual checks and needed a system that was simple and could connect to quickbooks. ### 22. Effortless Payments with Seamless QuickBooks Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 01, 2026 **What do you like best about Nickel?** I find Nickel a great choice for managing payments in my company. I appreciate that emailed payments go directly to my clients, avoiding spam, and include invoices from QuickBooks. The copy feature to insert the payment link into emails and texts is something I really like and use often. The seamless integration with QuickBooks without any disruptions to my bookkeeping or invoicing is a big plus for me. I'm saving a lot of money on ACH payments and can now offer credit card payments without having to figure out the customer's preferred payment method in advance. The switch to Nickel has been smooth, with the initial setup being simple and easy, and there have been no complaints so far. **What do you dislike about Nickel?** I find the integration with DocuSign could be improved. Currently, I have to send the sales contract through DocuSign and the invoice through Nickel separately. It would be better for customers to get everything in one email. **What problems is Nickel solving and how is that benefiting you?** I use Nickel for seamless QuickBooks integration, saving time on payments, and reducing ACH fees. It lets me offer credit card options easily and direct payment links in emails, preventing spam issues. ### 23. Cost-Effective and User-Friendly Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Validated Reviewer:** Validated through a business email account added to their profile **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 31, 2026 **What do you like best about Nickel?** I like Nickel's easy-to-use payment portal because it allows our customers to pay without sharing their credit card information and they can pay remotely. I appreciate Nickel's pricing structure, which is very cost-efficient for small businesses for processing ACH debits and making ACH credit payments. The interface is also good. We're trying Nickel Balance for faster payments and a bit of extra interest. I think Nickel is a great platform because of its responsive website and the free ACH payments. The ability to use a payment portal with a custom domain name makes it secure and convenient for our customers. Additionally, having API compatibility is good for our future growth and development. The cost structure, the responsive website, and good customer service influenced our decision to use Nickel. The initial setup was easy, which worked great for us. **What do you dislike about Nickel?** lack of same day ACH, lack of Plaid integration in the payment portal **What problems is Nickel solving and how is that benefiting you?** Nickel provides an easy-to-use payment portal, making remote payments simple for customers without sharing credit card info. It’s cost-efficient for small businesses with ACH payments. The responsive website and good customer service, along with features like custom domain for secure payments, boost our operations. ### 24. Clean, Intuitive UI with Fast Invoicing and Excellent Support! **Rating:** 5.0/5.0 stars **Reviewed by:** Daniel K. | Operations Administrator / Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through Google using a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** March 31, 2026 **What do you like best about Nickel?** Since migrating to Nickel from Stripe, the clean, simple, and intuitive UI has been at the top of my list of welcome changes. For my use case, Nickel has been a huge convenience. Setting up invoices for new customers takes about a minute per account. I also love the automatic recurring invoicing, and that I can easily upload the proper documentation when needed. I’ve only had to contact Support once, and it was a 10/10 experience—my issue was resolved very quickly. **What do you dislike about Nickel?** My only real knock here is that I still can’t set a recurring invoice to run indefinitely. I’m required to choose an end date, which means I then have to set my own reminders for when each invoice period ends so I can go back in and extend it. It’s a minor issue, but it creates what feels like unnecessary extra tri-annual setup on my end. **What problems is Nickel solving and how is that benefiting you?** Nickel is solving all of my automated ACH needs. I also like that for the few customers I have that prefer CC transactions, I can easily pass that 2.9% fee on to them rather than eating that cost on my end. If I decide to do it as a courtesy, it's a quick switch in settings. ### 25. Nickel Makes Paying Bills and Charging Customers Easy **Rating:** 5.0/5.0 stars **Reviewed by:** ACTRON SECURITY S. | Bookkeeper/Administrative Asst, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 05, 2026 **What do you like best about Nickel?** Nickel is helpful as it is user friendly. Anyone can use it. It very convenient to pay bills and charge customers all in one forum **What do you dislike about Nickel?** Trying to add multiple bank accounts at least from my perspective it is not allow you utilize this. It would be helpful to be able to pull funds and deposit funds to more than one account **What problems is Nickel solving and how is that benefiting you?** Utilizing of charging customers and paying vendors in one forum. It makes my job easier to do this all on one site ### 26. Easy to Use, Free Services, and Ideal for Small-Business ACH Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Brandon S. | President, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 11, 2026 **What do you like best about Nickel?