Nickel provides a transparent cash‑flow platform that lets America’s core businesses send and receive payments in over 135 countries, with unlimited free ACH, same‑day wires, and support for debit, credit, and paper checks. The service includes an AI finance assistant, Penny, which automates invoice follow‑ups, bill approvals, and on‑demand reporting directly from email. Users also benefit from a US‑based support team and integrations with popular business tools.
Funding
$14.7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many core U.S. businesses—such as contractors, retailers, and e‑commerce firms—still rely on fragmented banking tools, hidden processing fees, and unpredictable holds that slow cashflow and increase operating costs.
Solution
Nickel provides a unified cashflow platform that lets businesses send and receive payments domestically and internationally without surprise fees or holds. The service bundles unlimited free ACH transfers, low‑cost card processing, same‑day wire and check handling, and automated invoice and bill‑pay workflows. An AI assistant, “Penny,” operates from the user’s inbox to follow up on unpaid invoices, prepare approvals, and generate reports, reducing the need for a dedicated finance team. Integrated APIs and native QuickBooks connections enable seamless data sync and custom automation. Transparent pricing and a US‑based support team give companies a reliable partner for managing accounts receivable, accounts payable, and working‑capital needs.
Target Audience
Nickel targets small‑ to mid‑size enterprises in the construction, manufacturing, retail, and e‑commerce sectors that need streamlined B2B payments and automated cashflow management.
Features
- Unlimited free ACH transfers for both incoming and outgoing payments
- Low‑cost card processing (2.9% flat) with optional fee‑passing to customers
- Same‑day domestic and international wire transfers, plus paper‑check deposit and mailing
- AI‑driven email assistant “Penny” for invoice follow‑ups, bill approvals, and on‑demand reporting
- Hosted payment pages and branded payment links with QR code support, no coding required
- Vendor onboarding portal that securely collects bank, tax, and identity information
- Full integration with QuickBooks Online, QuickBooks Desktop, major CRMs, and open API/webhooks
- 135+ country payment network supporting card, ACH, wire, and check transactions