Bill.com bills you.
Nickel powers you.

Bill.com is an accounts payable and receivable automation platform designed for businesses managing high volumes of vendor payments and invoice processing. The platform offers workflow automation, approval chains, and integrations with major accounting software.

However, Bill.com's per-user pricing structure quickly becomes expensive for small teams. The platform charges $45-$89+ per user per month, and transaction fees apply to every payment (including $0.59 per ACH transfer and $1.99 per mailed check). Even receiving payments costs $0.59 per transaction if you're not a Bill user.

Bill.com's payment processing times are another critical drawback for small businesses. Standard ACH transfers take 4 business days, and mailed checks take 7-10 days, creating significant cash flow delays. Support channels don't guarantee immediate access to a human representative, which can be challenging when urgent payment issues arise.

Nickel is an all-in-one cashflow platform for America's core businesses. Nickel helps businesses vet buyers, accept payments, pay vendors and access financing.  
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Nickel offers straightforward plans and a generous free tier that includes key features like unlimited free ACH, accountant support and approvals workflows. You don't pay per user, and you're not charged transaction fees to send and receive ACH payments from customers.

In addition, Nickel provides unparalleled transparency on fund movement and timely support. We understand that every payment is critical to your business and you're never left in the dark.

We don't bundle AP and AR into expensive packages forcing you to pay for features you don't need. With Nickel, you get fast payment processing, responsive support, and transparent pricing built for core businesses from the ground up.