** The site is very easy to use, and it even provides some services at no cost to us. It’s a great option for small businesses looking to get into ACH payments for invoices as part of their AP management. **What do you dislike about Nickel?** I don't find anything lacking in the site. **What problems is Nickel solving and how is that benefiting you?** They help us automate our AP process and keep it tracked from start to finish. ### 27. Great, Cost-Effective Payment Solution for Small Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Restaurants | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 11, 2026 **What do you like best about Nickel?** It's a great and cost-effective solution for payments for my small independent business. I'm not sure because our accountant primarily uses it, but it seems to integrate well. we also use: toast, gusto, 7shifts, margin edge, opsi, and quickbooks online. **What do you dislike about Nickel?** Nothing comes to mind yet, but I haven't used it very much yet **What problems is Nickel solving and how is that benefiting you?** easy to use payment platform. my business needs to pay me every month, and I don't want to receive a physical check, so it's a great solution for directly linking my business bank account to make a deposit into my personal account ### 28. Low Fees and Easy Invoicing with Nickel and QuickBooks Online Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Emma B. | Bookkeeper, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: G2 invite:** Invitation from G2. This reviewer was not provided any incentive by G2 for completing this review. **G2 Icon:** Our network of Icons are G2 members who are recognized for their outstanding contributions and commitment to helping others through their expertise. **Reviewed Date:** April 28, 2026 **What do you like best about Nickel?** I love how low the fees are with Nickel, since it passes the credit card fees on to the customer. I also really like how easy it is to send invoices thanks to the integrations with QuickBooks Online. **What do you dislike about Nickel?** The only thing I’d add is the ability to see when an invoice email was opened, so I can confirm the recipient has received it and actually viewed the invoice. That’s a feature available in QuickBooks Online. I know they’re constantly making improvements, so it’s possible I missed it if this has already been added. **What problems is Nickel solving and how is that benefiting you?** We no longer have to pay high fees for cards and ACH, and the ability to charge a card on file has been very helpful as well. ### 29. Nickel Is a Game-Changer: Affordable, Intuitive, and Easy to Use **Rating:** 5.0/5.0 stars **Reviewed by:** Cindy A. | Marketing Director, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** May 15, 2026 **What do you like best about Nickel?** Nickel has been a game changer for our staffing agency! We needed a solution after leaving a company we’d worked with for five years, but couldn’t afford all the additional fees, charges, and hassle we were finding with other processors. Nickel saved the day and has been affordable, incredibly easy to use, and never once a headache. Their system is intuitive, robust, and easy for all. We are super happy to be using Nickel - and hope to be with them for years to come! **What do you dislike about Nickel?** Honestly, there is basically no downside. We have had feedback from two-three organizations that they had trouble paying invoices occasionally, but I believe that is more user error or failure to read instructions rather than a Nickel issue. **What problems is Nickel solving and how is that benefiting you?** Nickel saves us money in fees for payment processing, and saves us time on the A/R & A/P sides of things. ### 30. Easy to Use with Exceptionally Responsive Customer Service **Rating:** 5.0/5.0 stars **Reviewed by:** Natasha W. | Owner, Mid-Market (51-1000 emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account added to their profile **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** May 20, 2026 **What do you like best about Nickel?** They are easy to use, easy to work with, and the biggest thing for me is the customer service. They actually have customer service unlike BILL that we had prior. BILL took WEEKS to respond to our emergency needs vs Nickel is on it within minutes. Their team truly cares and take your needs very very seriously. Love Nickel! **What do you dislike about Nickel?** Nothing so far! They are really fantastic and their platform is super easy to use. **What problems is Nickel solving and how is that benefiting you?** They do my company payroll ACH and they do it flawlessly. They even talked to my bank to ensure our needs were met when my bank was being difficult. ### 31. Simplifies Custom Invoicing with Major Cost Savings **Rating:** 5.0/5.0 stars **Reviewed by:** Roby F. | CEO, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** April 29, 2026 **What do you like best about Nickel?** I love the major cost savings Nickel offers, its ability to make invoices fully branded, and how simple it makes for a customer to choose to pay via ACH or credit card. If they choose to use a credit card, the fees are conveniently added right onto the invoice, without me having to track or modify invoices. **What do you dislike about Nickel?