Accounting, invoice and payments software

Wave's suite of free financial software makes running your business easier. Send invoices, track expenses, accept online payments and run payroll all in one place.


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Wave's award-winning financial software

Everything you need in one place

With Wave, your invoices and payments automatically flow into your accounting records. You’ll never lose track of payments again, and you’ll be all set at tax time.

Give your customers what they want

Your customers don't want to pay with checkcheques. Only 15% of purchases are made by checkcheque, and that number is going down. Bank payments (ACH)(EFT) are easy and online, with no credit card required.

Get paid faster than checkscheques

Get your money in 2-77 business days when your customers use bank payments (ACH)(EFT). Faster payments mean better cash flow.

Small Business owners love Wave

Rated 4.4 out of 5 stars by G2 Crowd
4.4 out of 5 stars

The ratings above are based on user reviews
collected by G2Crowd as of June 2017.

Wave at a glance

income and expenses tracked
in invoices sent annually
Photo of Wave user Omar Ochoa
Wave = Love. I never knew what I was missing before I tried Wave Payments. Chasing money and doing the books is awful. With Wave Payments, business is fun again.
Omar Ochoa,Valpak of Greater Houston


Low fees, no surprises

Pay only for the transactions you process—no hidden fees or monthly charges, with simple-to-understand fees: just 1% per transaction, $1 minimum fee.

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Low fees, no surprises

Safe and secure

Our servers are protected physically and electronically. Any connection between you, Wave, and your bank or credit card company is protected by 256-bit SSL encryption. Payments by Wave is a PCI-DSS Level 1 Service Provider.

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Safe and secure

How it works

Send your invoices Send your invoices
Send your invoices

Email invoices with a secure “Pay Now” button after you’ve turned on the online payments option.

Get paid online
Get paid online

Customers can pay instantly by credit card or secure bank payment (ACH)(EFT) when they view the 
invoice online.

Money gets deposited
Money gets deposited

You’ll receive the money in your bank account in 2-77 business days.

Get started with your free Wave account today


By signing up, you agree to the Terms of Use and Privacy Policy.