--- description: Learn how Nickel can help your business. We provide UK business users the most detailed information on pricing, features, usability, and reviews for Nickel. image: https://gdm-localsites-assets-gfprod.imgix.net/images/getapp/og_logo-94fd2a03a6c7a0e54fc0c9e21a1c0ce9.png title: Nickel Reviews, Prices & Ratings | GetApp UK 2026 --- Breadcrumb: [Home](/) > [Accounts Payable Software](/directory/237/accounts-payable/software) > [Nickel](/software/2077330/nickel) # Nickel Canonical: https://www.getapp.co.uk/software/2077330/nickel Page: 1 / 3\ Next: [Next page](https://www.getapp.co.uk/software/2077330/nickel?page=2) > The only payments processor built for industry, ACH transactions are always free, and card processing rates are competitive (2.9%). Nickel automatically syncs with your QuickBooks, mails checks on your behalf, can generate unique payment links tied to invoices, and so much more. > > Verdict: Rated **5.0/5** by 40 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Key benefits of Nickel Nickel brings accounts receivable and accounts payable together in one platform, so businesses stop juggling separate tools to get paid and pay their bills. On the receivables side, Nickel lets you send invoices and payment links that customers can pay by ACH, credit/debit card, or Apple Pay — with saved payment methods, partial payments, and auto-debit for recurring or authorized charges. Automated reminders and aging-based customer statements chase down late payments without manual follow-up, and a self-service customer portal cuts down on "where's my invoice" support tickets. On the payables side, Nickel handles vendor management, bill processing, and configurable approval workflows before money moves. Payments go out via ACH, international wire, check, or virtual card — whichever rail fits the vendor. Recurring bills are automated, and every payment is trackable end-to-end with a full audit trail. Underneath both sides sits Nickel Balance, an embedded banking layer that holds and moves funds directly, so cash management doesn't require bouncing money through a separate bank integration. A standout differentiator is Penny, Nickel's AI copilot. Penny can read incoming invoices, draft and send bills, search payment and customer history, and propose multi-step actions — but every money-moving step requires explicit user confirmation before it executes, so automation never means losing control of your cash. Nickel also connects directly to QuickBooks Online and QuickBooks Desktop, syncing invoices, bills, and payments so your books stay current without double entry. Data import/export and a full GraphQL/REST API make it straightforward to migrate existing customer and vendor records in, or build custom integrations on top. Security and compliance are built into the core, not bolted on: card data is tokenized through a PCI-scope-reducing vault so raw card numbers never touch Nickel's servers, sensitive fields are encrypted at rest, and every transaction runs through automated fraud and AML monitoring plus watchlist screening before it settles. Risk-tiered limits and KYB verification add another layer of protection for both merchants and their customers. Reporting is real-time and centralized: a unified activity dashboard shows receivables and payables trends side by side, so finance teams get one view of cash coming in and going out instead of stitching together exports from multiple tools. In short, Nickel benefits businesses that want: - One platform for both getting paid and paying vendors, instead of separate AR and AP tools - Multiple payment rails (ACH, wire, card, check) without juggling multiple providers - Built-in approval controls on the payables side to prevent unauthorized payments - Automated dunning and self-service payment on the receivables side to speed up collections - An AI copilot that handles busywork while keeping a human in the loop on every payment - Embedded banking so funds movement and cash management live in the same system as invoicing and bill pay - Direct QuickBooks sync to keep accounting records accurate without manual reconciliation - Enterprise-grade security and fraud monitoring without needing to build or manage it separately Nickel is best suited for small and mid-sized businesses that have outgrown spreadsheets or single-purpose invoicing tools and need a single, secure system to manage both sides of their cash flow. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **5.0/5** | 40 Reviews | | Ease of Use | 5.0/5 | Based on overall reviews | | Customer Support | 5.0/5 | Based on overall reviews | | Value for Money | 4.9/5 | Based on overall reviews | | Features | 4.8/5 | Based on overall reviews | | Recommendation percentage | 100% | (10/10 Likelihood to recommend) | ## About the vendor - **Company**: Nickel Technology ## Commercial Context - **Starting Price**: US$0.00 - **Pricing model**: Flat Rate (Free version available) (Free Trial) - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000 - **Deployment & Platforms**: Cloud, SaaS, Web-based - **Supported Languages**: English - **Available Countries**: Canada, United States ## Features - ACH Payment Processing - AI Copilot - API - Accounting - Accounting Integration - Activity Dashboard - Aging Tracking - Alerts/Notifications - Approval Process Control - Audit Trail - Billing & Invoicing - Cash Management - Check Processing - Check Writing - Compliance Management - Credit Card Management - Credit Card Processing - Customer Database - Customer Statements - Customisable Branding ## Integrations (3 total) - HubSpot Content Hub - QuickBooks Enterprise - QuickBooks Online ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat ## Category - [Accounts Payable Software](https://www.getapp.co.uk/directory/237/accounts-payable/software) ## Related Categories - [Accounts Payable Software](https://www.getapp.co.uk/directory/237/accounts-payable/software) - [Accounts Receivable Software](https://www.getapp.co.uk/directory/238/accounts-receivable/software) - [Payment Processing Software](https://www.getapp.co.uk/directory/23/payment-management/software) ## Alternatives 1. [Stripe](https://www.getapp.co.uk/software/91015/stripe) — 4.6/5 (3376 reviews) 2. [PayPal](https://www.getapp.co.uk/software/91263/paypal) — 4.6/5 (26620 reviews) 3. [Venmo](https://www.getapp.co.uk/software/106635/venmo) — 4.7/5 (9304 reviews) 4. [Square Payments](https://www.getapp.co.uk/software/112251/square-payments-processing) — 4.7/5 (2708 reviews) 5. [QuickBooks Online](https://www.getapp.co.uk/software/20428/quickbooks-online-edition) — 4.3/5 (8518 reviews) ## Reviews ### "Reliable Company We Can Trust" — 5.0/5 > **Ayled** | *3 September 2025* | Consumer Services | Recommendation rating: 10.0/10 > > **Pros**: My experience with this processing firm has been amazing so far. The processing of cards is so seamless that you hardly even notice it’s happening everything just works. It’s fast, simple, and stress-free, which makes such a difference when you’re running a business and need things to flow smoothly. I really appreciate how easy it is to use, and the fact that it doesn’t feel complicated or overwhelming at all. The team behind it is also responsive and professional, which gives me a lot of confidence. Overall, I’d definitely recommend this service to anyone looking for reliable, smooth, and easy payment processing. > > **Cons**: I honestly can’t find anything wrong with this company. Everything has been smooth, simple, and completely reliable from the start. The processing is seamless, the system is easy to work with, and it really takes the stress out of handling payments. The only thing I would truly appreciate is a mobile app having the option to manage everything on the go would make the experience even better. And if they already have one, then I apologize, because I haven’t been able to find it\! Overall, I’m very happy with the service and would recommend them to anyone looking for trustworthy and efficient payment processing. > > Great experience\! Everything is fast, simple, and seamless. Reliable service I trust and recommend to anyone needing smooth processing. ----- ### "Nickel Gets Free ACH Payments Right With Easy-To-Use Platform" — 5.0/5 > **Kyle** | *13 November 2025* | Arts & Crafts | Recommendation rating: 10.0/10 > > **Pros**: I love that there are free ACH bank transfers and the ability to apply a 3% fee to credit card charges so that my business can keep 100% of what I charge and the customer has the option of not paying more to make a transaction or the option of convenience. It's a win-win for everyone. > > **Cons**: The biggest issue with Nickel is that it doesn't have a phone app. The website is borderline unusable on a phone browser. > > Payments go through smoothly. The web portal is minimalist and easy to use. I was able to get up and running within minutes. It's great that you can assign a branding logo to your invoices. ----- ### "Efficient and Cost-Free ACH Payments with Easy Integration" — 5.0/5 > **Dan** | *24 August 2026* | Consumer Goods | Recommendation rating: 10.0/10 > > **Pros**: I use Nickel for sending free ACH payments for our business, and it makes sending money free and easy. I love that it is free\! I also enjoy connecting with QuickBooks, which makes my bookkeeping much easier. The initial setup for Nickel was very easy. > > **Cons**: I wish there was nothing to pay for and that instant / quicker transfers were free. There is a world in which I would pay for some of the features but my business does not demand it at this time. > > My bookkeeper recommended Nickel \& it's been an extraordinary asset for our new business. It allows me to send free ACH payments to my consignors and connects effortlessly with my quickbooks. ----- ### "Great Support and Easy to work with" — 4.0/5 > **Simon** | *22 May 2025* | Accounting | Recommendation rating: 9.0/10 > > **Pros**: It is able to sync to the accounting platforms and easy to setup to. The customer support helped quickly resolve a minor problem. > > **Cons**: I wish it can show me a total of the amount and the number of transactions for the invoices that weren't paid when I select them all. I wish the transfers of funds were quicker. It isn't as fast as Melio. Maybe over time it might. > > it is good as a great alternative to the other platform that I was using for years. Support is quick to fix a problem. I didn't even submit a ticket. I just simply replied to an email about how my experience was. It was having many duplicate invoices and even when an invoice was changed within the system, it was producing those. Nickel got it fixed the very next day. ----- ### "Seamless QuickBooks Integration, Effortless Payments" — 5.0/5 > **Stacey** | *5 December 2025* | Leisure, Travel & Tourism | Recommendation rating: 10.0/10 > > **Pros**: I use Nickel for direct deposits to independent contractors. It integrates seamlessly with QuickBooks, saving me time and costs. The setup was easy, and I previously faced issues using Zelle and Venmo. I highly recommend Nickel, rating it a ten for its efficiency and cost-effectiveness. > > **Cons**: I have nothing negative to report. So far my experience with Nickel has been nothing but positive. Highly recommend. > > I appreciate Nickel because its integration with QuickBooks is remarkable. Using the Bill Pay app that works seamlessly with QuickBook sallows me to quickly pay my contractors without any hassle. This integration saves me a significant amount of time as it automatically records transactions, eliminating the need for double data entry, which boosts efficiency and reduces manual errors. I love the fact that Nickel provides this service for fre, which is a considerable advantage for my small business, as it helps cut costs significantly. The initial setup for using Nickel was effortless. I was able to easily send requests to my contractors to obtain their banking information, simplifying the onboarding process. This ease of setup was instrumental in getting started with Nickel without facing any challenges. Overall, Nickel offers an intuitive, cost-effective solution that streamlines my workflow, making my financial management more efficient and less time-consuming. ----- Page: 1 / 3\ Next: [Next page](https://www.getapp.co.uk/software/2077330/nickel?page=2) ## Links - [View on GetApp](https://www.getapp.co.uk/software/2077330/nickel) ## This page is available in the following languages | Locale | URL | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-NZ | | | en-SG | | | en-ZA | | ----- ## Structured Data