ACH Payments vs Nickel

ACH Payments provides paid ACH and credit or debit card processing through a web virtual terminal and API. The terminal handles single, future-dated, and recurring payments, with scheduling, recurring billing, user permissions, customizable receipts, and exportable reports. Website tools create hosted payment pages with custom fields for one-time or recurring charges. Its QuickBooks module supports ACH and card transactions, recurring or one-time payments, reporting, and tokenization. A ChurchSquare integration updates payment histories in ChurchSquare while activity remains trackable in the virtual terminal. The company says tokenization replaces bank-account data so it need not sit on client servers or databases. The terminal is described as Level 1 PCI compliant and lists address, velocity, checking-account, and identity verification tools. ChurchSquare special pricing is $0.35 a month, billed as $20.00 monthly for three accounts plus reporting and 800# support, with additional transaction and return fees specified.

Nickel is web software for businesses using ACH payments and payment pages. It lists recurring ACH payments, ACH credit support, same-day ACH, payment links, API access, and webhook support, with a listed ACH transaction limit of $1,000,000. Nickel Core costs nothing and includes 3 active users, a $25,000 transaction limit, 1 payment page, and unlimited bills per month. Nickel Plus costs $35 per month, with annual billing offering a stated 20% saving; it includes unlimited users, a $1 million transaction limit, 5 payment pages, and unlimited bills per month. Nickel Pro costs $300 per month when billed monthly, with unlimited users, a $1 million transaction limit, unlimited payment pages, and unlimited bills. A 14-day trial is listed. Nickel is headquartered in Brooklyn, New York.