Beautiful invoices that get paid 3x faster

Send branded invoices with Wave for free, and make it easier for your customers to pay.

Free to send

Up to 40 per day. Quick and easy. Customizable. Automated reminders.

Faster payouts

Keep cash flow steady. Majority of payouts within 2 business days.

Fair pricing

No monthly fees. No surcharges. Low flat rates. Processing fees returned with refunds.

Don’t just take our word for it. Wave has helped over 1 million small business owners take control of their finances.

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

Create your first invoice in seconds.

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Sending Invoices 

  • Recurring invoices save you time
  • Automated reminders get you paid
  • Free mobile app to invoice on the go

Online payments

  • Get paid out in 2 business days
  • Customers pay with any major credit card right from your invoice
  • Save credit card details and schedule automated payments

Bank payments (EFT) 

  • 80% paid out within 2 business days
  • Offer more payment options to get paid faster
  • Works with most bank accounts

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.

Over $24 billion in Wave invoices sent each year. 100% secure payments.

Create your free account and start accepting online payments now.