Trusted by businesses in brick & mortar industries
The best ACH solution for small businesses
Truly unlimited free ACH payments
Send and receive ACH payments for free. No transaction caps or restrictions.
High value transactions
Process large payments up to $1M each without a hiccup or surprise holds
Plaid is not required
Initiate ACH payments with routing and account numbers, and without the Plaid hassle
2x faster settlement
Nickel delivers payments 2x faster than leading competitors and at a fraction of the cost
One for one bank reconciliation
Every transaction is settled individually with your bank with custom statement descriptors
Transparency & live support
Nickel is upfront about the status of your payments and you're never left guessing
With Nickel, I always know exactly where my funds are. It's reliable and transparent. I never have to worry about a payment falling through or funds being frozen or held."
Ranked #1 Easiest to Use Payment Solution by G2
See why Nickel outranks every major competitor, including Forwardly, Melio, and Square
Absolute Gamechanger
Impeccable product, run by better people
Nickel's online payments platform is A+
Great alternative to Quickbooks Pay
Best payments platform for small businesses
A breeze to implement and integrate
Fast, reliable, and client friendly services
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Nickel makes getting paid simple & cost effective
Look no further for a well-integrated, daily payment solution
10/10 from this small business owner
No Plaid? No problem
Plaid can be a hassle and isn't supported by every bank. Nickel lets you initiate unlimited free ACH payments with just your bank account and routing number.
Compare Nickel with leading alternatives
See why discerning business owners chose Nickel over Quickbooks Pay, Melio, and Forwardly for ACH payments
Explore our full product suite
Streamline payments, lending and trade credit workflows, all in one place.
Vet and activate new customers faster, and automate payments
Solutions and funding that help you mobilize new projects and ensure prompt payments
Accelerate customer payments and pay suppliers and contractors with ease
Real people, real support
Payments are mission critical and there’s zero room for error. That’s why our support team is here for you, when you need it the most
Personalized Onboarding
White glove service to help you get started and set up for success.
Around the clock chat and email
White glove service to help you get started and set up for success.
FAQs
Still have questions? Get in touch ->
We cut out the middlemen and process ACH payments directly through the Federal Reserve and NACHA network with our sponsor bank. No extra layers, no unnecessary fees. Free ACH transfers is just one of the many services we offer—our revenue comes from other products, not from nickel-and-diming your bank transfers.
Yes. We work directly with a sponsor bank, which means Nickel meets strict banking security standards. We’re SOC 2 compliant, audited quarterly, and built with “bank-grade” security to keep your data safe.
ACH payments on Nickel are always free—for you, your customers, and your vendors. There’s no cap on the number of transactions you can make. On Nickel Core plans, individual transactions are limited to $25,000, while Nickel Plus and higher tiers have no limits. See plans and pricing ->
On the Nickel Core plan, payments settle in two business days. Upgrade to Nickel Plus or higher, and you’ll get next-business-day settlements—because faster cash flow means a stronger business. See plans and pricing ->
Nickel supports businesses of all sizes, but does not support sole proprietors
You can apply for and set up a free account in less than 5 minutes. Get started now.
No monthly fees.
Just unlimited free ACH transfers.
See why discerning business owners and accounting firms are all switching to Nickel
