What’s new in October 2026

Bills you pay from your Nickel Banking account now reach vendors instantly over real-time payments (RTP and FedNow) when their bank supports it, for free.

Send a same-day domestic wire transfer to your vendor from your Nickel dashboard.

All Nickel users can now open a free Nickel Banking business account and begin earning 2% APY on account balances. Create multiple accounts, each with its own account numbers, statements, and cards, and make instant transfers between them.

Deposit a check online and apply it to several invoices at once. The check number syncs to QuickBooks as the payment reference.

Set up recurring payments where each invoice in the series goes out as a new payment link so customers don’t need a saved card or bank account.

Track when a customer last opened each invoice. The form pre-fills the next invoice number, reads an uploaded invoice, and asks whether to send or charge a saved payment method.

Turn off card payments for a specific customer to avoid credit card processing fees, and choose whether an authorization request asks for bank only, card only, or either.

Set up custom payment reminder emails that go out to customers automatically before or after an invoice’s due date, with the payment link built in.

Payment dates now automatically skip weekends and Federal Reserve bank holidays.

Build a smarter AP and AR approvals workflows by setting conditional approval rules like “bills over X amount need a second approver” for your team. Conditional rules cover paying bills, invoices, sending an invoice, and charging a saved card.

Create custom roles for every team member, bookkeeper, or accounting firm with access to Nickel. Set notifications, permissions, and access controls on a person-to-person basis.

Nickel Pro customers can now set up SSO themselves. Sessions now last up to 24 hours, and changing wire details or your payout bank requires a fresh two-factor authentication (2FA) code.

Penny now confirms an action plan or offers alternatives, builds CSV and Excel reports, lists each action like a receipt, and approves queued requests in bulk.