** It would be really cool if I could create an invoice template that automatically ports content from QuickBooks Online. The biggest feature I've requested a couple times is to make it clear that you can download the invoice from the link shared with people. Right now, if you click the preview, you can download it, but people don't have any instructions or know that. A little bit of tooltip or button would go a long way, I think. **What problems is Nickel solving and how is that benefiting you?** Nickel removes the need for credit card fees and ACH payment fees, lets me create custom branded invoices that look better than QuickBooks, and simplifies customer payments via ACH or credit card with automatic fee handling, providing major cost savings. ### 32. Nickel Delivers a Streamlined Payment Solution That Solved a Core Business Need **Rating:** 5.0/5.0 stars **Reviewed by:** Melissa H. | Executive Director, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** April 28, 2026 **What do you like best about Nickel?** What I like best about Nickel is that it solved a real operational challenge for our organization. We needed a simple, professional way to accept ACH, wire, and credit card payments through an invoicing process, and Nickel delivered exactly that. The integration with QuickBooks has been especially valuable because it streamlines payment collection and helps keep our financial processes organized and efficient. Another major benefit is the ability to pass along applicable credit card processing fees to the end user, which helps protect our bottom line and makes payment costs more manageable. Since implementing Nickel, we’ve had great success improving the way we collect payments and solving a core business need in a seamless, user-friendly way. **What do you dislike about Nickel?** The only real drawback I experienced with Nickel was that reaching customer support could be a little challenging at times, particularly when trying to find the right contact channel initially. That said, once I connected with their team, they were very responsive, helpful, and quick to assist. We did experience a syncing issue at one point, and their team helped resolve it promptly. Outside of that initial support-access hurdle, I have not experienced any service issues or failures, so overall the experience has been very positive. **What problems is Nickel solving and how is that benefiting you?** Nickel solved a key payment processing challenge for our organization by giving us one streamlined platform to accept ACH, wire, and credit card payments through an invoicing process. Before Nickel, managing multiple payment methods and keeping everything organized was more cumbersome. Their integration with QuickBooks has helped simplify reconciliation, improve efficiency, and save administrative time. It also allows us to pass through applicable credit card processing fees, which helps protect our bottom line. Overall, Nickel has made collecting payments faster, easier, and more professional for both our team and our customers. ### 33. Noticeable Merchant Fee Savings and Awesome Support **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Facilities Services | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 12, 2026 **What do you like best about Nickel?** I love the team at Nickel. They’ve been super responsive and have guided me through the entire process. Their pricing is also excellent, and the savings on merchant fees have made a noticeable difference. **What do you dislike about Nickel?** The only drawback is that PDF attachments don’t retain their original file names, making it difficult to keep track of them when attaching multiple PDFs to invoices. Otherwise everything is pretty easy. **What problems is Nickel solving and how is that benefiting you?** Merchant fees are high but not with Nickel. It also gives customers the flexibility to pay by credit card, with the option to pass the processing fee on to the customer. ### 34. Nickel Makes ACH Billing Free and Easy for My Small Business **Rating:** 5.0/5.0 stars **Reviewed by:** Lindsey E. | Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 19, 2026 **What do you like best about Nickel?** No charge for ACH billing. That’s why I chose Nickel over Quickbooks. **What do you dislike about Nickel?** I don’t have a downside. I have a very small business that has minimal billing and it’s perfect for me. **What problems is Nickel solving and how is that benefiting you?** I’m able to keep all my invoices in one place and keep my customers on record so I don’t have to restart every month. ### 35. Nickel: Free Invoicing Made Effortless **Rating:** 5.0/5.0 stars **Reviewed by:** Ryan T. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 26, 2026 **What do you like best about Nickel?** I love that Nickel is free for my use and doesn't charge me for ACH payments, which saves me a lot of money each month. I also appreciate the QuickBooks integration, which works great for me. The platform is easy to use and intuitive, with a simple and straightforward setup process. **What do you dislike about Nickel?** n/a **What problems is Nickel solving and how is that benefiting you?** Nickel allows me to send invoices without any charges to me, and if customers use credit cards, they cover the fees. It's free for my use and saves me a lot of money each month. ### 36. Nickel Is Easy to Use for Us and Our Customers **Rating:** 5.0/5.0 stars **Reviewed by:** Tom S. | Sales manager, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** July 29, 2026 **What do you like best about Nickel?