--- description: If you're in a hunt for the best solution for your business, learn what Nickel has to offer thanks to GetApp Singapore. We provide the most detailed information on pricing, benefits, and disadvantages of software. image: https://gdm-localsites-assets-gfprod.imgix.net/images/getapp/og_logo-94fd2a03a6c7a0e54fc0c9e21a1c0ce9.png title: Nickel Price, Reviews & Ratings | GetApp Singapore 2026 --- Breadcrumb: [Home](/) > [Accounts Payable Software](/directory/237/accounts-payable/software) > [Nickel](/software/2077330/nickel) # Nickel Canonical: https://www.getapp.sg/software/2077330/nickel Page: 1 / 3\ Next: [Next page](https://www.getapp.sg/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 **4.9/5** by 36 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** | **4.9/5** | 36 Reviews | | Ease of Use | 5.0/5 | Based on overall reviews | | Customer Support | 5.0/5 | Based on overall reviews | | Value for Money | 4.9/5 | Based on overall reviews | | Features | 4.8/5 | 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 - Accounting Integration - 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 (4 total) - HubSpot Content Hub - QuickBooks Desktop - QuickBooks Enterprise - QuickBooks Online ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat ## Category - [Accounts Payable Software](https://www.getapp.sg/directory/237/accounts-payable/software) ## Related Categories - [Accounts Payable Software](https://www.getapp.sg/directory/237/accounts-payable/software) - [Accounts Receivable Software](https://www.getapp.sg/directory/238/accounts-receivable/software) - [Payment Processing Software](https://www.getapp.sg/directory/23/payment-management/software) ## Alternatives 1. [PayPal](https://www.getapp.sg/software/91263/paypal) — 4.6/5 (26597 reviews) 2. [Venmo](https://www.getapp.sg/software/106635/venmo) — 4.7/5 (9302 reviews) 3. [Stripe](https://www.getapp.sg/software/91015/stripe) — 4.6/5 (3369 reviews) 4. [Square Payments](https://www.getapp.sg/software/112251/square-payments-processing) — 4.7/5 (2706 reviews) 5. [QuickBooks Online](https://www.getapp.sg/software/20428/quickbooks-online-edition) — 4.3/5 (8511 reviews) ## Reviews ### "My go-to payment platform now for all my clients" — 5.0/5 > **Christopher** | *16 September 2025* | Accounting | Recommendation rating: 10.0/10 > > **Pros**: Nickel is my go-to payment platform now. Their customer service is great. I appreciate the features for my clients. > > **Cons**: I would like to have a 2-level approval process. Right now, there is only a single level process, which isn't enough for some clients. > > It's been great. I always get a quick response when I contact customer service and the product works great. ----- ### "Easiest Payment Processing for Small Businesses" — 5.0/5 > **Elizabeth** | *10 September 2025* | Nonprofit Organization Management | Recommendation rating: 10.0/10 > > **Pros**: It’s an extremely simple and easy payment processing product for small businesses. It saves my business money with every transaction\! > > **Cons**: Nothing; it’s been super easy to integrate for someone who is not tech savvy\! I only with the auto-pay feature was available with the free version. > > I use Nickel as a payment processor for my non-profit and it’s been amazing\! I can process donations and payments and am able to avoid all the fees. ----- ### "Great Support and Easy to work with" — 4.0/5 > **Simon** | *22 May 2025* | Accounting | 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. ----- ### "Excellent QuickBooks Sync, Free ACH a Huge Plus" — 5.0/5 > **Andrew** | *15 September 2025* | Information Technology & Services | Recommendation rating: 10.0/10 > > **Pros**: Free ACH processing – saves money compared to other providers. Excellent QuickBooks integration – makes bookkeeping simple and seamless. Easy to use – straightforward setup and smooth daily use. Reliable and efficient – helps keep business finances running without headaches. > > **Cons**: Automatic ACH payments are only available on the client side – not something I can initiate on my end. > > I’ve been really impressed with Nickel\! One of the biggest wins for me is that their ACH processing is completely free—something that’s hard to find with other providers. Additionally, their integration with QuickBooks is seamless, making bookkeeping much easier. Overall, it has been a reliable and cost-saving solution that keeps things simple and efficient. Highly recommend\! ----- ### "Best electronic payment platform" — 5.0/5 > **Gary** | *23 May 2025* | Accounting | Recommendation rating: 10.0/10 > > **Pros**: What I like most about Nickel is that there is no fee for ACH processing. The platform also allows you to determine the amount of credit card fees to allocate to the client. > > **Cons**: I have only used Nickel for accepting client payments so I can only comment on that. To date, I have no complaints about Nickel. > > My overall experience with NIckel is excellent. I spent a lot of hours looking for an electronic payment platform and luckily I found Nickel. From sign-up to the actual implementation, their customer service has been friendly and helpful. I only use it for accepting client payments, but everything has run smoothly with no complaints. I have not received any negative feedback from my clients that have used the service. ----- Page: 1 / 3\ Next: [Next page](https://www.getapp.sg/software/2077330/nickel?page=2) ## Links - [View on GetApp](https://www.getapp.sg/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