Accept credit card and digital payments from
your invoices

Wave makes getting paid fast (we're talking 1 to 2 days-fast1), frictionless, and fun.

A man holding five credit cards, along with a screenshot of a Wave invoice payment confirmation

See money in your bank account faster than ever

Improve your cash flow

Faster payments mean better cash flow. Accept all major credit cards so your customers can pay your invoices online, instantly.

Business receipts software
Calendar showing a payment received within a day
Get paid faster

Get paid in 1 to 2 days1, enhance your brand, and look professional when you enable online payments. With a Pro Plan subscription, get $0 transaction fees on your first 10 transactions each month.

Automatic credit card payments

Get paid every month without lifting a finger. Pro Plan subscribers can customize invoice schedules for recurring customers and charge clients’ cards automatically.

Icon with lock in the middle and checkmark
Safe and secure card payments

Feel confident knowing your business and customer data are protected by 
the highest level of certified bank-grade security practices.

How accepting cards and digital payments works

Simple invoice icon

1. Send your invoices

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

Payment icon

2. Get paid online

Customers can pay instantly by credit card or Apple Pay when they view the invoice online.

Money deposit icon

3. Money is deposited

You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US)1.

Priced right for small businesses

Unlimited invoicing, accounting, and expense tracking are included, 100% free.
Save $20
Save $22
starter
Plan

Just starting your business or looking for the basics? This is the place.

$0
Get started now
  • Create unlimited estimates, invoices, bills, and bookkeeping records

  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0.60 per transaction2.

  • Invoice on-the-go via the Wave app

  • Manage cash flow and customers in one dashboard

pro
Plan
Recommended

Want to look more polished, save more time, and conquer cash flow? It’s Pro time.

$16/month

Billed monthly

$20CAD/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0 for the first 10 transactions of every month*.

  • Auto-import bank transactions

  • Auto-merge and categorize bank transactions

  • Digitally capture unlimited receipts and track expenses

  • Automate late payment reminders

  • And more!

starter
Plan

Just starting your business or looking for the basics? This is the place.

$0
Get started now
  • Create unlimited estimates, invoices, bills, and bookkeeping records

  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0.60 per transaction2.

  • Invoice on-the-go via the Wave app

  • Manage cash flow and customers in one dashboard

pro
Plan
Recommended

Want to look more polished, save more time, and conquer cash flow? It’s Pro time.

$220CAD/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0 for the first 10 transactions of every month*.

  • Auto-import bank transactions

  • Auto-merge and categorize bank transactions

  • Digitally capture unlimited receipts and track expenses

  • Automate late payment reminders

  • And more!

Processing fees

Credit Cards

starter
Plan
2.9% + $0
per Visa or Mastercard (plus Discover in the US) transaction
3.4% + $0.60
per Amex transaction
pro
Plan
Recommended
2.9% + $0
per Visa or Mastercard (plus Discover in the US) transaction
3.4% + $0.60
per Amex transaction
for the first 10 transactions each month, followed by Starter Plan rates 👈
A headshot of a Wave customer

Most of my clients pay with credit cards using the secure link on the invoice. That is a massive time saver and helps me get paid faster!

Estelle Tracy - 37 Chocolates

Speed up your cash flow.

Start now

See all Payments features

  • Simple fee structure with low rates and no hidden fees
  • All major cards accepted: Visa, Visa Debit, Mastercard, Mastercard Debit, and American Express
  • Compatible with Apple Pay
  • Get paid within 1-2 business days for credit card payments and 1-7 business days for bank payments1
  • Accept credit card payments over the phone, online, or in person
  • Set up recurring billing with automatic payments for your repeat customers with the Pro Plan
  • Bank-grade security for all online payments
  • Automate bookkeeping: payments connect seamlessly with your Wave account

Even more ways to get paid: Bank payments

Make it easier for your customers to pay you right from their bank account. It’s included for you in Wave Payments.

Learn more about bank payments
A hand depositing money into a bank

1 Payouts are processed in 1-2 business days for credit card payments and 1-7 business days for bank payments. Deposit times may vary due to processing cutoff times, third party delays, or risk reviews.

2Rates are 1% for bank payments (minimum fee of $1). For information on credit card rates, visit Pricing for details.

*Active subscription required. While subscribed to Wave’s Pro Plan, get 2.9% + $0 (Visa, Mastercard, Discover) and 3.4% + $0 (Amex) per transaction for the first 10 transactions each month. Over 10 transactions per month at 2.9% + $0.60 (Visa, Mastercard, Discover) and 3.4% + $0.60 (Amex) per transaction. Discover processing is only available to US customers.

​​A few notes about accepting online payments through Wave: 

Approval is subject to eligibility criteria, including identity verification and credit review. Payments are a pay-per-use feature; no monthly fees here! Your deposit times may vary based on your financial institution. All payments are subject to a risk review and periodic credit risk assessments are done on business owners because we need to cover our butts (and yours). In some cases, we may hold funds and request more information if we need it for the protection of your business and Wave's. 

Instant Payout is an additional service offered by Wave subject to user and payment eligibility criteria. A 1% fee is applied to the amount you withdraw from your available balance, in addition to regular processing fees. The minimum withdrawal amount is $25. Deposits are sent to the debit card linked to your account in up to 30 minutes. Deposit times may vary due to processing cutoff times or third party delays.

Frequently Asked Questions

Is Wave's software something I need to install?

What if I just want to try Wave to see if it works for my business?

Can I change plans easily?

Is my data secure when I use Wave?

Do you provide customer support?

Is it easy to cancel for any reason after I subscribe?

Icon with lightning bolt representing speed
Get your money faster with online payments.
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