Accept bank payments for only 1% per transaction

Accept bank payments for only 1% per transaction and get paid out in just 2-7 business days. Your 100% free Wave account includes unlimited invoicing, accounting, and expense tracking.

Create your free account
Inc. Magazine

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 cheques. Only 15% of purchases are made by cheque, and that number is going down. Bank payments are easy and online, with no credit card required.

Get paid faster than cheques

Get your money in 2-7 business days when your customers use bank payments. Faster payments mean better cash flow.

Wave at a glance

3.5+ million
$200+ billion
in income and expenses
$20+ billion
in invoices sent annually
4.5 stars
rated by G2 Crowd

"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

Start accepting bank payments today

How it works

Allow your customers to pay via credit card & bank payments

Send your invoices

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

Wave's online payment form

Get paid online

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

Credit card payment received

Money gets deposited

You’ll receive the money in your bank account in 2-7 business days.


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.

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.

Payments Bank Secure