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Author

Fabian Raemy

Fabian is a professional writer with 15 years of experience who works alongside Nickel’s payment experts to create comprehensive guides on business finance and payments. He holds a Bachelor’s degree in Political Science from Ryerson University.
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Articles by this author

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Software

Ramp vs. Bill.com: A Side-by-Side Comparison

Compare Ramp and Bill.com for business payments: Pricing tiers, transaction fees, approval workflows, and free alternatives with unlimited ACH transfers.
Software
Payments

Free Credit Card Processing for Small Business (2026 Guide)

Free credit card processing explained: Surcharging laws, fee pass-through strategies, and how small businesses can accept cards at zero cost.
Payments
Payments

How to Transfer a Million Dollars (And Avoid Fees)

Learn the cheapest, safest ways to transfer $1M+ domestically and internationally. Compare costs, timing, and security options.
Payments
Payments

Accounts Payable vs. Accounts Receivable: The Complete Guide

Accounts payable tracks money you owe; accounts receivable tracks money owed to you. Learn how AP and AR impact cash flow and working capital.
Payments
Payments

How Long Does a Wire Transfer Take: A Guide to U.S. and International Transfers

Domestic wire transfers process same-day before cutoff; international wires take 1-5 days. Learn bank cutoff times, fees, and faster alternatives.
Payments
Payments

Bill.com vs. Melio: A Full Comparison for Small Businesses

Compare Bill.com vs Melio pricing, features, and integrations. See which platform fits small businesses and why Nickel offers better value for 2025.
Payments
Payments

Accounts Receivable Job Functions: Complete Guide to Duties, Skills & Salary

Learn the 7 core accounts receivable duties, required skills, and salary benchmarks for AR roles. Complete guide for hiring or pursuing AR careers.
Payments
Payments

eCheck vs. ACH: What’s Best for Your Business? 

Compare eCheck and ACH payments: Speed, cost, security differences. Learn which electronic payment method is best for your business and how to reduce fees.
Payments
Payments

QuickBooks Payment Processing Fees Guide (plus Free Alternatives)

QuickBooks charges 1% uncapped ACH fees and 2.99% credit card fees. Learn how to avoid QuickBooks payment processing fees with free alternatives in 2025.
Payments

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