Create and send professional invoices

Online payments =
on-time payments

Create and send professional invoices

Create an invoice in seconds with beautiful, customizable templates. Build and send a professional invoice today and get paid fast!

Create an invoice in seconds with beautiful, customizable templates. Build and send a professional invoice today and get paid fast!

Everything you need.
Nothing you don't.

Our money management tools are easy to use separately and more powerful together.

Invoicing

Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the low, low price of FREE.

Stop chasing clients for money

Quickly create and send unlimited invoices, look like a pro with customizable templates, and get paid fast with online payments.

Learn more about Invoicing
Wave Payments Features

Payments

Get paid faster

Convenience is everything. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments

Accounting

Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say #sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting
Wave Payroll Features and Dashboard

Payroll

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll
Illustration showing mentor profile

Advisors

Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you.

Learn more about Wave Advisors

Impress your customers with professional invoices

Create customizable invoices from templates with easy drag-and-drop editing. Add your logo, notes, and other personal touches.

Invoice your customers anytime, anywhere

Send invoices on the go with our mobile app. Watch your billing and payment information magically appear in your accounting records.

Save time, get paid faster with automatic billing

Bill your repeat customers automatically with fully customizable scheduling. Add credit card payments to get paid an average of 17 days faster. With our online payments feature, you can automate late payment reminders and let us be the bad guy.

  • Stay in the driver's seat
  • Feel like a pro
  • Breathe that sigh of relief

Impress your customers with professional invoices

Create customizable invoices from templates with easy drag-and-drop editing. Add your logo, notes, and other personal touches.

Invoice your customers anytime, anywhere

Send invoices on the go with our mobile app. Watch your billing and payment information magically appear in your accounting records.

Save time, get paid faster with automatic billing

Bill your repeat customers automatically with fully customizable scheduling. Add credit card payments to get paid an average of 17 days faster. With our online payments feature, you can automate late payment reminders and let us be the bad guy.

One less thing to worry about

Your free Wave account gets you access to all this and more:

  • Heart icon

    A user-friendly dashboard built for you, not your accountant.

  • Folder icon

    Peace of mind that you’re always organized ahead of tax season.

  • Plant icon

    A complete picture of your business health, wherever you are.

  • Icon of several people

    Our in-house team of bookkeeping, accounting, and payroll coaches.

Everything you need.
Nothing you don't.

Our money management tools are easy to use separately and more powerful together.

Invoicing

Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the low, low price of FREE.

Learn more about Invoicing
Wave Payments Features

Payments

Get paid faster

Convenience is everything. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments

Accounting

Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say #sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting
mobile with banking app open with image of a notification and the Wave Money card

Banking

Bye bye bookkeeping

Wave Money automatically syncs your expenses and income with our accounting software. We accept thank yous in the form of giant cookies.

Learn more about Banking
Wave Payroll Features and Dashboard

Payroll

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll
Illustration showing mentor profile

Advisors

Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you.

Learn more about Wave Advisors

Everything you need.
Nothing you don't.

Everything you need.
Nothing you don't.

Our money management tools are easy to use separately and more powerful together.

Invoicing

Screenshot of invoicing dashboard
Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the low, low price of FREE.

Learn more about Invoicing

Payments

Illustration showing software payments feature
Get paid faster

Convenience is everything. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments

Accounting

Illustration showing software accounting features
Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say #sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting

Banking

mobile with banking app open with image of a notification and the Wave Money card
Bye bye bookkeeping

Wave Money automatically syncs your expenses and income with our accounting software. We accept thank yous in the form of giant cookies.

Learn more about Banking

Payroll

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll

Advisors

Illustration showing Wave advisor with button saying approve payroll
Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you.

Learn more about Wave Advisors

Impress your customers with professional invoices

Create customizable invoices from templates with easy drag-and-drop editing. Add your logo, notes, and other personal touches.

Invoice your customers anytime, anywhere

Send invoices on the go with our mobile app. Watch your billing and payment information magically appear in your accounting records.

