Side by side
Nickel vs OpenACH
Both stand on ach payment processing software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan Web
Choose Nickel if your business needs web-based ACH payment features and a plan sized to its user and payment-page needs. Look elsewhere if the Core plan's three-user, $25,000 transaction, or one-page limits do not fit, or if paid plan costs exceed your budget.
Visit Nickel Free plan Open source AndroidAPIiPhone+3
Choose OpenACH if you need ACH processing with a bring-your-own-bank setup and want an API, NACHA libraries or self-hosted deployment. Organizations distributing it with products without GPL source distribution should consider the separate commercial license.
Visit OpenACHThe facts
| Nickel | OpenACH | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Yes |
| Runs on | Web | Android, API, iPhone, Linux, Self-hosted, Web |
| Lowest paid plan | Nickel Plus: $35 a month | Free or on request |
| Plans published | 4 | 2 |
| Maker | Not published | Not published |
| Website | nickel.com | openach.com |
| On ach payment processing software | #3 of 21 | #1 of 21 |
Nickel: what it does well
- Supports recurring ACH payments, ACH credit, and same-day ACH.
- Offers payment links, API access, and webhook support.
- Free Core plan includes unlimited bills per month.
- Plus and Pro plans include unlimited users.
- Enterprise lists multi-entity support and custom integrations.
What to know first
- Core is limited to three active users.
- Core has a $25,000 transaction limit and one payment page.
- Plus requires $35 per month with annual billing.
- Pro costs $300 per month when billed monthly.
OpenACH: what it does well
- Open-source software is available under GPL v3.0.
- Supports recurring ACH payments and ACH credits.
- REST/JSON API connects business software to ACH processing.
- NACHA libraries convert data into NACHA files.
- Can be installed from a Docker image or source.
What to know first
- Free GPL plan requires open-source applications distributed under GPL v3.0.
- Distributors that do not distribute GPL source need a separate commercial license.
- Docker setup requires protecting the configuration file containing the encryption key.
Alternatives to Nickel Alternatives to OpenACH The whole list