--- title: Nickel Reviews meta_title: 'Nickel Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 190 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: 190 scale: '5' date_modified: '2026-07-17' 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:** 190 ## 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 **What users like:** - Users find Nickel to be **extremely user-friendly** with quick customer service and seamless QuickBooks integration. (98 reviews) - Users appreciate the **easy and efficient ACH payments** of Nickel, enjoying fee-free service for their financial transactions. (80 reviews) - Users find the **easy setup** of Nickel quick and straightforward, enhancing their overall experience with the service. (53 reviews) - Users love Nickel for its **free ACH transfers** , simplifying payments and enhancing their financial processes effectively. (44 reviews) - Users praise the **responsive customer support** of Nickel, enhancing their experience with easy setup and efficient service. (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 express concerns over **missing features** like scheduling future payments and managing transaction limits effectively. (20 reviews) - Users face **invoicing problems** with delayed payment processing and lack of features, impacting convenience and efficiency. (15 reviews) - Users experience **delays in ACH payment processing** , impacting their ability to reliably coordinate transactions with vendors. (12 reviews) - Users express concern over **ACH payment delays** affecting timely deposits and causing scheduling difficulties with vendors. (10 reviews) - Users report **invoicing issues** with Nickel, lacking features like quick transfers and intuitive invoice management options. (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. Melio forced us to find an alternative - SO glad we landed with Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** March 12, 2025 **What do you like best about Nickel?** We were happy with our former payment portal, Melio, but they changed their pricing structure and instantly alienated us. After an extensive search, we settled on Nickel and couldn't be happier. Initially the platform wasn't an exact 1-to-1 replacement for Melio's functionality, but there are regular improvements and Ray is always excited to hear feedback on how Nickel can be improved. The core tier currently meets our needs, but the paid tiers offer some great advancements that we are considering utilizing in the future. The UI is easy to understand and navigate. The integration with QuickBooks Online is easy to set up, quick, and seamless. You can tell they take great pride in their platform and forming it to satisfy the needs of their users. I am excited to see what improvements are coming in the future! **What do you dislike about Nickel?** We primarily use ACH payments and there is some variance between how long it takes to complete. The platform says 2-3 business days, but we have seen anywhere between 2-5 days. I assume this isn't 100% in control of Nickel as there are multiple institutions involved. But if we could reliably tell our vendors when they will see their deposits hit their accounts, it would save us some headaches. This isn't a problem unique to Nickel though as we have seen it with other payment platforms as well. We break up some of our larger transactions into multiple payments because we are limited to $25k/transaction with our current tier. I would love to be able to submit this as a single transaction, and know we can do so at the higher tiers. We were glad to hear about the recently implemented batch transactions; however, its implementation of still paying each invoice separately didn't work well for our process as we need a single payment to go to each vendor if multiple invoices are paid in the batch. We get around this by creating a new invoice with the total amount we want to pay and put the invoice numbers in the note so our vendor knows how to process the remittance. It would be great if Nickel supported this without us having to go thru the additional steps. Nickel doesn't take into account any open credits on a vendors so without some double checking, it would be easy to overpay with that actual open balance is. **What problems is Nickel solving and how is that benefiting you?** Easily submit ACH payments to our vendors and 1099 contractors. Occasionally receiving payments from our customers. The Quickbooks Online integration is a must! ### 2. Effortless Payment Collection with Zero Fees **Rating:** 5.0/5.0 stars **Reviewed by:** Ryan S. | Sales Development Representative **Reviewed Date:** November 30, 2025 **What do you like best about Nickel?** I collect payments using Nickel, and I greatly appreciate that I can collect ACH payments with no fee, which is a huge benefit for us. I find the software easy to use, and I love that clients have the flexibility to pay with either ACH or a credit card. The simplicity of the software is appealing, and it has a nice, clean interface. The initial setup was simple, which adds to the overall positive experience. Given these benefits, I am highly likely to recommend Nickel to others, rating it a 10 on a recommendation scale. **What do you dislike about Nickel?** I find that Nickel is in its infancy and lacks some features. However, I don't mind that too much since I only use it for simple things. Additionally, I would like to have the option to use a client's phone number to send an invoice instead of needing an email. **What problems is Nickel solving and how is that benefiting you?** I collect payments easily with Nickel as it allows ACH payments without fees, is simple to use, looks nice, and provides clients flexibility to pay with ACH or credit card. ### 3. User-Friendly, Efficient, and Smooth Integrations with Fast Support **Rating:** 5.0/5.0 stars **Reviewed by:** Rola G. | Accountant Specialist, Mid-Market (51-1000 emp.) **Reviewed Date:** May 08, 2026 **What do you like best about Nickel?** Its user friendly, efficient, integrations are working smoothly and the support answers all of the issues quickly **What do you dislike about Nickel?** There’s really nothing I like about working on Nickel. **What problems is Nickel solving and how is that benefiting you?** Fast payments, fees are lower than other competitors ### 4. Seamless Integration with QuickBooks, Cost-Effective Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Ryan H. | Board President / Co-Founder **Reviewed Date:** November 26, 2025 **What do you like best about Nickel?** I love Nickel's simplicity and its tight integration with QuickBooks Online, which makes it incredibly easy to use. The setup was remarkably quick, and we had it up and running in less than an hour. The product allows for automatic synchronization between the two platforms, ensuring seamless operation. Additionally, Nickel provides significant flexibility in processing credit cards, enabling us to let customers absorb fees or have the option to cover them ourselves if necessary. This flexibility was crucial for our business needs and previously hard to manage with QuickBooks alone. Moreover, I appreciate that Nickel offers ACH transactions at zero fees, unlike QuickBooks, which charges for this service. It's been a fantastic experience overall, and I highly recommend Nickel to anyone, as evidenced by my score of ten on the recommendation scale and having already recommended it multiple times. **What do you dislike about Nickel?