** We did our research before beginning with Nickel. Nickel has been very easy for us to use and integrates well with our needs. Our customers like it as well, and they haven’t had any issues navigating the platform. **What do you dislike about Nickel?** So far, we haven’t come across anything we dislike. **What problems is Nickel solving and how is that benefiting you?** Nickel has helped to offer convenient payment options for our customers to quickly complete the process. ### 37. Easy Payment Links and Seamless QuickBooks Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account added to their profile **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 12, 2026 **What do you like best about Nickel?** I love how easy it is to send payment links to customers. I can copy and embed the link in an email, or have Nickel text or email it for me. Since it automatically links with QuickBooks, I don’t have to duplicate anything when I’m sending payment requests. **What do you dislike about Nickel?** I’d like there to be a way to see whether the customer opened the link, so I can confirm they received it. **What problems is Nickel solving and how is that benefiting you?** Before I had 2 different platforms, one for ACH and one for card payments. Nickel allows for all three with one link. ### 38. A Simple, No-Fee Game Changer for Invoicing and Getting Paid **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Design | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** June 24, 2026 **What do you like best about Nickel?** I love it's simplicity in creating and managing invoices and how quick and easy it is for my clients to pay. Most of all, I love the lack of additional fees. It's simply a game changer. I expected there to be a catch of some kind for that benefit alone, but the whole tool is just excellent to use. For my use case as a freelance designer, it's an obvious choice for payment processing. **What do you dislike about Nickel?** It isn't obvious to me how to set up recurring invoices. I feel like that should be easier. Also, there should be a toggle for customers to pay more than the amount rather than just less than. I had a customer who wanted to pay a higher amount and I thought the existing toggle that lets customers pay what they want would work both ways, but it's only less than the amount which was disappointing. Feels like a small detail but helpful in my case. **What problems is Nickel solving and how is that benefiting you?** All other payment processing providers I've used take additional cuts from each transaction, and most wrap the invoicing and payment processing inside a subscription plan for their productivity tool. My business is pretty darn small, so removing those barriers was a priority. I'm saving a lot of money, and it's frictionless as a standalone tool in that it doesn't feel like yet another step in a long process, it slots right into my workflow. ### 39. Efficient Payment Processing with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** David A. | Owner, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** March 17, 2025 At G2, we prefer fresh reviews and we like to follow up with reviewers. They may not have updated their review text, but have updated their review. **What do you like best about Nickel?** I like that Nickel is easy to use and a simple platform. The price is great, and I appreciate the quick turnaround time from receiving notification of payments to actually having dollars in my bank account. They're super responsive to any questions or concerns I have, and they're always on the ball with product updates. **What do you dislike about Nickel?** It's still a young platform, so it doesn't have all of the robust features that I guess, something like Stripe might have. No API access currently. I understand that they're working on that. I use Xero as my bookkeeping software. It doesn't tie into Xero yet, but they're working on that. **What problems is Nickel solving and how is that benefiting you?** I use Nickel for payment processing, handling accounts receivable and some payable processes, it simplifies and speeds up receiving payments. ### 40. Instant Payments and Stellar Support with Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 06, 2026 **What do you like best about Nickel?** I like how Nickel allows customers to pay instantly whenever they like without needing to contact someone else, which makes the process smoother. The fact that bank deposits are clean and not batched makes auditing easier. I really appreciate Nickel's fast support times; whenever we have an issue, they fix it quickly. In the few cases where a transaction failed, they quickly found the fix and provided a list of the affected transactions so nothing was missed. I also use Nickel's API, which integrates well with Rootstock, an ERP software in the Salesforce ecosystem. **What do you dislike about Nickel?** No notes **What problems is Nickel solving and how is that benefiting you?