Nickel vs PayJunction ACH Payment Processing

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.

PayJunction ACH Payment Processing stores and processes bank-to-bank ACH transfers, including recurring payments. Merchants can use it for one-time payments or recurring account recharges, while the system can flag rejected transactions, update outdated information and export failed-payment lists for follow-up. Customers can authorize an ACH payment and sign a digital receipt on a desktop or smartphone; signed authorization forms are stored for at least two years. PayJunction says merchants can receive next-day ACH funds and process ACH as often as needed without a monthly fee. The service includes API access, webhooks, browser-based integration and a Zapier connection to over 7,000 apps. Its API supports ACH electronic-check transactions and requires TLS 1.2. PayJunction describes encryption and PCI compliance. Access is listed through API, extension, iOS and web. Standard and Surcharge each cost $0.75 a month billed month-to-month, with transaction rates listed separately. There is no free plan.