4.8 / 5  20,000+ businesses transact with Nickel →

Nickel vs. Melio

Customers switch to Nickel for unlimited ACH payments, business-friendly subscription models, and live support.

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20,000+ companies saved $100M in ACH fees with Nickel

Compare Nickel and Melio

Nickel
Melio
Pay by ACH bank transfer
Unlimited & free
5 free ACH per month on free plan
Deposit Checks
Yes
No
Seats Included
3 free users
1 free user
Live Support
Live chat and email support
Discontinued phone support
User Permissions
Yes
Paid plans only
Accountant support
Yes
Paid plans only
Accounts & Integration
Nickel
Melio
Seats Included
3 free users
1 free user
User Permissions
Yes
Paid plans only
Manage multiple businesses
Yes
Paid plans only
Deposit Checks
Yes
Paid plans only
Accountant Support
Yes
Paid plans only
Quickbooks Integration
Unlimited
10 free syncs per month
Xero Integration
Coming soon
10 free syncs per month
Payment Capabilities
Nickel
Melio
Pay by Card
2.9%
2.9%
Pay by ACH bank transfer
Unlimited & free
5 free ACH per month
Send checks
$2
Yes
Deposit Checks
Yes
No
Instant Transfers
Coming soon
1%
Accounts Receivable
Nickel
Melio
Request payment via email
Yes
Yes
Request payment via text
Yes
No
Branded payments portal & links
Yes
Yes
Partial payments
Yes
No
Customize surcharge per request
Yes
No
Requires Plaid
Not required
Required
Securely save buyer's payment info
Yes
No
Accounts Payable
Nickel
Melio
Vendor onboarding
Yes
Yes
Pay businesses
Yes
Yes
Pay individuals & sole proprietors
Yes
No
Scheduled & recurring payments
Yes
Yes
Approvals workflow
Yes
Paid plans only
Trade Credit
Nickel
Melio
Digital credit application
Yes
No
Credit report and insights
Yes
No
Credit review & approval workflow
Yes
No
Automated dunning & lien documents
Yes
No
Net terms advance
Yes
No
Annual Billing
Save 20%
Monthly Billing
Nickel Core
Powerful payments essentials for small businesses
$0/mo
Get started
Payment processing cutoff times are 4PM EST
ACH Bank Transfers
Unlimited free ACHs
Three business day turnaround
Card Payments
2.9% flat rate
Two business day turnaround
Features Included
3 active users
$25,000 limit per transaction
Customer payment portal
Get paid via link
Bill Pay
Permissions and approvals workflow
Live chat and email support
Nickel Plus
Most popular
Advance payment workflows that saves you time and money
$35/mo
Try for 14 days
Payment processing cutoff times are 4PM EST
ACH Bank Transfers
Unlimited free ACHs
Two business day turnaround
Card Payments
2.9% flat rate
Next business day turnaround
Everything in Basic, plus:
Unlimited active users
No hard transaction limit
Schedule payments in advance
Recurring payments
Remote check deposit
Nickel Pro
Custom solution for businesses with high volume transactions
Custom
Book a demo
Payment processing cutoff times are 4PM EST
ACH Bank Transfers
Unlimited free ACHs
Two business day turnaround
Card Payments
Custom rate
Next business day turnaround
Everything in Plus, plus
Dedicated account manager
Dedicated phone line
24/7 support
Nickel Core
Powerful payments essentials for small businesses
$0/mo
Get started
Payment processing cutoff times are 4PM EST
ACH Bank Transfers
Unlimited free ACHs
Three business day turnaround
Card Payments
2.9% flat rate
Two business day turnaround
Features Included
3 active users
$25,000 limit per transaction
Customer payment portal
Get paid via link
Bill Pay
Permissions and approvals workflow
Live chat and email support
Nickel Plus
Most popular
Advance payment workflows that saves you time and money
$45/mo
Try for 14 days
Payment processing cutoff times are 4PM EST
ACH Bank Transfers
Unlimited free ACHs
Two business day turnaround
Card Payments
2.9% flat rate
Next business day turnaround
Everything in Basic, plus:
Unlimited active users
No hard transaction limit
Schedule payments in advance
Recurring payments
Remote check deposit
Nickel Pro
Full suite of tools to automate your cashflow operations
Custom
Book a demo
Payment processing cutoff times are 4PM EST
ACH Bank Transfers
Unlimited free ACHs
Two business day turnaround
Card Payments
2.9% flat rate
Next business day turnaround
Everything in Plus, plus
Digital credit application
Customer credit insights
Decision workflow
Net 60 day terms for customers

Top reasons customers switch to Nickel

Truly unlimited free ACH payments

Send and receive ACH payments for free. No monthly caps or restrictions.

Transparency & live support

Nickel cares about your business running smoothly, so support is just a chat or call away.

Ease of use

Nickel’s intuitive UI saves customers hours every week by making the most common tasks easy to access.

“It only took me about 5 minutes to set up, and it just works.”
Pat Henderson, Purchasing, 2nd Generation Owner

What current customers think

Based on G2 reviews →
Ease of Use
9.6 / 10
8.7 / 10
Ease of Setup
9.7 / 10
8.2 / 10
Quality of Support
9.5 / 10
8.1 / 10
Product Direction
9.6 / 10
8.5 / 10
Product is good partner
9.7 / 10
8.3 / 10
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