** We have not had an issues **What problems is Nickel solving and how is that benefiting you?** I find Nickel reduces payment costs by letting customers handle credit card fees, offers flexibility in managing these fees, and provides fee-free ACH transfers unlike QuickBooks. Its simple integration with QuickBooks Online enables quick setup and seamless synchronization. ### 5. Cost-Effective and Seamlessly Integrated Payment Solution **Rating:** 4.5/5.0 stars **Reviewed by:** Tomo K. **Reviewed Date:** November 26, 2025 **What do you like best about Nickel?** I love that Nickel offers free ACH transactions, which is a huge benefit for us compared to other services. It's wonderful to not have to worry about fees like we did with our previous service, QuickBooks Online. I appreciate how easy it is to send a payment by simply copying the URL, making the process so much more convenient and efficient for our team. Additionally, Nickel's ability to sync smoothly with QuickBooks Online helps us maintain seamless operations and ensures our workflows are uninterrupted. The initial setup of Nickel was incredibly easy, without any complicated steps, making the transition swift and pain-free. **What do you dislike about Nickel?** There are some aspects of Nickel that are less favorable despite the positive features. Firstly, the payment hold time is somewhat long. It's manageable, especially when compared to other services, but still, it could be improved upon. Secondly, the inability for clients to download invoices before the payment is made is inconvenient. This feature should be available prior to completing the transaction to facilitate better planning and record-keeping for clients. **What problems is Nickel solving and how is that benefiting you?** I use Nickel for receiving client payments, enjoying free ACH transactions, easy payment URL sharing, and integration with QuickBooks. ### 6. Top-Notch Performance, Pricing, and Support with Smooth Integrations **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Farming | Small-Business (50 or fewer emp.) **Reviewed Date:** April 28, 2026 **What do you like best about Nickel?** The integrations and user interface work really well. Performance and pricing are top-notch. I’ve used the chat support multiple times, and I’ve always gotten the help I needed. **What do you dislike about Nickel?** Sometimes the QuickBooks integration doesn’t work very well, although it could be user error on my end. I also haven’t tried the AI features yet. **What problems is Nickel solving and how is that benefiting you?** Being able to pay bills online via ACH or check has really eased the process and made it much simpler overall. ### 7. Seamless, Cost-Effective Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Hannah B. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 13, 2026 **What do you like best about Nickel?** I use Nickel as a payment option for clients because Nickel doesn't charge an ACH or credit card fee, which has made both our and our customers' lives easier and cheaper. It doesn't charge hidden fees like QuickBooks, and it links to any invoice created in QuickBooks seamlessly. It's super easy to use and the initial setup was easy. **What do you dislike about Nickel?** Nothing I can think of. **What problems is Nickel solving and how is that benefiting you?** n/a ### 8. Simple and reliable payment platform with amazing support **Rating:** 4.5/5.0 stars **Reviewed by:** Marc S. | President, Construction, Small-Business (50 or fewer emp.) **Reviewed Date:** November 05, 2025 **What do you like best about Nickel?** Simple and reliable payment platform with amazing support **What do you dislike about Nickel?** Honestly, there was really nothing to dislike especially since they did some slight tweaks to make it fit our workflow perfectly **What problems is Nickel solving and how is that benefiting you?** I really like how easy Nickel is to use. The interface is intuitive, and clients love being able to pay us using the QR code feature, which feels familiar to them since it works like Venmo, Zelle, or PayPal. The support team has been outstanding. When the standard output to QuickBooks didn’t work with our setup, they went above and beyond to write custom code behind the scenes to make it work perfectly. That level of service and flexibility is rare, and it has made our experience with Nickel excellent overall. ### 9. Reliable, Free, and Secures ACH Transactions **Rating:** 5.0/5.0 stars **Reviewed by:** Val S. **Reviewed Date:** December 01, 2025 **What do you like best about Nickel?** I appreciate Nickel's ACH transactionability, which gives me a reliable way of sending and receiving money. The service being free is even more important to me, as it delivers high value without any financial burden. I find it remarkable that no other service provides the same level of service that Nickel does, making it a standout choice for my payment needs. Additionally, the initial setup of Nickel was very easy, which streamlined my transition to using it for managing payments. **What do you dislike about Nickel?** I find the absence of the ability to schedule payments and the lack of recurring payments functionality limiting. These features are essential for streamlining financial management, and their absence makes the service less convenient for handling regular or future transactions. **What problems is Nickel solving and how is that benefiting you?** I use Nickel to solve unreliable and insecure payments via checks, benefiting from ACH transactionability and free service, unmatched by others. ### 10. Effortless Rent Payments, No Fees **Rating:** 4.5/5.0 stars **Reviewed by:** Sophia M. **Reviewed Date:** November 10, 2025 **What do you like best about Nickel?** I really appreciate that Nickel does not charge us anything to receive ACH payments online, making it cost-effective for our rental transactions. The ability to receive these rent payments for free is a significant advantage. Additionally, setting up the service was both easy and quick, facilitating a seamless start for our operations. Sending payment links to tenants is straightforward, adding to the overall ease of use. The customer service support during the initial setup was also helpful, ensuring that everything was up and running smoothly. This combination of free payment processing, user-friendly setup, and helpful customer support makes Nickel an excellent choice for managing rent payments efficiently. **What do you dislike about Nickel?** I think it would be beneficial to have a lower rate premium subscription option for businesses that do not use the features very often. **What problems is Nickel solving and how is that benefiting you?** I use Nickel to receive rent payments seamlessly. It allows receiving ACH payments for free, providing a cost-effective solution, and is easy to set up, improving tenant payment processes, unlike Zelle, which had issues with transaction completion. ### 11. Effortless Payment Integration with Nickel **Rating:** 4.5/5.0 stars **Reviewed by:** Raquel R. | Project Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** November 10, 2025 **What do you like best about Nickel?