Nickel

Nickel is an all-in-one accounts payable (AP) and accounts receivable (AR) platform built to help American B2B businesses grow their cashflow by replacing costly, opaque financial services with transparent, low-fee alternatives. On the receivables side, businesses can instantly create branded payment links and portals, accept payments by card, ACH, or check, and enable one-click or recurring billing through saved payment methods — all without requiring customers to create an account. For vendor payments, Nickel allows teams to pay any business, contractor, or individual via ACH, card, wire, or mailed check using just an email address, with customizable approval workflows to ensure proper oversight on large transactions. The platform offers free unlimited ACH with no per-transaction percentage, no chargeback fees, and a fully published breakdown of how it generates revenue — a level of transparency that sets it apart from competitors like Bill.com and Melio. Native QuickBooks sync across Online, Desktop, and Enterprise editions eliminates batch deposits and double entry, while an AI accountant called CC Penny can autonomously coordinate and execute payments on your behalf. Nickel is best suited for small to mid-sized B2B companies — particularly in construction, wholesale, manufacturing, logistics, and accounting — as well as the accountants and finance teams who manage their books, with over 25,000 businesses already running their cashflow on the platform.