Nickel

Nickel is web-based software for businesses collecting payments by ACH, payment links, or connected systems. It is best suited to teams that need recurring or same-day ACH and want room to scale payment pages and user access. The plan ladder is clear, but Core’s low transaction cap and Pro’s $300 monthly price make capacity a key buying decision.

Overview

Nickel combines recurring ACH payments, ACH credit support, same-day ACH, payment links, API access, and webhook support. That mix suits businesses that want bank-payment options alongside ways to connect payment activity to their own systems. Its free entry tier lowers the barrier to starting, though the limited transaction allowance and single payment page can make it a short-term fit for expanding operations.

Key features

• ACH payment options: Recurring payments, ACH credit, and same-day ACH cover several bank-transfer needs. Nickel’s stated ACH transaction limit is $1,000,000, while Core’s plan-level transaction limit is $25,000; businesses should distinguish the product limit from the lower allowance on the free tier.
• Payment collection: Payment links provide a collection route alongside payment pages. Page allowances rise from one on Core to five on Plus and unlimited on Pro, making plan choice consequential for businesses running several payment flows.
• Developer connections: API access and webhook support give teams ways to connect payment activity with other systems. Enterprise adds API and developer tools, plus custom ERP and data warehouse integrations for organizations with more tailored integration needs.

Pricing

Nickel uses a freemium model, with a 14-day trial and paid plans starting at $35 per month on annual billing. Core costs nothing with no contract. It allows three active users, a $25,000 transaction limit, one payment page, and unlimited bills per month. That is a useful no-subscription starting point, but the user and transaction caps limit its suitability for larger or busier teams.

Plus costs $35 a month and saves 20% with annual billing. It includes unlimited users, a $1 million transaction limit, five payment pages, and unlimited bills per month. This is the practical step up for teams needing more capacity without unlimited pages. Pro costs $300 a month, billed monthly, and keeps unlimited users, a $1 million transaction limit, and unlimited bills while removing the payment-page cap. It fits businesses with many payment flows, but the price premium is substantial when compared with Plus.

Enterprise has custom pricing. It adds 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 tailored integrations or multi-entity handling rather than a standard self-serve tier.

Platforms

Nickel is available on the web.

Who it's for

Nickel is a strong fit for businesses that collect ACH payments, need recurring or same-day ACH options, and want links, pages, or developer connections as part of the payment setup. Core can suit small operations testing a workflow or working within its caps. Teams that need more users and transaction capacity can move to Plus; businesses requiring unlimited payment pages or custom enterprise integrations have a clear reason to consider Pro or Enterprise. It is less compelling for buyers whose expected page volume makes Pro necessary but whose budget cannot accommodate $300 per month.

Pros and cons

• Pro: Recurring ACH, ACH credit, and same-day ACH support give businesses several bank-payment approaches in one product.
• Pro: Core has no subscription cost and includes unlimited bills, making it possible to start without a monthly commitment.
• Pro: Unlimited users on Plus and Pro avoid per-seat constraints on those tiers.
• Con: Core’s $25,000 transaction limit and one payment page can restrict even modest growth.
• Con: Unlimited payment pages require Pro at $300 a month, a steep jump from Plus at $35 a month.
• Con: Enterprise pricing is custom, so organizations must seek a tailored price rather than compare it as a fixed subscription.

Alternatives

For another ACH payment-processing option, see the ACH Payment Processing Software category. OpenACH is worth considering for teams seeking free, GPL v3.0 open-source software, with Android, iOS, API, web, and self-hosted platforms; its OEM commercial license has custom pricing. Choose Paymentus instead if an enterprise billing and payment platform is the priority, with pricing handled through sales.

ACH Processing Company is another paid web and API option. ACHPAY.AI may suit teams comparing per-contact pricing: its ACH processing plan is $0.35 per contact, up to $5.00 per transaction, and it offers a free trial. GoCardless Bank Account Data is another paid API and web alternative.

Rotessa is a paid alternative with no free plan or trial; its 251–1,000 transaction plan charges 35¢ per transaction for users processing over 250 transactions a month. Authorize.net may suit buyers seeking an all-in-one merchant account and payment gateway at $25 per month plus 2.9% + 30¢ per transaction, or a gateway-only plan at $25 per month; eCheck is not included in the all-in-one plan. Plaid is a paid API, web, Android, and iOS option with a free trial for eligible US and Canada teams created on or after April 15, 2026.

Verdict

Choose Nickel if your business needs recurring or same-day ACH, payment links, and developer connections, and if a plan’s transaction and page limits fit your workload. Core makes it easy to start without a subscription, while Plus raises user and transaction capacity at a moderate monthly price. Look elsewhere if unlimited payment pages are essential but Pro’s $300 monthly price is out of reach, or if you need a pricing structure better matched to your payment volume.