** I love how Nickel integrates seamlessly into our Airtable software, allowing us to customize it according to our needs and link it to all necessary information when receiving payments. This ease of integration is invaluable as it feels tailor-made for our system, unlike other platforms like Stripe, which required us to start from scratch. Nickel also empowers our clients by providing them with the option to choose how they submit their payments, making the process more user-friendly. The platform offers us the ability to send payment links that are already linked to accounts, ensuring our clients can access all information needed effortlessly. Cost-effectiveness, along with the convenience of integrating into our current software, was another key reason for choosing Nickel. The initial setup was smooth, thanks to the ability to directly customize it and communicate with the founders to meet our specific requirements. **What do you dislike about Nickel?** I think the dashboards could use some help. Although many features are available, the ease of use for the main features is lacking. I often find it challenging to use the general search feature to look for past transactions, which would be really helpful to have. **What problems is Nickel solving and how is that benefiting you?** Nickel simplifies payment processing by allowing clients to submit payments independently and integrates seamlessly with Airtable, reducing manual data entry. It offers customization, cost-effectiveness, and convenience over alternatives, enhancing our payment management efficiency. ### 12. Nickel: Affordable, Effortless Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Ruby L. **Reviewed Date:** November 13, 2025 **What do you like best about Nickel?** I really appreciate the service Nickel provides for payment processing. Compared to using QuickBooks, I find it refreshing that Nickel doesn't penalize customers or businesses with constant fees when paying online, especially through bank accounts. This is significant for someone like me, running a smaller operation. The features Nickel offers, such as automated reminders, a professional personalized payment portal, and diverse integration options, are particularly advantageous and add significant value. These functionalities enhance the experience and efficiency of managing payments. I have already recommended Nickel to others and anticipate continuing to advocate for it in the future. Another positive aspect of this service was how easy the initial setup process was, making the transition smooth and hassle-free. **What do you dislike about Nickel?** I have no dislikes at this time **What problems is Nickel solving and how is that benefiting you?** I find Nickel facilitates online payment acceptance without penalizing small businesses with excessive fees, offering automated reminders, a personalized payment portal, and integration options. ### 13. Ideal Payment Solution for Small Businesses **Rating:** 4.5/5.0 stars **Reviewed by:** Nathan S. **Reviewed Date:** November 13, 2025 **What do you like best about Nickel?** I absolutely appreciate Nickel as a great website and payment processor for small businesses; it's perfect for our needs. One of the standout features is its ease of use, which greatly simplifies the payment processing tasks we need to handle daily. Nickel offers an intuitive experience that caters well to our small business requirements without complications or challenges. The initial setup was notably easy, which meant we could seamlessly transition without any hitches. Cost-effectiveness was another significant factor, as the transition from Stripe to Nickel provided us with a more budget-friendly solution, which is crucial for our small business operations. Overall, these aspects significantly enhance our satisfaction with Nickel, making it a highly recommended tool in our operations. **What do you dislike about Nickel?** I find the phone app for both iOS and Android lacking. **What problems is Nickel solving and how is that benefiting you?** I find Nickel is an excellent payment processor for small businesses due to its ease of use and cost-effectiveness. ### 14. Fast, Clean, and Easy Payment Workflow **Rating:** 4.0/5.0 stars **Reviewed by:** Shawn M. | Project Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** December 01, 2025 **What do you like best about Nickel?** What I like about Nickel is how easy it is to navigate and how intuitive the web interface feels. It takes almost no time to find what I need, and the layout makes the whole process straightforward. I also appreciate how fast and simple the payment workflow is. Sending invoices, getting payments from clients, and seeing everything update has been smooth and efficient, which saves us time and keeps our operations moving. **What do you dislike about Nickel?** I have not yet encountered any serious problems with Nickel **What problems is Nickel solving and how is that benefiting you?** Nickel has helped streamline our client payment workflow, making it easier to manage payments without delays or extra steps. ### 15. Effortless Setup and Free ACH Bring Value **Rating:** 5.0/5.0 stars **Reviewed by:** Mariana H. **Reviewed Date:** November 04, 2025 **What do you like best about Nickel?** I have found Nickel to be incredibly easy to use, particularly when it comes to setting it up initially, which was super simple. This ease of use extends to its platform which is straightforward and allows me to quickly figure things out, meeting all my business needs without charging me anything. I'm especially grateful for the free ACH and the platform’s flexibility to let us pass on credit card fees to the customer, which fits perfectly with how I need to run my wedding venue business financially. I really like the effortless process of creating invoices, and it’s reassuring to receive emails when payments are made and processed. Nickel has made starting my business hassle-free because it performs exactly what I need, promptly addressing the immediate demands of people wanting to book weddings without adding financial burden. Overall, its efficiency and the fact that it’s free make it an essential tool for my business. **What do you dislike about Nickel?** For my wedding venue business, we often require multiple payments, such as a second and third installment after the initial payment. Currently, there's no way to set up these subsequent payments automatically, with different amounts or scheduled future dates. This missing feature adds manual work and complexity to manage client payments over time. **What problems is Nickel solving and how is that benefiting you?** Nickel provides a simple, easy-to-use platform with free ACH and the ability to pass credit card fees onto customers, which helps me manage wedding bookings efficiently without incurring extra costs. ### 16. Seamless Invoicing Made Simple with Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Nina S. **Reviewed Date:** November 12, 2025 **What do you like best about Nickel?** I really appreciate Nickel for its simplicity and ease of use, especially when it comes to managing client payments. I love how straightforward the format is, which makes it incredibly user-friendly both for myself and the clients I work with. One of the standout features that I find invaluable is the ability to provide clients with a direct link for credit card payments. This feature streamlines the payment process, ensuring that clients can make their payments with little hassle. Additionally, I found the setup process to be fairly easy, which is always a huge plus when integrating a new system into our workflow. Overall, my positive experience with Nickel is why I rate it a perfect 10 in terms of recommending it to others. **What do you dislike about Nickel?