Cash in. Cash out.Cash flows on your terms
Boldly transparent cashflow platform for America's core businesses
You run the business. Nickel runs the money.
Accounts Receivable
Request and collect payments without the chase.
Accounts Payable
Pay any business or contractor, anywhere.
Nickel Balance
Earn 2% APY on idle cash. Withdraw or spend any time.
Nickel Capital
Tap into extra cash to grow your business.
Integrations & Developer Tools
Native integrations with tools you already use.
AI Agent
AI finance team that lives in your inbox.
Boldly transparent. Every dollar explained.
Traditional finance makes money off you in the dark. We explain every fee and show you how we make every dollar.
Every kind of payment across 135+ countries.
$1M payments. Move large payments as easily and reliably as moving $100, with no surprise holds.
Domestic & Global. Send or receive payments from 135+ countries around the globe.
Unlimited free ACH. $0 for you, your vendors and buyers. No kidding.
Debit & Credit Card. Accept or pay using any major card brand
US & Global Wires. Same day wire transfers to anyone
Paper Checks. Send or deposit a check without running to the bank.
Meet Penny. The AI finance team in your inbox.
CC Penny on any email, like you would a teammate. She does the work of a finance team — no new software, no headcount to hire.
- Follows up on unpaid invoices
- Preps bills for one-click approval
- Builds any report on request
More than software. A team you can call.
When money's on the line, every question is an emergency. A US based team is here to help and ready to pick up the phone.
America's best cashflow platform.
Eight G2 awards and hundreds of 5-star reviews, from ease of use to best support and ROI.
“Best AR/AP platform I have ever used.”
“I run over five different businesses and Nickel has made handling AP and AR way easier than it used to be.”
“Clients love paying us with Nickel's QR code. It's easier than Venmo or Zelle.”
Integrate with your favorite tools.
Connect Nickel to the platforms your team already use. Books stay in sync without double entry.
QuickBooks Online
Two-way sync for invoices, payments, and payouts — reconciliation handled in real time.
All integrations
Browse every accounting, banking, and workflow integration Nickel supports.
Trusted by businesses that build America.
25,000+
businesses on Nickel.
$15M
fees saved for customers.
$0
charged for ACH, ever.
3M+
transactions processed.
Less work to do. More cash to keep.
AI that closes the books
A full fledged finance team without the headcount.
ACH that's always free
You, your vendors and your customers keep every dollar earned.
Idle cash that earns big
Earn 2% APY on cash in Nickel Balance, accrued daily.
AP that's off your plate
Onboard vendors, capture bills, and pay without the runaround.
Books that always match
Transactions syncs to your accounting tools and are never deposited in batch.
1099s that get handled
Capture vendor tax details upfront and file with one click in January.
Real outcomes from real businesses.
Montana Imaging Center moved $600K+ in partner and radiologist payments to Nickel, saving $5,200 a year
Premier Sedation consolidated multiple billing providers and runs 6 physician practices on Nickel
Ashland Roofing cut 30 minutes off every invoice and achieved 100% reconciliation accuracy for insurance claims.
Get started with Nickel. Sign up in minutes.
Try Nickel for free. No credit cards, no credit checks. Get started in 5 minutes.
Roll out in minutes. Connect your accounts and start paying and getting paid.
Enable Nickel Balance. Earn 2% on idle cash and send and receive payments instantly.
Frequently asked questions
Is there a catch with free ACH?
No, the only limitations on free ACH are per-transaction caps that vary by plan: $25,000 on Core ($0/month) and $1M on Plus ($35/month) and Pro ($300/month). There's no transaction volume limit, no hidden percentage, and no trial period. You can read more about how Nickel makes money.
How fast do I get paid?
ACHs are settled in 3 business days on Nickel Core and 2 business days on Plus and Pro. Cards are settled in 2 business days on Nickel Core and 1 business day on Plus and Pro. If you use Nickel Balance, incoming and outgoing payments settle instantly.
Does Nickel work with QuickBooks?
Yes, Nickel syncs both ways with QuickBooks Online and QuickBooks Desktop. Invoices, payments, vendors, and chart of accounts stay matched automatically, and the integration is free.
Do my customers need a Nickel account to pay me?
No, your customers don't need a Nickel account to pay you. When they receive an invoice, they simply enter their credit card or banking information to pay. You can read more about how our accounts receivable and accounts payable features work.
Is Nickel a bank?
No, Nickel isn't a bank. Nickel is a cashflow platform that partners with Grasshopper Bank, N.A., member of FDIC to hold and transfer funds. Funds in Nickel Balance are eligible for FDIC pass-through insurance up to $250,000 through Grasshopper N.A., Member FDIC.
Is Nickel the same as Nickel Payments or "GetNickel"?
Yes. Same company, different domains. We moved from getnickel.com to nickel.com in October 2025. Your payment links are hosted on nickelpayments.com. Old bookmarks to nickelpayments.com or getnickel.com still work. We're not affiliated with nickel.eu or nickelfi.com. Those are different companies.
Take cashflow off your plate.
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