Still Paying ACH Fees in QuickBooks?

Integrate Nickel with Quickbooks to enable free ACH, credit card surcharging and 2% APY on idle cash.

25,000+ businesses move and grow their money on Nickel
PHI DecksChicago BrassMontaggioBACA SystemsHenderson-JohnsonCasa FloraO'Brien HarrisArchadeckRicheson ContractingButter FreightCumberland Rubber SupplySurgenexMaverick AcquisitionThe Fine LineHoedemaker PfeifferGreen Valley ProductsLiquid Filling SolutionsGRA ServicesSolar InsureThe CosineRecycled Fiber SolutionsArrow Stage LinesAshford Senior LivingHighlander Design BuildInfinity CanopyDeary's GymnasticsEnlightened RemodelingST Custom HomesStarr RailWT WeaverPuget Sound Window & Door
PHI DecksChicago BrassMontaggioBACA SystemsHenderson-JohnsonCasa FloraO'Brien HarrisArchadeckRicheson ContractingButter FreightCumberland Rubber SupplySurgenexMaverick AcquisitionThe Fine LineHoedemaker PfeifferGreen Valley ProductsLiquid Filling SolutionsGRA ServicesSolar InsureThe CosineRecycled Fiber SolutionsArrow Stage LinesAshford Senior LivingHighlander Design BuildInfinity CanopyDeary's GymnasticsEnlightened RemodelingST Custom HomesStarr RailWT WeaverPuget Sound Window & Door

Nickel vs. QuickBooks Payments, feature by feature.

Payment Capabilities

ACH bank transfer
Requires Plaid
Credit card
Mail a check
High value transactions
Quickbooks & ERP Sync
Digital credit application
Monthly fee required
Access working Capital
Nickel
Free
No
Flat 2.9%
$2
Up to $1M
200+ Integrations
No
QuickBooks Payments
1% with no cap
No
2.99 - 3.8%
Limited
QBO Only
Yes

Three* reasons customers choose Nickel over QuickBooks Payments

*There are a lot more than three

Free ACH replacing QuickBooks Payments 1% transfer fee

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

Million-dollar payment cleared without limits or holds

High value transactions. Process large payments up to $1M each without a hiccup or surprise holds.

Nickel support team giving transparent payment updates

Transparency & live support. Nickel is upfront about the status of your payments and you're never left guessing.

Rated above what you're using now.

Hundreds of 5-star G2 reviews from businesses that switched and never looked back.

G2 Best Results badge
I really appreciate the responsiveness of the support team — they're always available to answer my questions.
Chris Eaker Yellow Jacket Bookkeeping
G2 Leader badge
Clients love paying us with Nickel's QR code. It's easier than Venmo or Zelle.
Marc Stelzer American Home Renewal
G2 Best Support badge
The setup was remarkably quick, and we had it up and running in less than an hour.
Ryan Herbst General Staffing

Get started with Nickel. Sign up in minutes.

Free Nickel account setup without a credit card

Try Nickel for free. No credit cards, no credit checks. Get started in 5 minutes.

Connecting QuickBooks and bank accounts during signup

Roll out in minutes. Connect your accounts and start paying and getting paid.

Enabling Nickel Balance for 2% APY on idle cash

Enable Nickel Balance. Earn 2% on idle cash and send and receive payments instantly.

Can I use Nickel instead of QuickBooks Payments without changing my QuickBooks setup?

Yes, you can switch from QuickBooks Payments to Nickel and keep using QuickBooks exactly the way you do now. Nickel replaces the payment processing layer, not your accounting software. Your invoices, customers, vendors, and chart of accounts stay in QuickBooks. The only difference is that payments flow through Nickel (ACH for $0 instead of 1%) and sync back to QuickBooks automatically.

How long does it take to switch from QuickBooks Payments to Nickel?

You don't have to switch off of QuickBooks to use Nickel. Nickel connects to your existing QuickBooks account and handles the payment processing layer. Your books, customers, and invoices stay in QuickBooks. The integration takes about 5 minutes, and you can start sending Nickel payment links the same day.

Will my customers notice any difference if I switch?

Not much. Your customers will get a Nickel-branded payment link instead of a QuickBooks payment page. The experience is the same: they click a link, pick a payment method, and pay. They don't need to create an account. The only difference they might notice is that ACH is free for them too, and they have more payment options (including Apple Pay and Google Pay).

What payment types does Nickel offer?

Nickel supports ACH (free), credit and debit cards including Apple Pay and Google Pay (2.9%), mailed checks ($2), and instant bank transfers through Nickel Balance. For paying vendors, Nickel also supports international wires to 135+ countries ($25). QuickBooks Payments covers ACH and cards but charges for both.

Does Nickel require a merchant account?

No, there's no separate merchant account needed. You sign up for Nickel, verify your business, and start processing. There's no third-party gateway, no underwriting wait, and no separate fee structure to manage alongside your QuickBooks.

Ready to leave QuickBooks Payments behind?

Start a free account in minutes, or talk to sales about switching from QuickBooks.

See your ROI and savings using our calculator

Savings calculator

See a demo. See how Nickel can improve your cashflow in 30 minutes.

Talk to our experts