** n/a **What problems is Nickel solving and how is that benefiting you?** I use Nickel to submit invoices, making it easy for clients to pay, enhancing ease for both them and me. ### 17. Seamless Payment Integration with Great Value **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** I find Nickel to be great and easy to use. It's essentially free for processing payment transactions, which is a big plus. The system's simplicity means there's not much you have to do once you've created an account. It automatically pulls everything from QuickBooks almost instantly, which saves me a lot of time. I enjoy creating invoices in Nickel and QuickBooks, then just copying the payment link and including it in emails. This process has been seamless for me. I also appreciate the ease of use, as I was able to get going without any orientation, picking it up within an hour. My customers also find it very easy to use, making my interactions with them smoother. **What do you dislike about Nickel?** The only thing that I noticed that is kind of a pain is that the payments take a while to show up in our bank account, but that would all go away if we just paid for a plan. Right now, we're just doing the free plan. **What problems is Nickel solving and how is that benefiting you?** Nickel eliminates the high transaction charges we faced with QuickBooks. It's simple and easy to use, automatically integrating with QuickBooks almost instantly. I quickly create invoices and include a seamless payment link, making the whole process efficient. ### 18. Effortless ACH Payments Without Hassle or Fees **Rating:** 5.0/5.0 stars **Reviewed by:** Nick M. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** November 10, 2025 **What do you like best about Nickel?** No need to have customers verify their bank accounts or use microdeposits like on Stripe. My customers hated that about stripe. And Nickle is free for ACH. very easy to implement, and change the branding so it shows my company name instead of my personal name on their bank statements for clients. incredible easy to use. **What do you dislike about Nickel?** The notifications were alot but then i easily turned them off **What problems is Nickel solving and how is that benefiting you?** I needed an easy way to accept ACH from clients. I have to pay 3% on CC in my state, which at my avg ticket size is a large percentage of my profits. An easy ACH solution saves me thousands. ### 19. Cost-Saving and Efficient Payment Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Kyle C. **Reviewed Date:** October 28, 2025 **What do you like best about Nickel?** I love using Nickel because it allows me to process ACH bank transfers without any charges, which is a huge savings compared to my previous solution, Quickbooks Self-employed, where the fees were taking a percentage from my earnings. I appreciate that Nickel automatically adds a 3% processing fee for credit card payments. This has vastly simplified my invoicing process by eliminating the need for manual adjustments and saving me time and effort. The intuitive and straightforward interface keeps things simple and avoids confusion, which is another aspect I greatly value. I also admire the ease with which I can keep track of all past transactions and include my branding in the invoices, maintaining a professional appearance for my business. The setup was remarkably straightforward and quick, allowing me to be up and running in less than 30 minutes. Moreover, the service's value is enhanced by the lack of any subscription requirement and the continued offering of free ACH bank transfers, making it a financially viable solution for my business. The pass-through of credit card processing fees to clients offers transparency and provides them with options, which has improved client interactions by reducing unnecessary payment discussions. Nickel's ability to handle business-to-customer ACH payments without cost is particularly beneficial, as it aligns perfectly with my business model and helps me maintain profitability. **What do you dislike about Nickel?** Oh, it could really use an iOS app. Currently, I use a web app instead for my iPhone. It doesn't display well on my phone. So I have to mostly use it on my laptop. That's my biggest complaint. **What problems is Nickel solving and how is that benefiting you?** I use Nickel to process free ACH bank transfers and pass credit card fees to customers, thereby saving money and time. It simplifies invoicing, offers clear customer options, and enhances my workflow by eliminating manual fee additions. ### 20. Effortless Payment Processing with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Desert M. **Reviewed Date:** October 28, 2025 **What do you like best about Nickel?** I find Nickel particularly remarkable for its ease of setup. It's the simplest setup I've ever experienced with any payment processor—no extensive paperwork, interviews, or credit checks involved. I just selected a few preferences, added our bank account information, and uploaded a logo, which speaks to its user-friendliness. Nickel stands out for its financial policies too, with no fees for ACH payments—a significant benefit for our business. Moreover, the ability to pass credit card fees directly to customers without unnecessary hurdles is incredibly beneficial. I enjoy the flexibility Nickel offers, such as sending invoices or providing a payment portal link to customers. The customization of credit card fee rates is another valuable feature, allowing us to split costs with customers if desired. Notifications for payments and deposits keep me informed, streamlining our financial processes. The customer support is stellar; responses are prompt and helpful, with a chat feature that avoids hours of holding on the phone. The clean UI makes the platform easy to navigate, enhancing overall satisfaction with its usability and support. **What do you dislike about Nickel?** I find the turnaround time between customer payment and when the money actually hits our account could be better. It's a bit longer than usual, which can be inconvenient. I'd also like the ability to move payments from one invoice to another, a feature we've wanted several times. Additionally, we've encountered an issue where a payment was reversed quite a while after it was initiated by the customer due to account name and number not matching, which could have created problems if the customer hadn't been proactive in resolving it. Finally, noting a partial payment from a source other than Nickel would be a helpful feature that's currently missing. **What problems is Nickel solving and how is that benefiting you?** I use Nickel to process payments without fees for ACH and easily pass credit card fees to customers. It simplifies invoicing with payment links, offers customizable fee rates, and sends payment notifications, all with excellent support and an intuitive UI. ### 21. Streamlines Accounts Payable and Receivable, Saving Us Time **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** May 07, 2026 **What do you like best about Nickel?** Save time by streamlining accounts payable and receivable **What do you dislike about Nickel?** There is a little bit of a a learning curve to figuring out the best workflow for integrating with Quickbooks **What problems is Nickel solving and how is that benefiting you?