Accept credit cards, no subscription

Accepting payments online is the best way for businesses to get paid faster. Start accepting online payments today, no monthly fees.

Inc. Magazine

Faster payments

Get paid 3x faster with online payments than with checks. That’s great for cash flow, and your customers will love the convenience.

Increased sales

Sales grow when you accept credit cards. In one survey, 83% of small businesses that accepted credit cards saw increased sales.

Happy customers

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

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

"My business is able to accept credit cards through my free accounting software from @WaveHQ and the charges are lower than PayPal."

Kelvyn, KSDigital

Speed up your cash flow with Payments by Wave


More ways to get paid

Customers love the convenience of having different payment options. Add credit card payments to your invoices so you’ll get paid faster and make your customers happy.

Invoice on our mobile app

Low fees, no surprises

Pay only for the transactions you process—no hidden fees or monthly charges, with simple-to-understand fees: just 2.9% + 30¢ for credit card payments, and 1% per transaction ($1 minimum fee) for bank payments.

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
  • Is your software actually free?

    Yes really, no tricks! Our software is 100% free, no trials, no limitations, and no hidden fees. Use it as much as you want, for as long as you want, and we won’t charge a cent. Our free software includes invoicing, accounting, and receipt scanning.

  • What’s the catch? How does Wave make money?

    Wave makes money from financial services that make running your business faster. We offer payroll services in Canada and the U.S. at a super affordable price. We also allow businesses to accept payments online so you can get invoices paid faster; we charge a competitive 2.9% + 30¢ fee to process credit cards, and 1% for bank payments (where available).

  • Do you provide support?

    Yes! We’re ready to answer all your questions with email support for all software (invoicing, accounting and receipt scanning). Live chat support is available for our paid financial services (Payments and Payroll).

  • Is my data safe?

    Completely safe. Our servers are protected physically and electronically. Any connection between you and Wave is protected by 256-bit SSL encryption. Wave is a PCI-DSS Level 1 Service Provider.

  • Is Wave going to be around?

    We’ve got staying power. Wave has served over 3.5 million customers and tracked over $180 billion in income & expenses since 2010.

  • Do I need to install any software?

    Wave is 100% web-based, so you just need an internet connection and browser.

    You can, however, download and install our mobile invoicing and receipt scanning apps for iOS and Android.

  • Do I need to enter my credit card details to sign up?

    Put your wallet away, you won’t need to enter in any credit card ever, unless you want to use our payroll service. Just create your account and get started for free.