--- description: Detailed reviews on Nickel based on features, pricing, usability, and ratings. Get a quick overview advantages and disadvantages. Compare Nickel with similar products. image: https://gdm-localsites-assets-gfprod.imgix.net/images/getapp/og_logo-94fd2a03a6c7a0e54fc0c9e21a1c0ce9.png title: Nickel Reviews, Prices & Ratings | GetApp Canada 2026 --- Breadcrumb: [Home](/) > [Accounts Payable Software](/directory/237/accounts-payable/software) > [Nickel](/software/2077330/nickel) # Nickel Canonical: https://www.getapp.ca/software/2077330/nickel Page: 1 / 3\ Next: [Next page](https://www.getapp.ca/software/2077330/nickel?page=2) > The only payments processor built for industry, ACH transactions are always free, and card processing rates are competitive (2.9%). Nickel automatically syncs with your QuickBooks, mails checks on your behalf, can generate unique payment links tied to invoices, and so much more. > > Verdict: Rated **5.0/5** by 46 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Key benefits of Nickel Nickel brings accounts receivable and accounts payable together in one platform, so businesses stop juggling separate tools to get paid and pay their bills. On the receivables side, Nickel lets you send invoices and payment links that customers can pay by ACH, credit/debit card, or Apple Pay — with saved payment methods, partial payments, and auto-debit for recurring or authorized charges. Automated reminders and aging-based customer statements chase down late payments without manual follow-up, and a self-service customer portal cuts down on "where's my invoice" support tickets. On the payables side, Nickel handles vendor management, bill processing, and configurable approval workflows before money moves. Payments go out via ACH, international wire, check, or virtual card — whichever rail fits the vendor. Recurring bills are automated, and every payment is trackable end-to-end with a full audit trail. Underneath both sides sits Nickel Balance, an embedded banking layer that holds and moves funds directly, so cash management doesn't require bouncing money through a separate bank integration. A standout differentiator is Penny, Nickel's AI copilot. Penny can read incoming invoices, draft and send bills, search payment and customer history, and propose multi-step actions — but every money-moving step requires explicit user confirmation before it executes, so automation never means losing control of your cash. Nickel also connects directly to QuickBooks Online and QuickBooks Desktop, syncing invoices, bills, and payments so your books stay current without double entry. Data import/export and a full GraphQL/REST API make it straightforward to migrate existing customer and vendor records in, or build custom integrations on top. Security and compliance are built into the core, not bolted on: card data is tokenized through a PCI-scope-reducing vault so raw card numbers never touch Nickel's servers, sensitive fields are encrypted at rest, and every transaction runs through automated fraud and AML monitoring plus watchlist screening before it settles. Risk-tiered limits and KYB verification add another layer of protection for both merchants and their customers. Reporting is real-time and centralized: a unified activity dashboard shows receivables and payables trends side by side, so finance teams get one view of cash coming in and going out instead of stitching together exports from multiple tools. In short, Nickel benefits businesses that want: - One platform for both getting paid and paying vendors, instead of separate AR and AP tools - Multiple payment rails (ACH, wire, card, check) without juggling multiple providers - Built-in approval controls on the payables side to prevent unauthorized payments - Automated dunning and self-service payment on the receivables side to speed up collections - An AI copilot that handles busywork while keeping a human in the loop on every payment - Embedded banking so funds movement and cash management live in the same system as invoicing and bill pay - Direct QuickBooks sync to keep accounting records accurate without manual reconciliation - Enterprise-grade security and fraud monitoring without needing to build or manage it separately Nickel is best suited for small and mid-sized businesses that have outgrown spreadsheets or single-purpose invoicing tools and need a single, secure system to manage both sides of their cash flow. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **5.0/5** | 46 Reviews | | Ease of Use | 5.0/5 | Based on overall reviews | | Customer Support Software | 5.0/5 | Based on overall reviews | | Value for Money | 5.0/5 | Based on overall reviews | | Features | 4.9/5 | Based on overall reviews | | Recommendation percentage | 100% | (10/10 Likelihood to recommend) | ## About the vendor - **Company**: Nickel Technology ## Commercial Context - **Starting Price**: US$0.00 - **Pricing model**: Flat Rate (Free version available) (Free Trial) - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000 - **Deployment & Platforms**: Cloud, SaaS, Web-based - **Supported Languages**: English - **Available Countries**: Canada, United States ## Features - ACH Payment Processing - AI Copilot - API - Accounting Integration - Accounting Software - Activity Dashboard - Aging Tracking - Alerts/Notifications - Approval Process Control - Audit Trail - Billing & Invoicing - Cash Management - Check Processing - Check Writing - Compliance Management - Credit Card Management - Credit Card Processing - Customer Database - Customer Statements - Customizable Branding ## Integrations (3 total) - HubSpot Content Hub - QuickBooks Enterprise - QuickBooks Online ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base Software - Phone Support - 24/7 (Live rep) - Chat ## Category - [Accounts Payable Software](https://www.getapp.ca/directory/237/accounts-payable/software) ## Related Categories - [Accounts Payable Software](https://www.getapp.ca/directory/237/accounts-payable/software) - [Accounts Receivable Software](https://www.getapp.ca/directory/238/accounts-receivable/software) - [Payment Processing Software](https://www.getapp.ca/directory/23/payment-management/software) ## Alternatives 1. [PayPal](https://www.getapp.ca/software/91263/paypal) — 4.6/5 (26703 reviews) 2. [Venmo](https://www.getapp.ca/software/106635/venmo) — 4.7/5 (9307 reviews) 3. [Stripe](https://www.getapp.ca/software/91015/stripe) — 4.6/5 (3390 reviews) 4. [Square Payments](https://www.getapp.ca/software/112251/square-payments-processing) — 4.7/5 (2716 reviews) 5. [QuickBooks Online](https://www.getapp.ca/software/20428/quickbooks-online) — 4.3/5 (8549 reviews) ## Reviews ### "Nickel is worth it" — 5.0/5 > **Ruby** | *November 27, 2025* | Construction | Recommendation rating: 10.0/10 > > **Pros**: I appreciate the service Nickel provides for payment processing. It doesn't penalize customers or business with constant fees when using bank account payments. Automated reminders, a professional personalized payment portal, and diverse integration options add significant value. The initial setup was also very easy making the transition from Quickbooks smooth and hassle free. > > **Cons**: I have no dislikes at this time. I think that this payment processing option is worth the time and effort it takes to obtain. > > I am more than pleased with their services. Whenever I need assistance, someone is always available either by chat or by phone. But I have rarely needed assistance due to the ease of use with this program. I would encourage anyone to use them. ----- ### "Nickel Gets Free ACH Payments Right With Easy-To-Use Platform" — 5.0/5 > **Kyle** | *November 13, 2025* | Arts & Crafts | Recommendation rating: 10.0/10 > > **Pros**: I love that there are free ACH bank transfers and the ability to apply a 3% fee to credit card charges so that my business can keep 100% of what I charge and the customer has the option of not paying more to make a transaction or the option of convenience. It's a win-win for everyone. > > **Cons**: The biggest issue with Nickel is that it doesn't have a phone app. The website is borderline unusable on a phone browser. > > Payments go through smoothly. The web portal is minimalist and easy to use. I was able to get up and running within minutes. It's great that you can assign a branding logo to your invoices. ----- ### "Great Support and Easy to work with" — 4.0/5 > **Simon** | *May 22, 2025* | Accounting Software | Recommendation rating: 9.0/10 > > **Pros**: It is able to sync to the accounting platforms and easy to setup to. The customer support helped quickly resolve a minor problem. > > **Cons**: I wish it can show me a total of the amount and the number of transactions for the invoices that weren't paid when I select them all. I wish the transfers of funds were quicker. It isn't as fast as Melio. Maybe over time it might. > > it is good as a great alternative to the other platform that I was using for years. Support is quick to fix a problem. I didn't even submit a ticket. I just simply replied to an email about how my experience was. It was having many duplicate invoices and even when an invoice was changed within the system, it was producing those. Nickel got it fixed the very next day. ----- ### "Easy Decision\! Using Nickel for all our our companies now" — 5.0/5 > **Christine** | *August 20, 2026* | Consumer Services | Recommendation rating: 10.0/10 > > **Pros**: Super intuitive and easy to use, great customer service, real-time emails when payments are made keeps us on track with AR collections > > **Cons**: Nothing. We have had no complaints from any of our AR users or bookkeepers. Has been a very smooth transition > > We are using Nickel now with three companies. We started out with one company and had such a positive experience, we migrated both the other companies to Nickel as well. Everybody loves it\! ----- ### "Easiest Platform to Use" — 5.0/5 > **Stephen** | *July 21, 2026* | Railroad Manufacture | Recommendation rating: 10.0/10 > > **Pros**: It's very easy to use. Payments are processed quickly, and the sync works great with QBO. Payments at most take 2 days which is great. > > **Cons**: There is nothing I don't like about Nickel, everything is working great so far. There have been a couple features we wanted and within a couple weeks those features were added so nothing to complain about. > > We have had issues with Melio and Bill.com ranging from sync issues to payments showing delivered but they never were. So coming to Nickel has been a great experience and our vendors have enjoyed it too. ----- Page: 1 / 3\ Next: [Next page](https://www.getapp.ca/software/2077330/nickel?page=2) ## Links - [View on GetApp](https://www.getapp.ca/software/2077330/nickel) ## This page is available in the following languages | Locale | URL | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-NZ | | | en-SG | | | en-ZA | | ----- ## Structured Data