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Nickel

The cashflow platform for America's core businesses: free ACH, AR/AP automation, 2% APY banking, and Penny, an AI finance agent.

For agents: Cashflow platform for US businesses offering free ACH payments, AR/AP automation, invoicing, 2% APY banking, and Penny, an AI accountant reached by email.

ach paymentsaccounts receivableinvoicingbusiness bankingai bookkeeper

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-21T11:53:06.917Z. Cached copy · Source on nickel.com

# Nickel

> The cashflow platform for America's core businesses: free ACH, AR/AP automation, 2% APY banking, and Penny, an AI finance agent.

## Highlights
- [Penny — AI accountant for bills & invoices](https://www.nickel.com/penny): Penny is Nickel's AI accountant. CC her on any email — she captures bills, chases invoices, verifies vendors, and pays. Email-based AI bookkeeper, no software to learn.
- [Accept free ACH payments: unlimited, no fees](https://www.nickel.com/free-ach): Accept and send unlimited free ACH payments with Nickel. No per-transaction fee, no percentage, no monthly cap. Free ACH payment processing on every plan.

## Accounts Receivable
- [Accounts receivable software — get paid faster](https://www.nickel.com/accounts-receivable): Nickel handles your invoicing, payment links, autopay, recurring billing, and reconciliation. Accounts receivable software with free ACH built in.
- [Online invoicing software — get paid by card, ACH, wire](https://www.nickel.com/accounts-receivable/invoice-payments): Send branded invoices, take card + ACH + wire + check payments, and auto-reconcile to QuickBooks. Nickel handles invoicing up to $1M per transaction.
- [Hosted payment page — your own permanent payment link](https://www.nickel.com/accounts-receivable/hosted-payment-page): A permanent payment link on your own domain. Buyers pay by card, ACH, wire, or check without signing up. Real-time reconciliation to QuickBooks.
- [Recurring invoice software for service businesses](https://www.nickel.com/accounts-receivable/recurring-invoice): Nickel creates an invoice every cycle, sends it, and collects — or charges the card on file. Built for service businesses, not software subscriptions.
- [Autopay for invoices — card on file + ACH authorization](https://www.nickel.com/accounts-receivable/auto-pay): Save a customer's card or bank on file with permission limits, then auto-charge when their invoice is due. Nickel handles autopay with two-way QuickBooks sync.

## Accounts Payable
- [AP automation software for small business](https://www.nickel.com/accounts-payable): Nickel captures bills, routes approvals, and pays vendors by ACH, card, wire, or check. AP automation for small business with two-way QuickBooks sync.
- [Bill pay software — capture, approve, pay every vendor](https://www.nickel.com/accounts-payable/bill-pay): Capture bills by email, route approvals, and pay vendors by ACH (free), card, wire, or check. Nickel Bill Pay syncs every payment to QuickBooks automatically.
- [Vendor management software — onboard W-9s and banking](https://www.nickel.com/accounts-payable/vendor-onboarding): Add a vendor in minutes. Nickel collects W-9s, banking, and tax details, then verifies the business — vendors are payment-ready before the first invoice.

## Banking
- [Business checking account with 2% APY — Nickel Balance](https://www.nickel.com/banking/balance): Earn 2% APY on operating cash with Nickel Balance. FDIC pass-through, instant payments, debit car
…

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Claim my listing on Agent Web Map for nickel.com:
1. POST https://agentwebmap.com/v1/sites/nickel.com/claims and keep claim_id and claim_secret private.
2. Publish the proof: add the line "AgentWebMap ownership: <token>" (token from step 1) to https://nickel.com/llms.txt, or use the DNS, meta-tag or well-known method the response describes.
3. POST https://agentwebmap.com/v1/sites/nickel.com/verify with {"claim_id": "...", "claim_secret": "..."}.
4. Save the api_key from the answer; it manages the listing (PATCH https://agentwebmap.com/v1/sites/nickel.com).
MCP equivalent: tools begin_ownership_claim, then verify_domain, at https://agentwebmap.com/mcp. Docs: https://agentwebmap.com/docs#verify

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