Finance makes money off you in the dark.

We show you how every dollar is made.

The receipts are below. ↓

Ways finance makes money off you.

No one has ever shown you a receipt.

  • Tolls when your move money

    ISOs, resellers, and middlemen each add markups you don't see.

  • Float while your money sits

    Your money earns interest every day, but you see almost none of it.

  • Interest when you borrow money

    You jump through hoops for an APR that's never explained.

We show you the receipts.

Nickel is not a payment processor or finance company. We're a cashflow platform that succeeds when you do. That starts with transparency. And showing you how we make every dollar.

Pick a product
We charge
$29.00
Our costs
$26.90
=
We keep
$2.10
We charge$29.00
We pay the issuing bank*−$24.00
We pay the card network−$0.30
We pay for infrastructure−$1.50
We pay for fraud & disputes−$1.00
We pay for compliance & ops−$0.10
Nickel keeps$2.10
$24.00

* Based on trailing 12 months average. Per transaction interchange for Visa ranges from 2.1% to 2.6% depending on card used.

Cashflow is the lifeblood of every American business. But the financial services you rely on to move, save, and borrow money quietly bleed it.

Nickel is a different kind of company.

We're a cashflow platform that gives you the financial products, software, and AI your business needs to grow its cashflow.

We only succeed when you succeed.

That means we're on your side. And being on your side starts with showing you exactly how we make money.

So we're doing the one thing our peers can't and won't do. We're publishing how we make every dollar, on every product.

It's not a marketing stunt.

It's a commitment to our customers and an audacious new bar we're setting for the industry.

Hold us accountable for that bar and don't ever settle for less.

Ray Fu
Ray FuCo-founder & CEO
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