** Nickel allows customers to pay instantly without needing contact, making bank deposits clean and aiding easy payment auditing. Their fast support resolves transaction issues quickly, ensuring nothing is missed. ### 41. Nickel Payments Makes AP/AR Effortless Across Multiple Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Paul K. | D, Mid-Market (51-1000 emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** I run over five different businesses and Nickel Payments has honestly made handling AP and AR way easier than it used to be. Having everything in one place instead of juggling different systems saves me a ton of time. I like the interface a ton better than others (Melio, Bill, etc.) It’s easy to use, reliable, and feels like it was built for actual business owners, not just finance folks. Payments go out without issues, money comes in faster, and I can see what’s going on across all my companies much better now. Nickel Payments is something we use every day and I trust it to keep things moving without me worrying about it all the time. It just works, which is hard to find these days. **What do you dislike about Nickel?** The only real downside for me is that payments are limited to ACH and credit cards. It would be nice to also have options like PayPal or Zelle, since some customers prefer using those. That said, it’s a pretty minor issue compared to how well everything else works. **What problems is Nickel solving and how is that benefiting you?** Nickel solves the problem of messy payment processes. Before using Nickel, AP and AR were spread across different tools, emails, and bank logins, which made it harder to track what was paid, what was pending, and what was overdue. Having everything centralized makes it so much easier in terms of reconciling accounts or double-checking transactions. It's a saving time and gives me confidence that money is moving correctly across multiple businesses without constant oversight. ### 42. Seamless Payment Collection with Room for Invoicing Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Brandon R. | Architect, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** March 30, 2026 **What do you like best about Nickel?** I really like that with Nickel, we get paid a lot faster as we're not waiting for checks to be mailed or worried about them getting lost in the mail. It's so convenient that our clients can simply click a link in the email we send out, and then the payment is made and deposited in a few days. The initial setup of Nickel was quite easy for us, and once our clients got used to it, it's been really seamless. **What do you dislike about Nickel?** We don't use the invoicing feature in Nickel mostly because we've had the same way of invoicing for a long time. Integrating our invoicing system into Nickel's invoicing system could help us track invoices better. It's not necessarily Nickel's fault. Could be more of our fault, but we could certainly modernize our system to work better with the invoice management that Nickel provides. **What problems is Nickel solving and how is that benefiting you?** I use Nickel to collect online payments, allowing clients to pay digitally and reducing costs compared to competitors. We get paid faster without worrying about checks being lost or delayed. ### 43. Seamless Invoicing and Payment Efficiency with Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Validated Reviewer:** This review contains authentic analysis and has been reviewed by our team **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** September 01, 2026 **What do you like best about Nickel?** I like the ease of Nickel's integration with QuickBooks. I can create invoices in QuickBooks, and they automatically appear in Nickel, ready to send to clients for payment collection. I also like the bank account option in Nickel that earns interest, which is a nice add-on. **What do you dislike about Nickel?** The Nickel balance, the bank account was not linked to the bank transactions in QuickBooks. I think that is something they have fixed or are working on fixing. **What problems is Nickel solving and how is that benefiting you?** Nickel allows me to collect payments without incurring fees, avoiding QuickBooks ACH fees, and lets customers pay credit card fees. I like the easy integration with QuickBooks, automatically populating invoices and helping with quick payments. ### 44. Streamlined Payments with Reliable Security **Rating:** 5.0/5.0 stars **Reviewed by:** Ayesha N. | Mid-Market (51-1000 emp.) **Validated Reviewer:** Validated through Google One Tap using a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** March 24, 2026 **What do you like best about Nickel?** I like how Nickel makes payment processing simple, efficient, and reliable. It's really straightforward for both businesses and their customers. I appreciate Nickel's commitment to innovation while maintaining a strong emphasis on trust and security. The ability to handle payments smoothly and ensure data protection and compliance is critical, and Nickel balances these exceptionally well. I also appreciate how Nickel positions itself as more than just a processor, but as a partner that helps businesses grow. The combination of technology, reliability, and a customer-centric approach is what makes Nickel appealing to me. Additionally, the setup was very easy, and my team was able to do it in less than a week. **What do you dislike about Nickel?** Greater transparency and simplicity in pricing would help build even more trust. Enhancing user experience, especially dashboards, reporting, and integrations, could make it more intuitive and efficient. From a user experience perspective, enhancing the dashboards with more customizable views, real-time data, and clearer visualizations would make it easier for users to quickly understand performance and cash flow. Improving reporting by allowing more flexible filters, export options, and automated scheduled reports would also add a lot of value. **What problems is Nickel solving and how is that benefiting you?