Bill.com bills you.
Nickel powers you.

Why pay per user for multi-day payment delays? Nickel offers unlimited free ACH, no per-user fees, and payment processing that keeps your money moving.

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How Bill works

Bill.com is an accounts payable and receivable automation platform designed for businesses managing high volumes of vendor payments and invoice processing. The platform offers workflow automation, approval chains, and integrations with major accounting software.

However, Bill.com's per-user pricing structure quickly becomes expensive for small teams. The platform charges $45-$89+ per user per month, and transaction fees apply to every payment (including $0.59 per ACH transfer and $1.99 per mailed check). Even receiving payments costs $0.59 per transaction if you're not a Bill user.

Bill.com's payment processing times are another critical drawback for small businesses. Standard ACH transfers take 4 business days, and mailed checks take 7-10 days, creating significant cash flow delays. Support channels don't guarantee immediate access to a human representative, which can be challenging when urgent payment issues arise.

How Nickel works

Nickel is an all-in-one cashflow platform for America's core businesses. Nickel helps businesses vet buyers, accept payments, pay vendors and access financing.  
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Nickel offers straightforward plans and a generous free tier that includes key features like unlimited free ACH, accountant support and approvals workflows. You don't pay per user, and you're not charged transaction fees to send and receive ACH payments from customers.

In addition, Nickel provides unparalleled transparency on fund movement and timely support. We understand that every payment is critical to your business and you're never left in the dark.

We don't bundle AP and AR into expensive packages forcing you to pay for features you don't need. With Nickel, you get fast payment processing, responsive support, and transparent pricing built for core businesses from the ground up.

Trusted by 10,000+ industrial small businesses

Top reasons businesses choose Nickel over Bill

From lower fees to unparalleled support, see why business owners are migrating from Bill to Nickel for B2B transactions

Truly unlimited free ACH payments

Send and receive ACH payments for free. No monthly caps or restrictions.

Pay businesses and individuals

Send money to businesses, 1099 contractors or sole proprietors with ease

High value transactions

Process large payments up to $1M each without a hiccup or surprise holds

Digital credit application

Onboard, vet and activate new customers in seconds. No more reference calls or manual work

Payment Advance

Get an advance on unpaid invoices and repay when you're paid

Transparency & live support

Nickel is upfront about the status of your payments and you're never left guessing

4.9 Rating
See all G2 reviews ->

Ranked #1 Easiest to Use Payment Solution by G2

See why Nickel outranks every major competitor, including Square, Melio, and Bill.com

Absolute Gamechanger

Impeccable product, run by better people

Nickel's online payments platform is A+

Great alternative to Quickbooks Pay

Best payments platform for small businesses

We've been with Nickel since day one and I firmly believe that they have the best payments solution for the construction industry. It makes payments between our business, vendors and customers so much easier and faster
Mike Kershner
Owner, ILC Studios

A breeze to implement and integrate

Fast, reliable, and client friendly services

Nickel makes getting paid simple & cost effective

Look no further for a well-integrated, daily payment solution

10/10 from this small business owner

Compare Nickel and Bill.com

Core Features
Nickel
Bill
Pay by card
2.9%
2.9%
Pay by ACH bank transfer
Unlimited & free
$0.59 per transaction
Send checks
$2
$1.99 per check
Built for transactions up to 1m+
Yes
Yes
Dedicated support
Yes
No guarantee
Accounts & Integration
Nickel
Bill
Seats Included
3 free users
$45-89+ per user
2-Way Quickbooks Integration
Yes
Yes
User Permissions
Yes
Yes
Manage multiple businesses
Yes
Yes
Accountant Master Account
Yes
Yes
Accounts Receivable
Nickel
Bill
Request payment via email
Yes
Yes
Branded payments portal & links
Yes
Yes
Request payment via text
Yes
Yes
Partial payments
Yes
Yes
Customize surcharge per request
Yes
No
Requires Plaid
Not required
Optional
Accounts Payable
Nickel
Bill
Vendor onboarding
Yes
Yes
Pay businesses
Yes
Yes
Recurring payments
Yes
Yes
Pay individuals & sole proprietors
Yes
Yes
Scheduled payments
Yes
Yes
Approvals workflow
Yes
Yes
Trade Credit
Nickel
Bill
Digital credit application
Yes
No
Credit report and insights
Yes
No
Credit review & approval workflow
Yes
No
Automated dunning & lien documents
Yes
No
Net terms advance
Yes
No
NICKEL PLATFORM

Explore our products and plans

Run payments, vet new customers and manage trade credit. All in one place.

Get Paid

Vet and activate new customers faster, and automate payments

Bill Pay

Solutions and funding that help you mobilize new projects and ensure prompt payments

Trade Credit

Accelerate customer payments and pay suppliers and contractors with ease

See pricing plans

Onboard your clients today

Enjoy unlimited free ACH bank transfers and powerful payment features for free. Get started ->

Sign up for your account

Link your Quickbooks Online account

Set up users and approvals

Send and receive payments

No monthly fees.
Just unlimited free ACHs.

See why discerning business owners and accounting firms are all switching to Nickel

Switch today
Talk to a human