** I am saving money on accepting ACH payments from clients. I am saving time by making ACH payments to vendors for monthly bills instead of writing paper checks. ### 22. Cost-Effective Invoicing with Easy Setup **Rating:** 5.0/5.0 stars **Reviewed by:** Karen J. **Reviewed Date:** October 28, 2025 **What do you like best about Nickel?** I have been using Nickel since June primarily for invoicing my interior design clients, and I found it through a Google search when I was looking for a more cost-effective solution after QuickBooks pricing almost doubled per transaction. Setting up Nickel was straightforward; the process involved answering questions that were easy to find, such as bank account information, and nothing was too technical or difficult. Although it took a couple of tries to figure out email notifications for payments, I was able to resolve it quickly. One of the biggest benefits of using Nickel is that it eliminates the need for paying numerous transaction fees that I faced with QuickBooks. With Nickel, I saved about $1300 a year since it offers the same services without any charges. Additionally, I find sending out ACH requests through Nickel particularly useful, as it matches nearly all the functionalities I used to get from QuickBooks. While Nickel is free and easy to use, allowing money to go straight to the bank efficiently, the cost advantage is the main reason I chose to use it. The platform is simple, efficient, and incredibly advantageous in terms of cost savings, earning it a recommendation rating of 10 out of 10 from me. **What do you dislike about Nickel?** Sometimes I find it hard to locate an invoice I am looking for. I think it is user error though and I need to figure out a better way to label my invoices so that I can tell which one is for who besides just looking at amounts. **What problems is Nickel solving and how is that benefiting you?** I use Nickel to save on transaction fees for invoicing clients, reducing expenses by about $1300 annually. It's free, easy to use, and efficiently manages payments directly to the bank. ### 23. No Limits, No Hidden Fees—Great UI and Fast Support **Rating:** 5.0/5.0 stars **Reviewed by:** Youstina G. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 08, 2026 **What do you like best about Nickel?** No payments limits, no hidden fees, great UI and fast support! **What do you dislike about Nickel?** It is working so well for us so far, we have been using it for 5 months. **What problems is Nickel solving and how is that benefiting you?** It has a good API that we can use through our system directly to create invoices and send payment links. It was very easy to set up. ### 24. Straightforward and Hassle-Free, with Truly Helpful Staff **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Media Production | Small-Business (50 or fewer emp.) **Reviewed Date:** January 26, 2026 **What do you like best about Nickel?** It's very straight forward without second guessing. It does what it needs to do without the hassle. Plus, the service from staff have been great and always helpful. **What do you dislike about Nickel?** I believe you were able to just enter your bank info to make ACH payment but it seems like the clients' have to log into their banking which is a turn-off. **What problems is Nickel solving and how is that benefiting you?** It makes easier to get paid from clients and as a small business having no fees when receiving payments is a HUGE plus. I also love the fact that you can choose to charge the credit card fee and also adjust it as you go. ### 25. Intuitive Invoicing with Easy Payment Controls **Rating:** 5.0/5.0 stars **Reviewed by:** Richard P. **Reviewed Date:** December 11, 2025 **What do you like best about Nickel?** I appreciate Nickel's quality invoicing system that is easy for my customers to use. I like its intuitive interface, which I found easy to learn, resulting in minimal calls from clients having issues. I also value the ability to disable credit card payments, as I only take ACH payments. Additionally, the option to disable partial payments is crucial for my setup. **What do you dislike about Nickel?** I would like to see a consolidated report of transfers that have been made to my bank account, so that I don't have to drill down into each invoice to see if the payment has been completed. **What problems is Nickel solving and how is that benefiting you?** I use Nickel for an easy-to-use invoicing system with an intuitive interface. It allows me to restrict payments to ACH only and disable partial payments, reducing client issues. ### 26. Efficiency at Zero Cost for Nonprofits **Rating:** 5.0/5.0 stars **Reviewed by:** Jamie T. **Reviewed Date:** October 23, 2025 **What do you like best about Nickel?** I absolutely appreciate the way Nickel allows me to pay my employees at no extra cost, which is a huge benefit for our small nonprofit that cannot afford expensive ACH services. The setup process was very easy and intuitive, making it simple to get started quickly. I find the bill payment feature incredibly useful as it significantly reduces the time it takes to process payments. What used to take an hour can now be done in less than 10 minutes, and it also saves me the $3 per payment that I used to spend with my bank's external transfer feature. The ease of use and functionality of Nickel are exceptional and make it a reliable tool for handling employee payroll. Overall, I am extremely satisfied with Nickel and would not change anything about it. **What do you dislike about Nickel?** There is nothing I don't like about Nickel! **What problems is Nickel solving and how is that benefiting you?** Nickel allows me to pay employees quickly and at no cost, replacing tedious paper checks and saving me hours and fees on each transaction. ### 27. Effortless Payment Processing with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User | Small-Business (50 or fewer emp.) **Reviewed Date:** June 16, 2026 **What do you like best about Nickel?** I really like the ease of use with Nickel, and things have been going great since we started using it for payment processing. The initial setup was super easy, and their customer support is great too. **What do you dislike about Nickel?** nothing, no complaints! **What problems is Nickel solving and how is that benefiting you?** I use Nickel for receiving payments and charging customers. It's super easy to use, and since using it for payment processing, things are going great. There's nothing I don't like about it. ### 28. Nickel: User-friendly, Free, and Construction-Specific **Rating:** 4.5/5.0 stars **Reviewed by:** Hailey Y. | Founder **Reviewed Date:** October 22, 2025 **What do you like best about Nickel?** I truly appreciate that Nickel provides a fee-free service, which is particularly advantageous for handling finances without incurring extra costs. Its specificity to the construction industry enhances its relevance and utility, making it an ideal choice for my accounting firm serving construction clients. The platform simplifies invoicing and payments, allowing me to effortlessly create invoices and receive payments even in the absence of financial software like QuickBooks. I love its integration with QuickBooks, as it enables seamless synchronization, ensuring invoices show up almost immediately in the system. The use of Nickel payment links instead of QuickBooks payment links eliminates additional fees, providing a cost-effective solution. Automatic payment reminders sent through Nickel are incredibly beneficial, ensuring timely customer payments. Additionally, managing subcontractor and vendor payments has been vastly simplified. Nickel's intuitive and user-friendly interface makes it easy for clients and other users to execute transactions smoothly. Furthermore, the swift population of bills from QuickBooks into Nickel highlights its efficacy and time-saving attributes, ensuring tasks are conducted efficiently. **What do you dislike about Nickel?