Nickel is a small business banking and accounts receivable platform that gives accountants, freelancers, and SMBs business checking, integrated invoicing, automated payment reminders, and accounts receivable tracking in a single account. Marketed as business banking with built-in accounts receivable, Nickel combines FDIC-insured business checking accounts, branded invoices with online payment links, automated late-payment reminders, customer aging reports, and direct integrations with QuickBooks Online and Xero. Nickel is a strong fit for accounting firms managing client cash flow, freelancers consolidating banking and invoicing, and small business owners replacing the patchwork of bank account plus separate invoicing software with one platform.