Square is for checkout. Nickel runs your business

Tired of ACH fees, payment holds, and slow approvals? Nickel gives you unlimited free ACH, handles large transactions with ease, and offers real support when it counts

Get Nickel
Talk to a human

How Square works

Best known for its card readers and POS tools, Square works well for retail and restaurant payments. But for businesses handling large invoices or managing both sides of the payment flow, it quickly shows its limits.

Square charges 1% on ACH transfers and has limited support for vendor payments, approvals, or credit workflows — making it hard to manage cash in and cash out in one place.

Nickel gives you unlimited free ACH, full AP/AR tools, credit checks, and real human support — all built for business-to-business payments.

How Nickel works

Nickel is an all-in-one cashflow platform for B2B businesses. Nickel helps businesses vet buyers, accept payments, pay vendors and access financing.  
‍
Nickel offers straightforward plans and a generous free tier that includes key features like unlimited free ACH, accountant support and approvals workflows.

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.

Trusted by businesses in brick & mortar industries

Top reasons businesses choose Nickel over Square

From lower fees to unparalleled support, see why business owners are migrating from Square 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 Square

Core Features
Nickel
Square
Pay by card
2.9%
2.9%+.$30 per transaction
Pay by ACH bank transfer
Unlimited & free
1% transaction fee
Send checks
$2
No
Built for transactions up to 1m+
Yes
No
Dedicated support
Yes
Limited without paid plan
In-person Retail POS System
No
Yes
Accounts & Integration
Nickel
Square
Seats Included
3 free users
Unlimited
2-Way Quickbooks Integration
Yes
No
User Permissions
Yes
Limited
Manage multiple businesses
Yes
No (Separate accounts needed)
Accountant Master Account
Yes
No
Accounts Receivable
Nickel
Square
Request payment via email
Yes
Yes
Branded payments portal & links
Yes
Yes
Request payment via text
Yes
Yes
Partial payments
Yes
No
Customize surcharge per request
Yes
No
Requires Plaid
Not required
Requires manual verification if Plaid not used
Accounts Payable
Nickel
Square
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
Square
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