Nickel Pricing 2026

Plans, hidden costs, and cheaper alternatives compared

Is Nickel worth the price?

75/10

Nickel offers a generous free 'Core' tier with substantial features for small businesses, including QuickBooks Online sync and up to $25,000 transaction size.

The 'Plus' and 'Pro' tiers, however, require contacting sales, which can be a barrier for transparent pricing comparison. This structure is best for small businesses starting out, with larger businesses needing custom quotes.

Pricing Plans

Free Trial

Core

Free

3 Seats
Quickbooks Online Sync
Max transaction size $25,000
Credit Card 2.9%
ACH Bank Transfer $0
Mail a check $2
Deposit a check $0
Credit Card 2 business days
ACH Bank Transfer 3 business days
Deposit a check 3 business days
Self service payment portal
Branded payment links
Partial and full refunds
Securely save buyer's payment info
Set up recurring payments

Plus

Unlimited Seats
Quickbooks Online Sync
Xero Sync Coming soon
Max transaction size $1,000,000
Credit Card 2.9%
ACH Bank Transfer $0
Mail a check $2
Deposit a check $0
Credit Card Next business day
ACH Bank Transfer 2 business days
Deposit a check 3 business days
Self service payment portal
Branded payment links
Partial and full refunds
Securely save buyer's payment info
Set up recurring payments
Approvals workflow
Vendor onboarding
Collect W9 and 1099s Coming soon
Schedule payments in advance
Recurring payments

Pro

Unlimited Seats
Quickbooks Online Sync
Xero Sync Coming soon
Max transaction size $1,000,000
Credit Card 2.9%
ACH Bank Transfer $0
Mail a check $2
Deposit a check $0
Credit Card Next business day
ACH Bank Transfer 2 business days
Deposit a check 3 business days
Self service payment portal
Branded payment links
Partial and full refunds
Securely save buyer's payment info
Set up recurring payments
Approvals workflow
Vendor onboarding
Collect W9 and 1099s Coming soon
Schedule payments in advance
Recurring payments
Digital credit application
Credit report and insights
Credit review & approval workflow
Net terms advance
Send compliance documents
Automated collections

Calculate your cost View full pricing

Hidden Costs & Gotchas

Credit card processing fee of 2.9% on all tiers.

Mail a check fee of $2 per transaction.

Pricing for 'Plus' and 'Pro' tiers is not transparent.

Xero sync is 'Coming soon' for all tiers.

Which Plan Do You Need?

Small businesses needing basic AR/AP

Companies seeking free payment processing

Businesses growing into trade credit

How Nickel Compares to Competitors

Compared to solutions like Melio, which also offers free ACH and low-cost check payments, Nickel's free tier is competitive, especially with the $25,000 max transaction size. However, without transparent pricing for 'Plus' and 'Pro', it's hard to directly compare with enterprise solutions like Bill.com, which typically have clearer subscription models but often higher base fees.

Nickel Pricing FAQ

How much does Nickel cost?

Nickel uses custom pricing. Contact Nickel directly for a quote based on your team size and requirements.

Does Nickel have a free plan?

Yes. Nickel offers a free plan called "Core". It includes: 3 Seats, Quickbooks Online Sync, Max transaction size $25,000.

Does Nickel offer a free trial?

Yes, Nickel offers a free trial. No credit card is typically required to start the trial, though this may vary.

Is there a cheaper alternative to Nickel?

Yes. Popular alternatives to Nickel include Stripe, Payoneer, Sift, Eventbrite. Free alternatives include Eventbrite. Compare them side-by-side on Toolradar.