Nickel

Nickel is web-based ACH payment software for businesses collecting payments through bank transfers, payment links, or connected systems. It suits teams that want recurring and same-day ACH options, with capacity that can grow beyond the free plan. Its appeal is the combination of ACH features and plan choices; its fit depends on whether the transaction and payment-page caps match your operation.

Overview

Nickel supports recurring ACH payments, ACH credit, same-day ACH, payment links, API access, and webhooks. That range gives businesses several ways to collect payments and connect payment activity to their own workflows. The free Core plan is a low-commitment starting point, but its three-user, $25,000 transaction, and one-payment-page limits may quickly constrain a growing team.

Key features

• ACH options: Recurring payments, ACH credit, and same-day ACH cover different bank-payment needs. Nickel states a $1,000,000 ACH transaction limit, although Core has a lower $25,000 plan limit.
• Payment links and pages: Payment links offer another collection route, while the number of payment pages depends on the plan. Core allows one, Plus five, and Pro unlimited pages, so businesses running multiple payment flows have a clear reason to move up.
• Developer connections: API access and webhook support suit teams connecting payment activity with other systems. Enterprise adds developer tools and custom ERP and data warehouse integrations, a more relevant tier for organizations with tailored integration needs.

Pricing

Nickel uses a freemium model, with paid plans starting at $35/mo (annual) and a 14-day trial. The free plan has no contract, allows three active users, caps transactions at $25,000, and includes one payment page with unlimited bills per month. It is best for a small team with modest transaction needs; the low entry cost comes with the tightest capacity limits.

Nickel Plus costs $35 a month, with a 20% saving on annual billing. It raises the transaction limit to $1M, removes the user cap, and allows five payment pages, while retaining unlimited bills per month. This is the practical step up for teams that have outgrown Core but do not need unlimited pages.

Nickel Pro costs $300 a month, billed monthly. It keeps the $1M transaction limit and unlimited users, and removes the payment-page cap. That makes it suited to businesses managing many payment flows; the higher monthly price buys page capacity, not a higher transaction limit.

Enterprise has custom pricing and includes a dedicated support line, multi-entity support, API and developer tools, custom ERP and data warehouse integrations, and custom per-transaction pricing. It is aimed at organizations needing those capabilities rather than a standard plan. Core has no contract; the stated Plus annual saving is tied to annual billing.

Platforms

Nickel runs on the web, making it a fit for businesses that want browser-based access rather than a listed desktop or mobile app.

Who it's for

Nickel is best suited to businesses that need web-based ACH collection, recurring or same-day payments, and a plan matched to their user count and payment-page volume. Smaller teams can start on Core, while Plus or Pro may suit operations that need higher transaction capacity or more pages. Businesses that need more than Plus's $1M transaction limit, or cannot make the plan economics work, should look elsewhere.

Pros and cons

• Pros: Core offers a no-contract free starting point with unlimited bills per month; Plus and Pro expand user and payment-page capacity; recurring ACH, ACH credit, same-day ACH, API access, and webhooks cover a useful range of payment and integration needs.
• Cons: Core's $25,000 transaction cap, three-user limit, and single page may be restrictive; Plus and Pro both retain a $1M transaction limit; Pro costs $300 a month for unlimited pages, while businesses needing more tailored enterprise support must seek custom pricing.

Alternatives

For a broader category comparison, see ACH Payment Processing Software.

• OpenACH is worth considering if you want free, GPL v3.0 open-source software or a wider set of platform options, including mobile, API, and self-hosted access.
• ACH Processing Company is a paid alternative with web and API platforms.
• ACHPAY.AI may suit teams seeking a paid API and web option with a free trial; its ACH processing plan is $0.35 per contact, up to $5.00 per transaction.
• Paymentus is an enterprise billing and payment platform with Android, iOS, web, and API support; contact sales for pricing.
• ACH Payments may fit organizations comparing a paid web and API option with per-transaction charges; its stated ChurchSquare plan includes three accounts, reporting, and 800# support at $20.00 monthly, plus transaction and gateway fees.
• First ACH API is another paid web and API option with a free trial; custom API integration, programming, or customization requires a proposal.
• GoACH is a paid web and API alternative with custom pricing based on industry, processing volume, and risk profile.
• GoCardless Bank Account Data is a paid web and API option.

Verdict

Choose Nickel if you need web-based ACH features, including recurring and same-day payments, and can match your workload to its Core, Plus, or Pro limits. Its strongest case is the choice between a no-contract free plan and paid tiers that expand users and payment pages. Look elsewhere if Core's $25,000 cap is too low, the $1M limit on paid plans is insufficient, or Pro's $300.00 USD monthly price does not fit your budget.