Nickel vs. SumUp Comparison


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With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently. 111 Ratings Visit Website Monk Monk is an AI-native accounts receivable platform that automates invoice to cash for B2B finance teams: invoicing, AP portal submission, collections and cash application, on top of your existing ERP. Across the $2B+ in receivables Monk manages, 92% of enterprise invoices have to be submitted through a corporate AP portal rather than paid from an emailed invoice. Monk submits into more than 600 of them, including Coupa, Ariba and SAP Business Network, and uploads 87% autonomously. Julia, the Monk agent for Intelligent Collections, reads customer replies and responds to what was written rather than advancing a fixed dunning sequence. 90% of invoices resolve without escalation. Email sends from your own mailbox via Gmail or Microsoft 365, so there is no new sending domain. Payments match to open invoices at 80%, rising to 95% with rules your team configures. Connects to QuickBooks, NetSuite and Dynamics 365 Business Central. Live in one to three days. SOC 2 Type II. 8 Ratings Visit Website Xero Save 80% for 4 months on Xero's award-winning accounting and online bookkeeping platform for businesses of all sizes and stages of growth. Beautifully simple, Xero covers a wide range of features that help businesses manage their finances effortlessly, including invoicing, inventory, bank connections, payroll, reporting and more. Xero also offers users free online support 24/7. Xero offers a robust ecosystem of connected apps and integrations with banks and financial institutions, enabling small businesses to access a wide range of solutions within Xero's open platform to streamline operations and manage finances. 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About Nickel is an all-in-one accounts payable and accounts receivable platform that helps B2B businesses grow their cashflow. Get paid faster with branded payment links and portals — customers pay by card, ACH, or check, and never need an account. Pay any vendor, contractor, or individual by ACH, card, wire, or mailed check using just their email, with custom approval workflows. Keep more of every dollar with free unlimited ACH, no monthly fee, no chargeback fees, and 2.9% flat-rate card processing you can pass to the payer. Native QuickBooks sync matches every payment to your books one-to-one, and idle cash earns 2% APY with Nickel Balance. We only succeed when you succeed, which is why we do the one thing our peers won't: publish exactly how we make money on every product. More than 25,000 B2B businesses, and the accountants who serve them, run their cashflow on Nickel. Get started free in five minutes — no credit card required.	About Card payments made simple with SumUp. The most affordable way for your business to get paid. Pay only 2.75% per transaction, without any contracts or monthly minimums. Transparent pricing at its best. Best-in-class payment solutions that deliver money directly in your bank account in just 1-2 business days. Get started in less than 5 minutes. Just pair the card reader with any mobile device or tablet and start transacting. At SumUp, we believe in transparent pricing. That’s why you’ll always know exactly what you have to pay. There are no hidden fees, no monthly fee, and best of all no monthly contract. Only pay for what you use. Every day, over a million businesses like yours rely on SumUp to get paid. Find out for yourself how SumUp can help your business grow.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported
Audience Construction, Manufacturing, Wholesale, Distribution, Small Business	Audience Companies of all sizes that want to get paid easier
Support Phone Support Supported 24/7 Live Support Supported Online Not Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing Free Nickel Core plan is free, Nickel Plus starts at $35/month paid annually, and Nickel Pro which allows API access is $300 per month Free Version Supported Free Trial Supported	Pricing 2.75% transaction fee 2.75% per transaction + $69 for the SumUp EMV Reader Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 4.9 / 5 ease 5.0 / 5 features 4.8 / 5 design 5.0 / 5 support 5.0 / 5 Read all reviews	Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software
Pros & Cons from Real Users Pros Everything: it is easy to use, they have excellent support (always there to help), they are always improving their system to be better, they have new features that can help us grow our money, and also pay faster. Everything is great. Nickel makes handling both receivables and payables incredibly easy for my aviation insurance brokerage. Payments are simple to send and collect, funds arrive quickly, and the cost is extremely competitive compared with other platforms I've used. The service has also been very reliable, and on the few occasions I've needed support, I've gotten a helpful response and a quick resolution. API to integrate directly with our CRM Great payment UI Ability to do partial payments Ability to add cc fees Nickel makes handling both Accounts Payable (AP) and Accounts Receivable (AR) simple. I like that I can send and receive ACH payments completely for free. It also lets me pass credit card processing fees directly to the customer, which saves my business a lot of money. Nickel is incredibly easy to use, and their customer support is top notch. Best of all, our vendors and customers consistently tell us how much they appreciate the smooth payment experience on their end. Cons I like everything :) We haven't encountered any cons with them, and if something happens, they are always there to help and resolve any issues. My complaints are pretty minor. The two things I'd most like to see are a direct Xero integration and API access included at a lower subscription tier. Neither is a dealbreaker. I can work around both in my day-to-day operations, but either would make an already excellent product even better. I have been having some issues with the webhooks but nothing major and they have been very responsive They do not offer international payment options right now. They also don't allow you to transfer funds between internal Nickel accounts directly. Honestly, nothing significant comes to mind. The platform has been straightforward and easy to use from day one, and any questions we've had were quickly resolved by their support team.
Training Documentation Supported Webinars Supported Live Online Supported In Person Supported	Training Documentation Not Supported Webinars Not Supported Live Online Not Supported In Person Not Supported
Company Information Nickel Founded: 2021 United States www.nickel.com	Company Information SumUp Founded: 2012 United Kingdom sumup.com
Alternatives Melio	Alternatives Flatpay
Balance	Ingenico TETRA Ingenico
EBizCharge	PayPal Point of Sale PayPal
BlueSnap	Cashflows
PayPal View All	Mollie View All
Categories B2B Payment Supported Contractor Payment Supported Payment Gateways Supported Payment Processing Supported Sales Tax Supported	Categories Credit Card Processing Supported Payment Gateways Supported Payment Processing Supported Point of Sale Supported
Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Not Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported Show More Features Sales Tax Features Address Validation Not Supported Audit Trail Supported Consumer Use Tax Not Supported Exemption Management Not Supported Tax Calculator Not Supported Tax Filing Not Supported Taxability Verification Not Supported Transaction Tracking Not Supported Value Added Tax (VAT) Not Supported	Payment Processing Features ACH Check Transactions Not Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Supported Receipt Printing Not Supported Recurring Billing Not Supported Signature Capture Supported Show More Features Credit Card Processing Features Cash Transactions Supported Contactless NFC Supported Electronic Receipts Not Supported Electronic Signature Not Supported Mobile Card Reader Supported PCI Compliance Not Supported
Integrations App Emporio EDelivery Not Supported App4 Not Supported Barberly Not Supported Codat Not Supported Commusoft Not Supported LithosPOS Not Supported Little Box Office Not Supported NewCart Not Supported Nory Not Supported Nutickets Not Supported Orderry Not Supported QuickBooks Desktop Premier Supported QuickBooks Desktop Pro Supported RentSyst Not Supported Salesforce Supported Smoobu Not Supported Sole Not Supported StockTake Online Not Supported Tilby Not Supported Wplino Not Supported Show More Integrations View All 6 Integrations	Integrations App Emporio EDelivery Supported App4 Supported Barberly Supported Codat Supported Commusoft Supported LithosPOS Supported Little Box Office Supported NewCart Supported Nory Supported Nutickets Supported Orderry Supported QuickBooks Desktop Premier Not Supported QuickBooks Desktop Pro Not Supported RentSyst Supported Salesforce Not Supported Smoobu Supported Sole Supported StockTake Online Supported Tilby Supported Wplino Supported Show More Integrations View All 28 Integrations
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