ACHPAY.AI vs Nickel

ACHPAY.AI combines payments, accounting, CRM and marketing in a web and API platform. Its offerings include ACH billing, credit card processing, accounting software and recurring billing software. ACH billing supports recurring charges, configurable subscription intervals, prorations, upgrades and downgrades. Bank accounts can be linked through Plaid or micro-deposits, and the service offers payment links and next-day funding options. ACH fees are listed as starting at 0.35% and capped at $5.00 per transaction; the ACH processing plan is $0.35 per contact, up to $5.00 per transaction. Payments can be matched to invoices automatically and synced with accounting software. The billing API supports subscription schedules, one-off and recurring invoices, tax calculation and webhook events. Pre-built integrations listed are QuickBooks, Xero and HubSpot. Risk controls include underwriting, KYC/AML compliance and fraud monitoring. The maker states it uses 256-bit encryption, tokenized bank information, continuous security monitoring and penetration testing, and claims NACHA compliance, PCI DSS Level 1 and automated SOC 2 Type II compliance reporting. A free trial is offered, with duration unstated; pricing is on request.

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.