Build business success with Wave and Ownr

Create your free Wave account now and start managing your financial health with powerful accounting and invoicing tools.

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If your country isn’t on our list, you can still use Wave’s 100% free invoicing and accounting software to run your business better.

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Get these great financial tools with your free Wave account

A suite of products that work seamlessly together to simplify the lives of business owners like you.

Accounting Free

Truly understand and manage your income and expenses. Track everything and connect to other Wave products such as payroll, payments, and invoicing. Everything is automated and in one perfect package.

More about accounting

Payroll Monthly

Managing payroll can be tedious and time-consuming, but it doesn’t have to be. Run your payroll in minutes, with 100% guaranteed accuracy, and say goodbye to the unnecessary stress of payroll taxes.

More about payroll

Payments Pay-per-use

Get paid in as fast as 2 business days, enhance your brand, and look more professional when you enable Payments by Wave. Accept credit cards and bank payments on your invoices for as little as 1% per transaction.

More about payments

Invoicing Free

Every invoice paid is positive incoming revenue for your business. Wave enables you to easily create and send professional invoices, with advanced features like recurring billing and automatic payments.

More about invoicing

Pricing

Unlimited invoicing, accounting, and receipt scanning

Track your expenses, send invoices and balance your books
 without monthly charges or hidden fees. No free trial either—
Wave’s software is always free.

Highfive

Affordable pay-per-use services

Add affordable financial services like online payment processing and payroll. Use only what you need, when you need it, and only pay for what you use. No long contracts or commitments.

Credit card


2.9% + 30¢
per transaction

  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice

Credit card


2.9% + 30¢
per transaction

  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice

Credit card


1.4% + 20p
per transaction for European issued cards

2.9% + 20p
per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


1.75% + 30¢
per transaction for Australian issued cards

2.9% + 30¢
per transaction for non-Australian issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


2.9% + NZ$0.30
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


2.9% + CHF0.30
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


1.4% + €0.25
per transaction for European issued cards excluding VAT

2.9% + €0.25
per transaction for non-European issued cards excluding VAT

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


1.4% + 1.80kr
per transaction for European issued cards

2.9% + 1.80kr
per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


2.4% + 2kr
per transaction for European issued cards

2.9% + 2kr
per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


3.4% + HK$2.35
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card


3.4% + $0.50
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Bank payments


1%
per transaction ($1 minimum fee)

  • Get paid out in 2-7 business days
  • Customers pay right from their bank account

Bank payments


1%
per transaction ($1 minimum fee)

  • Get paid out in 2-7 business days
  • Customers pay right from their bank account

Manage your payroll easily

Monthly Fee
Details

Tax service states

California, Florida, New York, Texas, Illinois, and Washington

$35 monthly base fee
+ $4 per active employee
+ $4 per independent contractor paid

Wave handles your payroll taxes.

These six states include tax services from Wave. This means we automatically transfer tax payments and file the paperwork with your state tax office and the IRS.


Self service states

All other 44 states

$20 monthly base fee
+ $4 per active employee
+ $4 per independent contractor paid

Wave makes filing your own payroll taxes easy.

The remaining 44 states are self-serve, which means you’ll have to pay and file the paperwork yourself. Wave makes it easy by showing you what information and how much money you’ll need per payroll.

Monthly Fee
Details

Available in all provinces and territories, except Quebec
$20 monthly base fee
+ $4 per active employee
+ $4 per independent contractor paid

Your monthly price includes direct deposit, T4s, full tax remittances to the CRA, and Wave’s payroll accuracy guarantee.

Trust us to help you grow your business

4+ million
customers
$200+ billion
in income and expenses
$20+ billion
in invoices sent annually
4.5 stars
rated by G2 Crowd
  • Is Wave part of ownr?

    No, Wave is an independent Canadian company. Like Ownr, Wave exists to make it easier for entrepreneurs to set up and succeed in business, so it made sense for us to partner and tell you about our services.

  • Does Wave work with my bank?

    You can connect nearly 10,000 different bank and credit card accounts with Wave, so that your transactions import automatically to make your bookkeeping simple. Wave also has a special integration with RBC, making it possible to log into Wave right from your RBC Online Business Banking dashboard.

  • 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 4 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.