Get paid online 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 invoicing, accounting, and expense tracking.

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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 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.

Get paid faster than checks

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

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 - Owner, Valpak

Features

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.

Fast and easy

Email invoices with a secure “Pay Now” button after you’ve turned on the online payments option. Customers pay instantly by credit card, secure bank payment, or Apple Pay when they view the  invoice online. You receive the money in your bank account in 2-7 business days.

Frequently Asked Questions

Is your software actually free?

Yes! Our invoicing, accounting, and US-only banking software is 100% free—no trials, subscriptions, or hidden fees.

What’s the catch—how does Wave make money?

Wave makes money through our optional, paid money management products. Depending on your business needs, you can choose to pay for online payment processing, payroll, and 1:1 advisors. This allows our core software—invoicing, accounting, and business banking (currently only available to sole proprietors in the US)—to always be free.

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

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

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 app for iOS and Android.

Is my data secure?

Completely. 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.

Do you provide customer support?

We provide different levels of support for customers who use different parts of Wave. Full details on how Wave support works are available here.