** I find it annoying that you can't have multiple logins to Nickel if you have multiple businesses on Nickel, which complicates managing multiple clients at my accounting firm. The work around I've been given is to use our email "+" some identifier and then our domain name ie: jane+company1@domain.com. It's worked in the sense that it allows someone access to multiple businesses on Nickel but it's really annoying. I'm also frustrated by the inability to control what other users I add to my Nickel profile can see. If I add employees to my firm's Nickel account that is the admin for all our client's Nickel accounts, they have access to all my firms' internal invoices and bills, not just those related to specific clients. That means anyone can see your internal invoices and bills. **What problems is Nickel solving and how is that benefiting you?** I find Nickel enables easy invoicing and payments without fees, integrates with QuickBooks for seamless workflows, and simplifies client payments and vendor payouts, making my accounting processes efficient and cost-effective. ### 29. Efficient, Cost-Effective Payroll with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Chris M. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** October 16, 2025 **What do you like best about Nickel?** I love Nickel's simplicity, making it incredibly easy to log in and manage employee payments efficiently. Its low-cost operations save me money compared to traditional banking. The two-factor authentication secures my transactions and the helpful support team enhances my experience. I also appreciate the ease of adding new employees without any limits, streamlining my payroll process. **What do you dislike about Nickel?** I find the lack of a mobile app problematic as it restricts my ability to conveniently access and manage payroll on my phone. This limitation can be quite inconvenient for managing tasks on the go. Additionally, there are security-related concerns that need addressing, which might be why the mobile app is not yet available. I would also appreciate the ability to add multiple accounts, as this would enhance flexibility, allowing me to pay employees from different accounts depending on the needs of the business. **What problems is Nickel solving and how is that benefiting you?** I find Nickel makes paying my 25 employees easy and cost-effective, allowing me to log in, pay quickly, and add employees without limits, saving costs versus banks. ### 30. Easy to setup Easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Legal Services | Small-Business (50 or fewer emp.) **Reviewed Date:** March 13, 2026 **What do you like best about Nickel?** The think we like most about Nickel is how well it works with QBO. The support is great and has assisted us with any issues that have come up. We tried many other payment processors and Nickel has been the easiest to use and offered fantastic pricing. We've been very happy since switching over. **What do you dislike about Nickel?** Nothing. It's been great. No complaints. **What problems is Nickel solving and how is that benefiting you?** Nickel makes it easy for our customers to pay us via credit card or bank transfer. ### 31. Cost-Effective ACH Transfers Made Easy **Rating:** 5.0/5.0 stars **Reviewed by:** Matt B. | Founder & CEO **Reviewed Date:** October 24, 2025 **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. ### 32. Easy to Use, Fast, Versatile, and Syncs Smoothly with QuickBooks **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** May 29, 2026 **What do you like best about Nickel?** Very easy to get started with and use. It syncs really well with QuickBooks and feels very versatile overall. **What do you dislike about Nickel?** I wish there were a POS system available for the store in person. **What problems is Nickel solving and how is that benefiting you?** Getting payments from ACH quickly. ### 33. Boosts Cash Flow Efficiency Effortlessly **Rating:** 5.0/5.0 stars **Reviewed by:** Tim W. **Reviewed Date:** January 20, 2026 **What do you like best about Nickel?** I like how Nickel improves our company's cash flow efficiency and reduces the administrative burden. The payments are faster, and visibility is improved, making the overall customer experience smoother. Setting up Nickel was very easy and intuitive. **What do you dislike about Nickel?** I find the templated follow-ups to customers not very effective. They seem to just default to the invoice number, and I would prefer to have a standard message attached to each follow-up. **What problems is Nickel solving and how is that benefiting you?** Nickel helps reduce collection costs and manual follow-up on invoices, improving our cash flow efficiency and reducing the administrative burden, making payments faster, improving visibility, and creating a smoother customer experience. ### 34. Simple and efficient way to get paid via ACH invoice **Rating:** 5.0/5.0 stars **Reviewed by:** Daniel F. | Salesperson / Team Leader, Small-Business (50 or fewer emp.) **Reviewed Date:** September 12, 2025 **What do you like best about Nickel?** I have been using Nickel to send invoices for our services and it has been very easy to use. Customers pay their invoices easily without help from us. It's one of the few aspects of our transactions that never seems to require any intervention on our end for the user to complete. **What do you dislike about Nickel?** It's not 100% free but nothing good in this world is free, right? In this case instead of a per-transaction fee of $1+ there is a monthly fee. You can do the math to determine if you send enough invoices per month to make it worth it. For us, it is. **What problems is Nickel solving and how is that benefiting you?** Previously all payments would need to be a physical check or a wire transfer. Now we use ACH via Nickel invoices. ### 35. Reliable, User-Friendly System with Noticeable Savings and Great Support **Rating:** 4.5/5.0 stars **Reviewed by:** Emma C. | Bookkeeper, Small-Business (50 or fewer emp.) **Reviewed Date:** October 22, 2025 **What do you like best about Nickel?** Their system is reliable, easy to use, and their team has been professional and responsive every step of the way. We’ve definitely seen noticeable savings on our credit card processing fees and ACH transfers compared to our previous provider. The platform is both secure and user-friendly. It's clear they genuinely care about helping businesses keep more of what they earn. **What do you dislike about Nickel?** I’m disappointed that certain features available in QuickBooks invoicing don’t carry over from the Nickel system. For example, I miss being able to see when an invoice email has been opened and viewed. **What problems is Nickel solving and how is that benefiting you?** It has helped us reduce our ACH and credit card fees. ### 36. Easy to Use and Simplifies Processing **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** May 21, 2026 **What do you like best about Nickel?