Send and receive ACH payments from every US bank for free


Tired of transaction fees and misleading pricing? With Nickel, you get truly free ACH payments with no hidden fees, no kidding.

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

"Nickel just works. My company deals with high value transactions north of $250K. So there's zero room for error.

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."
Judy Massey
Controller, O'Brien Harris

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

ACH bank transfer
Free
1% with no cap
5 free / month
Defaults to 1% Instant ACH
Requires Plaid
No
No
Highly encouraged
Yes
Credit card
Flat 2.9%
2.99 - 3.8%
Flat 2.9%
2.99% + Fees
Mail a check
$2
No
$1.5
No
High value transactions
Up to $1M
Limited
Limited
Limited
Quickbooks & ERP Sync
200+ Integrations
QBO Only
QBO & Xero
QBO & 3 Integrations
Digital credit application
Yes
No
No
No
Access working Capital
Yes
No
Limited
No

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 -> 

How are ACH payments free with Nickel?

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.

Is Nickel secure?

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.

Are there limits to free ACH transactions?

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 ->

How long does it take for funds to settle?

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 ->

What types of businesses does Nickel support?

Nickel supports businesses of all sizes, but does not support sole proprietors

How do I get started?

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