** I use Nickel to generate payment links and receive payments. It's super quick and easy to use, providing the best customer experience with a simple feel and layout. It simplifies payment processing, making it efficient and reliable while ensuring data protection. ### 45. Cost-Effective Payment Processing with Easy Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User | Small-Business (50 or fewer emp.) This reviewer's identity has been verified by our review moderation team. They have asked not to show their name, job title, or picture. **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** June 03, 2026 **What do you like best about Nickel?** Nickel has been a great payment processing solution for our business. I love that it allows us to accept ACH payments with 0% processing fees, helping keep our costs down. It's straightforward to use, providing a helpful tool for managing payments more efficiently. The platform makes it easy to set up recurring invoices that sync with QBO, offering a two-way sync so invoices created in either place match incoming payouts, eliminating the need to manually figure out which customer invoices are still open. The transition from Helcim to Nickel was driven by its ease of use and better processing fees, and the initial setup was very easy. **What do you dislike about Nickel?** Payment authorization for clients that don't want to use Plaid. Currently, the only way to do payment authorization via ACH is through Plaid, and some clients don't want to do that, so they have to fill out a form that I have to upload, which increases the payout time by an additional day. **What problems is Nickel solving and how is that benefiting you?** Nickel helps us avoid transaction fees on ACH payments and offers an easy, professional way for clients to pay electronically. It syncs with QBO, simplifying invoice management and saving time by matching payouts with invoices for efficient payment handling. ### 46. Fantastic Setup, Easy to Use, with Instant Payment Notifications **Rating:** 5.0/5.0 stars **Reviewed by:** Christine P. | Controller, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 19, 2026 **What do you like best about Nickel?** Easy of use, instant payment notification emails, set up is fantastic **What do you dislike about Nickel?** Nothing so far - no complaints. Not sure **What problems is Nickel solving and how is that benefiting you?** Real time notification of payments, ability to send customers one link for both cc and ACH payment options ### 47. Easy to Use with Free ACH Payments and Helpful Onboarding **Rating:** 4.5/5.0 stars **Reviewed by:** Jasmine . | Treasurer, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through a business email account added to their profile **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 12, 2026 **What do you like best about Nickel?** Ease of use and free ACH payments. good support and onboarding process when had questions. **What do you dislike about Nickel?** Currently don't use with any integrations of any sort so not sure how that is. **What problems is Nickel solving and how is that benefiting you?** Able to pay our vendors in a more timely manner ### 48. Easy, Hassle-Free Customer Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Emily M. | Certified Medical Coder - Emergency Medicine, Small-Business (50 or fewer emp.) **Current User:** The reviewer uploaded a screenshot or submitted the review in-app verifying them as current user. **Validated Reviewer:** Validated through LinkedIn **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** August 12, 2026 **What do you like best about Nickel?** We love how easy it is to receive payments from our customers. **What do you dislike about Nickel?** We have been using Nickel for 2 years now and have no complaints. **What problems is Nickel solving and how is that benefiting you?** We have a Nickel link on all of our customer Invoices to make payment. ### 49. Effortless Invoicing and Bill Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Kati B. | operations manager, Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** May 06, 2026 **What do you like best about Nickel?** I really like Nickel for its ease of use, especially when it comes to adding new vendors and uploading new invoices. It's all really fast and easy to use, which is important to me because the less time I have to spend on these administrative tasks, the better. The initial setup of Nickel was also really easy. **What do you dislike about Nickel?** I don't like the sync feature with my QBO. I have to resync or reset it quite a bit. I just have to push sync. If it could automatically sync more often, that would be better. **What problems is Nickel solving and how is that benefiting you?** Nickel simplifies invoicing and bill payments, making it easy to manage AP and AR quickly and at low cost. It's fast and user-friendly, minimizing time spent on administrative tasks. ### 50. Affordable Payment Processing with Minor UI Challenges **Rating:** 5.0/5.0 stars **Reviewed by:** Luke Z. | Small-Business (50 or fewer emp.) **Validated Reviewer:** Validated through a business email account **Source: Organic:** Organic review. This review was written entirely without invitation or incentive from G2, a seller, or an affiliate. **Reviewed Date:** May 05, 2026 **What do you like best about Nickel?