** It makes invoicing much more seamless by allowing and calculating credit card fees **What do you dislike about Nickel?** The search feature could be in a better location so you don't need to click for it **What problems is Nickel solving and how is that benefiting you?** The need to individually adjust invoice fees ### 37. Easy-to-Use Invoicing with Seamless QBO Sync and Free ACH Payments **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** April 30, 2026 **What do you like best about Nickel?** Easy to use. Syncs with QBO. No fee for ACH payments. Easy for my clients to pay their invoices. **What do you dislike about Nickel?** No real downsides honestly. It's worked perfectly for me so far. **What problems is Nickel solving and how is that benefiting you?** Easy for clients to make payments on my invoices and it syncs quite well with Quickbooks Online. ### 38. Worth more than a Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Brian D. W. | Managing Member, Small-Business (50 or fewer emp.) **Reviewed Date:** August 22, 2025 **What do you like best about Nickel?** Nickel is an easy, straightforward ACH/check payment system. I use it for paying all of my vendors and contract employees. The best part about Nickel is that it doesn’t try to be more than it needs to be—there are no unnecessary bells and whistles. It’s just a clean, simple payment system that lets me get in, process payments, and move on quickly. On top of that, implementation was painless; it only took me about an hour to set up and start using. **What do you dislike about Nickel?** I use the Plus version, and I thought the ACH payments would be 1 day, but they are 2. It was easy to work around, just took me off guard. **What problems is Nickel solving and how is that benefiting you?** I can process my contractor payments in less than an hour, versus QB or my bank which took far longer. ### 39. Nickel Saves Hours Weekly with Seamless QuickBooks Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Alex B. | Small-Business (50 or fewer emp.) **Reviewed Date:** January 19, 2026 **What do you like best about Nickel?** Nickel has saved me hours a week processing payments alone. The integration with QuickBooks is seamless and we are projected to save a ton of money on processing fees with Nickel vs. QuickBooks. **What do you dislike about Nickel?** Very few downsides. The navigation takes a minute to get used to, and the display defaults aren't ideal but this is a really minor nit to pick and easy to adjust. **What problems is Nickel solving and how is that benefiting you?** Nickel helps me pay bills much faster than my prior workflow. My initial interest in Nickel was to save on QBO processing fees, but it does so much more than that. ### 40. No-Fee Solution with Robust Support **Rating:** 5.0/5.0 stars **Reviewed by:** Ryan D. | Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2026 **What do you like best about Nickel?** I really like that Nickel charges no fees, which was a big improvement from my previous software where fees were high. The support team is also good, which adds to my positive experience. Additionally, the setup was easy, making the transition smooth. **What do you dislike about Nickel?** I think Nickel could benefit from faster transfer speeds and higher limits. **What problems is Nickel solving and how is that benefiting you?** Nickel is quick, has no fees, and offers good support for handling invoices in my business. ### 41. No ACH Fees and Fast Payment Processing with Nickel **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consumer Goods | Small-Business (50 or fewer emp.) **Reviewed Date:** May 27, 2026 **What do you like best about Nickel?** No ACH fees and quick payment processing **What do you dislike about Nickel?** As of now we aren't running into any issues with Nickel. **What problems is Nickel solving and how is that benefiting you?** Collecting payments more seamlessly instead of having to chase down clients ### 42. Unmatched Service for Nonprofits, Effortless Setup **Rating:** 5.0/5.0 stars **Reviewed by:** Nicolas D. **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** I love the ease of Nickel's platform. I love how reliable it is, and I especially love how fast to respond and generally great their customer service has been! **What do you dislike about Nickel?** I can't really think of any. My only concern would be that they get away from having a free option for small businesses like mine and for nonprofit organizations, especially. **What problems is Nickel solving and how is that benefiting you?** Nickel saves us a ton of time and alleviates financial worries with their free service level and exceptional customer support. I love the ease and reliability of the platform. ### 43. Nickel has been a tremendous asset for my business! **Rating:** 5.0/5.0 stars **Reviewed by:** Chris M. | Owner and President, Small-Business (50 or fewer emp.) **Reviewed Date:** September 08, 2025 **What do you like best about Nickel?** Nickel allows me to collect on invoices with companies all over the nation professionally, with ease and at no cost! Prior to deciding on utilizing Nickel, I met with their team and the customer support was excellent. He made sure I understood how their processes work and my next steps to implement Nickel into my operations. I utilized Nickel on a weekly basis and it saves me so much time and headaches in collecting payments. For the purposes in which I utilize Nickel, I fully recommend these services. **What do you dislike about Nickel?** It would be nice to be able to set up auto-payments on the free version. Other than this - I have no challenges or complaints with Nickel! **What problems is Nickel solving and how is that benefiting you?** I needed a free process that allowed me to collect payments from multiple entities all over the nation. It's allowed me to no longer have our clients write and send checks. This allows me to consolidate my methods of receiving payments. This also minimized the time it takes my clients to make payments. Now, they can get a text or email and make a payment within minutes. They no longer have to pull out the checks, write the check and mail it to us. This is very professional and streamlined! ### 44. Welcomed relief from the corporate overlords at QB **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** September 08, 2025 **What do you like best about Nickel?** I am exceptionally pleased to have found Nickel. Nickel allows for free ACH transactions. They take about 3 business days to process, which is fine for me. QBOnline used to be $10 a month, and now it is approx $40 with 1% on ACH. This can be thousands of $$$ a year, it is insane. Nickel allows for syncing to QBO invoicing, to allow Nickel to process the payments while still using QB invoicing. It's like using both platforms, and eliminating the 1% from QB transaction fees. Nickel has invoicing too, but syncing with QBO is a nice feature to allow a less confronting, or partial and step-by-step migration away from the oppressive QB platform, to ease into a new model. **What do you dislike about Nickel?** Inexperienced payers can sometimes find the process of "connecting their bank" to Nickel to be uncomfortable. I suggest Nickel creates efficient declarations that it is a legitimate platform and holds privacy and security sacrosanct. Which it is and does. To be clear Nickel is operating within standard operating processes as other payment platforms, but the people of earth are unsophisticated and a little "hand holding" may go a long way. **What problems is Nickel solving and how is that benefiting you?