Accept EFT payments

Accept bank payments for only 1% per transaction and get paid out in 2-7 business days. Save invoices, customer information, and billing details with Wave.

Send your invoices

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

Get paid online

Customers can pay instantly by secure bank payment when they view the
 invoice online.

Money gets deposited

You’ll receive the money in your bank account in 2-7 business days.

Don’t just take our word for it. Wave has helped over 2 million small business owners take control of their finances.

I was never confident about the financial aspects of running my own business but since discovering Wave, I was massively relieved to find a service that makes invoicing and payments so straight forward. It allows me to get on with the stuff that I enjoy and am good at!

Chris Smith - Owner, Manoeuvre Media

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Low cost bank payments

1% per transaction ($1 minimum fee). Get paid out in 1-6 business days. Customers pay right from their bank account. Explore bank payments

Faster payments, better cash flow

Get paid in as fast as 2 business days. Store all invoices and customer data to make billing easier. Accept bank payments for 1% per transaction.

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 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 when I use Wave?

Completely. Our servers are protected physically and electronically. Any connections between you, your bank accounts, and Wave are 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 features and services from Wave. Full details on how Wave support works are available here.

Start accepting payments today.

Give your customers the convenient option to pay your invoices right from their bank account for only 1% per transaction.