** I like that Nickel is very affordable, and their cost doesn't scale with the number of transactions we do, which is really nice as our company looks to grow. They were able to approve us to use their ACH platform after a number of other providers were not able to get us that approval. The customer service team was very good, helping us get set up in less than a week from start to finish. **What do you dislike about Nickel?** I've had some struggles keeping and maintaining the data inside of Nickel's user interface. There's a little bit of complexity with that user interface, but it's not a deal breaker. **What problems is Nickel solving and how is that benefiting you?** Nickel solved our problem of finding an automated recurring ACH payment processor at a super low cost. - [View Nickel pricing details and edition comparison](https://www.g2.com/products/nickel/reviews?section=pricing&secure%5Bexpires_at%5D=2026-09-18+05%3A00%3A35+-0500&secure%5Bsession_id%5D=1926d83a-447d-4cb1-8777-a5b8f54f45ae&secure%5Btoken%5D=7fdc868d60c7d8a7a4c10b3610f584aedff6d6e0a67391846381691586868032&format=llm_user) ## Nickel Features **Invoice Management** - Capture - Repository **Payment Processing** - Encryption - Credit Card Processing - Mobile Payments - Digital Wallet Integration - Debit/Credit Card Processing - Online Payments - Partial Payments - In-Person Payments - Digital Wallet Payments **Platform Basics** - Performance - Portal **Reporting** - Status - History - Sales Tax Management - Activity Dashboard - Customer Statements **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Invoice Processing** - Matching - Payments - Workflows - Recurring Payments **Administration** - Reporting & Analytics - E-commerce Integration - Processing Fees - POS Integration - Omnichannel - Levels 1 & 2 - Level 3 - Payment Gateway Integration - ACH Payment Processing - Cryptocurrency Processing **Platform Administration** - Integrations - Compliance - Reporting **Integrations** - Accounting - ERP - CPM **Analytics** - Due Dates - Benchmarking - KPIs **Payment Options** - Self Service Portal **Platform Payment Content** - Document management - Invoicing Tool **Transactions** - Credits - Invoices - Partial Payments **Integration** - Accounting - Payment Integration - ERP - ERP integration **Security** - POS Verification **Workflows** - Approvals - Bank Reconciliation **Platform** - Accounting integration - E-commerce Integration **Agentic AI - Accounts Receivable Automation** - Autonomous Task Execution **Additional Functionality** - Data Synchronization - Transaction Monitoring - Purchasing & Receiving - Contactless NFC - Offline Access - Electronic Signature - PCI Compliance - Credit Card Management - Fraud Detection - SSL Security - Mobile Access - Generative AI - Returns Management - Discount Management - Reminders - Barcode/Ticket Scanning - Reporting & Statistics - Recurring/Subscription Billing - Compliance Management - Transaction History - Mobile Card Reader - Sales Tax Management - Customer Database - Receipt Management - Customizable Branding - Invoice Management - Cash Management - Remote Access/Control - Multi-Location - Sales Trend Analysis - CRM - Gift Card Management - Sales Reports - AI Copilot - Multiple Payment Options - Loyalty Program - Status Tracking - Alerts/Notifications - Activity Dashboard - Expense Tracking - Data Security - Payment Links - API - Payment Fraud Prevention - Payment Reconciliation - Data Import/Export - Search/Filter - Real-Time Data - Billing & Invoicing **AI - Accounts Receivable** - Generative - Responses **Additional Functionality** - Reporting & Statistics - Customizable Reports - Generative AI - Expense Tracking - Data Import/Export - Real-Time Data - User Management - ACH Payment Processing - Invoice Processing - Billing & Invoicing - Alerts/Notifications - AI Copilot - Contact Database - Aging Tracking - Purchase Order Management - Audit Trail - Discount Management - General Ledger - Document Management - Receivables Ledger - Recurring/Subscription Billing - Multi-Currency - Workflow Management - Credit Card Processing - Task Management - Customizable Templates - Forecasting - Cash Flow Management - Self Service Portal - Reminders - Check Processing - Receipt Management - Overpayment Processing - Financial Management - Third-Party Integrations - Payment Collection - Approval Process Control - API - Profit/Loss Statement **Risk** - Analysis - Identification **Recovery** - Recoup - Reporting **Audit** - Filters - Post Audits - Overpayments - Duplicates **Fraud** - Vendor Checks - Data Generation - Monitoring **Agentic AI - AP Automation** - Autonomous Task Execution **Additional Functionality** - Data Import/Export - Invoice Management - Online Banking - 1099 Preparation - Generative AI - Receipt Management - AI Copilot - Fraud Detection - Duplicate Payment Alert - Document Management - Compliance Management - Inventory Management - Check Writing - Mobile Access - Audit Trail - Reporting/Analytics - Multi-Currency - Status Tracking - Activity Dashboard - Cash Management - Alerts/Notifications - Billing & Invoicing - Vendor Management - Anomaly Detection - API - ACH Payment Processing - Invoice Processing - Aging Tracking - Supplier Management - General Ledger - Expense Tracking - Bank Reconciliation - Workflow Management - Customizable Reports - Approval Process Control - Electronic Funds Transfer - Purchase Order Reconciliation - Financial Management - Workflow Automation ## Top Nickel Alternatives - [Melio](https://www.g2.com/products/melio/reviews) - 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