** Allowing an alternative to quick boos online. QBO has enjoyed their market dominance for far too long, and they are now operating in a predatory fashion IMhO. Nickel is offering an easy to learn alternative that has more reasonable fees, while allowing for a controlled migration away from QB. ### 45. Effortless to Use with Outstanding Support **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** December 02, 2025 **What do you like best about Nickel?** Ease of use, customer support is responsive and easy to communicate with. **What do you dislike about Nickel?** There are windows and flows that don't make sense. Example: If I'm in a vendor file and want to review payments made to them, it takes me completely out of the vendor section as soon as I click on the payment. Not a big deal, a few extra clicks. It'd be nice to have that in the same window because I'm just taking a peek! **What problems is Nickel solving and how is that benefiting you?** Our bank doesn't offer ACH payments and our previous vendor added fees. We are a nonprofit and need a way to send payments without excessive fees for us or our vendors. ### 46. Flexible Payment Options, but would benefit for ACH Discount Feature **Rating:** 5.0/5.0 stars **Reviewed by:** Jacob K. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** October 15, 2025 **What do you like best about Nickel?** It gives flexibility to pay with a credit card. Has multiple permission settings for employee use. Ability to have vendors fill out payment details to reduce errors. **What do you dislike about Nickel?** I would like to offer incentives to customers to use ACH with a discount applied through their system (ie, 1% or 2% ) to offer as an alternative to credit cards. **What problems is Nickel solving and how is that benefiting you?** Allows accounts payable to pay with a credit card for a small fee for vendors that do not accept it. We can get points and an early pay discount. The history of payments is easily searchable. ### 47. Exceptionally User-Friendly and Intuitive Experience **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** December 19, 2025 **What do you like best about Nickel?** How user friendly it is, mu customers have had nothing but good things to say. How quickly the support is to help in answering my many questions. Implementation was very easy and took very little time to do. **What do you dislike about Nickel?** That there is not a way for a customer to schedule a future payment from the emailed invoice. However, this is something they are looking to be able to do in the future. **What problems is Nickel solving and how is that benefiting you?** They are working on getting a more robust auto payment system for customers to pay and set up on their own. ### 48. All-in-One Hub for Payments and Customer/Vendor Tracking **Rating:** 5.0/5.0 stars **Reviewed by:** Ashland R. | Small-Business (50 or fewer emp.) **Reviewed Date:** January 14, 2026 **What do you like best about Nickel?** It is a hub that keeps track of all my incoming and outgoing payments. It has a database with all my customers and vendors. I don't have to re-enter information every time I need to send a bill or collect on one. **What do you dislike about Nickel?** Nothing! I have had no issues at all. It has been smooth sailing since joining. **What problems is Nickel solving and how is that benefiting you?** In roofing, all payments received need to be accounted for precisely for insurance companies. Nickel makes that easy. Everything is searchable. ### 49. Easy to Use, Reliable, and Great Value **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Retail | Small-Business (50 or fewer emp.) **Reviewed Date:** February 13, 2026 **What do you like best about Nickel?** It’s easy to use and reliable, with a clean interface. Customer support is helpful, and overall it offers good value. **What do you dislike about Nickel?** Attaching credit card information forms for recurring processing could be simpler. It would also be helpful to have in-platform terms and conditions that customers can review, acknowledge, and sign during online payments. **What problems is Nickel solving and how is that benefiting you?** It is allowing us to spend less in overall fees. ### 50. Easy to Use, Seamless QuickBooks Integration, and Simple ACH Payments **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Automotive | Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2026 **What do you like best about Nickel?** Easy to use, works seamlessly with Quickbooks, and we can use it to pay ACH payments **What do you dislike about Nickel?** When you go to Get Paid and want to view the payment portal link to double check it, you have to copy and paste. I wish there was another button that also just took me to the payment portal like for double checking. **What problems is Nickel solving and how is that benefiting you?** Much less fees compared to Quickbooks! - [View Nickel pricing details and edition comparison](https://www.g2.com/products/nickel/reviews?page=2§ion=pricing&secure%5Bexpires_at%5D=2026-07-17+02%3A00%3A16+-0500&secure%5Bsession_id%5D=3c3b22d2-e9c5-4a18-a716-2b0456916f5f&secure%5Btoken%5D=90cf54f377eebbb5afd1a203f4eb767e8dd37e88d22451dd2090f522cb0aa745&format=llm_user) ## Nickel Integrations - [Accounting Seed](https://www.g2.com/products/accounting-seed/reviews) - [Airtable](https://www.g2.com/products/airtable/reviews) - [Intuit QuickBooks](https://www.g2.com/products/intuit-quickbooks/reviews) - [PandaDoc](https://www.g2.com/products/pandadoc/reviews) - [QuickBooks Desktop Enterprise](https://www.g2.com/products/quickbooks-desktop-enterprise/reviews) - [QuickBooks Desktop Pro](https://www.g2.com/products/quickbooks-desktop-pro/reviews) - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) ## Nickel Features **Invoice Management** - Capture - Repository **Payment Processing** - Encryption - Credit Card Processing - Mobile Payments - Digital Wallet Integration **Platform Basics** - Performance - Portal **Reporting** - Status - History **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Invoice Processing** - Matching - Payments - Workflows **Administration** - Reporting & Analytics - E-commerce Integration - Processing Fees - POS Integration - Omnichannel - Levels 1 & 2 - Level 3 **Platform Administration** - Integrations - Compliance - Reporting **Integrations** - Accounting - ERP - CPM **Analytics** - Due Dates - Benchmarking - KPIs **Payment Options** - Online payment portal **Platform Payment Content** - Document management - Invoicing Tool **Transactions** - Credits - Invoices - Payments **Integration** - Accounting - Payment Integration - ERP **Security** - POS Verification **Workflows** - Approvals - Reconciliation **Platform** - Accounting integration - E-commerce Integration **Agentic AI - Accounts Receivable Automation** - Autonomous Task Execution **AI - Accounts Receivable** - Generative - Responses **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 ## Top Nickel Alternatives - [Melio](https://www.g2.com/products/melio/reviews) - 4.4/5.0 (247 reviews) - [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) - 4.4/5.0 (1,782 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) - 4.8/5.0 (2,452 reviews)