Pay anyone. Anywhere. In any way.

The best AP automation for a small business depends on your volume and stack. Nickel is built for businesses without a full finance team — free ACH on every plan, bill capture via email, approval routing, and two-way QuickBooks sync (Online and Desktop). Unlike most AP tools, there are no per-user fees. Most businesses are paying their first vendor the day they sign up.

Most small businesses don't have a dedicated AP person. On Nickel, you onboard your vendors once (they fill out a secure link with their bank info), capture bills as they come in, and pay everyone in a batch. You can route payments for approval if you have a partner or manager who needs to sign off. The whole process takes minutes, not hours, and it syncs to QuickBooks so there's no double-entry.

Pay any vendor by ACH through Nickel and there's no fee. You add the vendor, enter the bill amount, and send the payment. The money goes directly to their bank account. If you want to pay by credit card instead (2.9%), wire ($25), or mailed check ($2), those options are there too. But ACH is free on every plan.

Yes, ACH is free for vendor payments on all Nickel plans. There's no per-transaction fee, no percentage, and no monthly limit on the number of ACH payments you send. Your vendor gets the money in 2-3 business days. If you use Nickel Balance, you can send same-day or instant payments at no extra cost.

Yes, Nickel supports international wires via SWIFT to 135+ countries at $25 per wire. You enter the vendor's international banking details (IBAN, SWIFT/BIC code), and the wire typically arrives in 1-2 hours depending on the destination country.

You can set up approval routing so that payments over a certain amount (or all payments) require sign-off from a specific person before they go out. The approver gets a notification, reviews the payment, and approves or rejects it from their dashboard.

You can pay vendors by ACH (free, 2-3 business days), expedited ACH (free, same-day or instant with Nickel Balance), credit card (2.9%), international wire via SWIFT ($25, 1-2 business days), or mailed check ($2, 3-5 business days).

Yes, every vendor payment you make through Nickel syncs to QuickBooks Online or QuickBooks Desktop automatically. The bill closes, the payment records, and your books stay current. The sync runs in real time for QBO and on a regular schedule for QBD.

Yes, Nickel connects to QuickBooks Desktop through the Web Connector. You can sync vendors, bills, and payments the same way you would with QuickBooks Online. Setup takes about 5 minutes and doesn't require IT. It works with QuickBooks Pro, Premier, and Enterprise.

Most businesses are sending their first vendor payment in minutes. You sign up, connect QuickBooks if you use it, and onboard your first vendor by sending them a secure link. Once they fill it out and their bank is verified, you can pay them. The Nickel setup itself takes minutes. The vendor onboarding depends on how quickly your vendors respond.

Yes, you can use Nickel for accounts payable without touching the AR side. There's no requirement to use both.

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.