Still Paying ACH Fees in QuickBooks?

QuickBooks Payments is built into QuickBooks Online and lets you accept invoice payments via ACH or credit card. When a customer pays, it’s automatically recorded in your books, making reconciliation easier.
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It works well for basic invoicing and collections. But QuickBooks Payments charges a 1% fee on every ACH payment received which quickly adds up.

To pay vendors, you need to add QuickBooks Bill Pay, which introduces usage limits and additional fees. Approval workflows are limited, and ACH transfer limits often start low. Larger payments may require review or be split across multiple transactions.

Nickel is designed to solve the biggest frustrations businesses have with QuickBooks Payments. You get unlimited free ACH transfers (no 1% fee), the ability to both send and receive payments by ACH, card, or check, and optional approval workflows that give you more control.

Nickel is purpose-built for large, B2B transactions. You can offer net terms with built-in credit tools and even get an advance on invoices when customers need more time to pay.

Everything connects seamlessly to QuickBooks—so your books stay accurate without changing how you invoice or reconcile.