The official payments platform for Restoration 1
One platform to get paid, pay vendors, and earn 2% on your cash with unlimited free ACH.
Unlimited free ACH. For you, your customers and vendors.
2.9% credit card. Pass it onto customers compliantly.
Quickbooks Online & Desktop. Fully native two way integration.
Free plan available. With no hidden fees or commitments.
Real impact for Restoration 1 franchises.
Revenued saved from free ACH and passing on card fees.
Unlimited free ACH and pass on card fees compliantly.
Earn 2% APY on your operating cash with Nickel Balance.
Nickel is the official cashflow platform helping Restoration 1 franchise owners streamline payments, save on fees, and earn 2% APY on their money.
First Last
Restoration 1
Two way Quickbooks Sync.
Native integration with Quickbooks Online and Desktop. Available on all plans with no usage limits.
Bi-directional sync
Enter once and sync all invoices, bills, vendors, customers and payment fields.
Real time sync with no usage limits
From 100 records to 100,000. Stay updated in real time with no restrictions.
Full control of what syncs over
Customize how records are synced to match your unique workflows.
Chart of accounts
Attribute every transaction to the correct payment method and operating accounts.
Free ACH on every plan. Even the $0 one.
Core
$0/mo
Comprehensive A/R and A/P solution with free unlimited ACH and Quickbooks sync. Send and receive up to $25,000 per transaction.
Free ACH
Plus
$35/mo
Send and receive free unlimited ACH up to $1M per transaction. Save time and money with advanced A/R and A/P workflows.
Free ACH
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.
Get started in under 5 minutes.
1. Set up an account
Create a free account for your Restoration 1 franchise.
2. Send an invoice
Sync invoices from Quickbooks, get paid by card, ACH, wire or check.
3. Pay vendors globally
Sync bills from Quickbooks and pay with card, ACH or check.
4. Earn 2% on your cash
Deposit money into Nickel Balance and earn 2% APY without lockups.
Is there a catch with free ACH?
No. ACH is free on all Nickel plans. There's no catch and it's not a marketing gimmick. You can read more about our commitment to making ACH accessible and how Nickel makes money.
How much does Quickbooks charge for invoice payments vs. Nickel?
As of June 2026, Quickbooks Payments charges 1% per ACH payment and 2.99-3.5% for invoiced card payments. Nickel charges $0 for ACH and 2.9% flat for credit cards and syncs natively with Quickbooks Online and Desktop.
Does Nickel work with Quickbooks Online and Desktop?
Yes, Nickel syncs both ways with Quickbooks Online and Quickbooks Desktop. Invoices, payments, vendors, and chart of accounts stay matched automatically, with no extra fees for the integration.
Do my customers need a Nickel account to pay me?
No, your customers don't need a Nickel account to pay you. 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.
Can I send and receive large payments through Nickel?
Yes, Nickel is built for large transactions. Many of our customers are in construction, commercial services, and other industries where $50,000-$500,000 invoices are routine, and we've designed the platform specifically for that. On Pro ($300/month) and Plus ($35/month) plans, the per-transaction limit is $1M. On the free Core plan, it's $25,000.
Can I pay vendors with a credit card through Nickel?
Yes, you can pay any vendor by credit card at 2.9% through Nickel, even if that vendor doesn't accept cards directly. Nickel charges your credit card and sends the vendor an ACH, check, or wire. This is useful if you want to earn card rewards or extend your cash float by a billing cycle without changing anything on the vendor's side.
Is Nickel secure?
Yes. Nickel is SOC 2 Type II and PCI-DSS certified, and all payment data is encrypted. ACH payments run through the secure bank-to-bank network governed by NACHA and operated by the Federal Reserve, and by default the money goes straight to your bank account once it clears.