Question 1

Is ACH really free?

Accepted Answer

Yes. Every ACH transfer is **$0**, with no per-month cap and no setup fees.

Question 2

How fast do payments hit my account?

Accepted Answer

ACH lands in **2 business days**. Card payments are faster but carry a flat 2.9% processing fee.

Question 3

Does Nickel sync with QuickBooks?

Accepted Answer

Native sync for **QuickBooks Online** and **QuickBooks Desktop**. Invoices, payments, and reconciliation flow automatically into the right customer, project, and job.

Question 4

What if my customer doesn't have a Nickel account?

Accepted Answer

They don't need one. They pay through a secure link by **card, ACH, wire, or check** — no signup required on their side.

Question 5

Are there setup fees or monthly minimums?

Accepted Answer

No setup fees, no monthly fees, no minimums. We make our money on a small markup on **card / wire / check** processing — never on ACH.

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Frequently asked questions