Save time, get paid faster with automatic billing

Bill your repeat customers automatically with fully customizable scheduling. Add credit card payments to get paid an average of 17 days faster. With our online payments feature, you can automate late payment reminders and let us be the bad guy.

  • Send professional invoices
  • Get paid fast via credit card
  • Easily manage cash flow
  • Send professional invoices
  • Get paid fast via credit card
  • Easily manage cash flow
  • Simple, reliable, and secure
  • Easily manage cash flow
  • Be ready for tax time

Impress your customers with professional invoices

Create customizable invoices from templates with easy drag-and-drop editing. Add your logo, notes, and other personal touches.

Invoice your customers anytime, anywhere

Send invoices on the go with our mobile app. Watch your billing and payment information magically appear in your accounting records.

Save time, get paid faster with automatic billing

Bill your repeat customers automatically with fully customizable scheduling. Add credit card payments to get paid an average of 17 days faster. With our online payments feature, you can automate late payment reminders and let us be the bad guy.

Feature
Wave
Free professional invoices
Checkmark icon
Customizable invoice templates
Checkmark icon
Recurring billing for repeat customers
Checkmark icon
Integrated bookkeeping
Checkmark icon
Invoice on the go with Wave’s mobile app
Checkmark icon
Accept payments online
Checkmark icon
Instant notifications to track payments
Checkmark icon
Centralized customer information
Checkmark icon

Features

Beautiful, professional invoicing

Create and send customized invoices, estimates, and receipts in seconds. Track the status of your invoices and payments so you can stay on top of your cash flow.

Invoice status: Sent, Viewed, Paid, and more

Know at a glance what’s happening with every invoice so you can take the right actions and manage your cash flow best.

Powerful recurring billing for repeat customers

Stop chasing your customers down for payments with recurring invoices. Get paid on time, every time with automatic payments for your repeat customers using the most powerful invoicing scheduler anywhere.

Accept credit cards

Customers pay faster when you accept payments by credit card. Add this payment option to your invoices for a pay-as-you-go fee as low as 2.9% + $0.60 for card transactions.

With our Pro Plan, you can unlock rates starting at 2.9% + $0* for the first 10 credit card transactions each month and—until May 1, 2024—you can process unlimited credit card transactions for the same rate.

Make tax time a breeze

When everything is neatly where it belongs, tax time is simple. Wave’s smart dashboard organizes your income, expenses, payments, and invoices.

We’re serious about security

Bank data connections are read-only and use 256-bit encryption. Servers are housed under physical and electronic protection. Wave is PCI Level-1 certified for handling credit card and bank account information.

Accountant-friendly software

Wave uses real, double-entry accounting software. Don’t know what that is? No sweat. Accountants do, and they’ll thank you for it.

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

Small business owners who use Wave for money management

My fav tool for invoicing & accounting is Wave. Easy-to-use. And I love the interface. Check it out!

One less thing to worry about

Your free Wave account gets you access to all this and more:

  • Heart icon

    A user-friendly dashboard built for you, not your accountant.

  • Folder icon

    Peace of mind that you’re always organized ahead of tax season.

  • Plant icon

    A complete picture of your business health, wherever you are.

  • Icon of several people

    Our in-house team of bookkeeping, accounting, and payroll coaches.

  • Heart icon

    Crush imposter syndrome with professional, customizable invoices.

  • Folder icon

    Stay on top of your cash flow with a user-friendly dashboard built for you, not your accountant.

  • Plant icon

    Get paid fast right through an invoice with online payments.

  • Icon of several people

    Button-up your books with unlimited bookkeeping records.

Built for small business owners like you

Sign me up
Freelancers
Wave helps freelancers manage their money
Create and send professional invoices in minutes.
Contractors
A contractor using Wave to manage their money.
Track your business expenses with our free accounting tools.
Consultants
A consultant using Wave to manage their money
Set up recurring invoices and payments for retainer clients.
Self-employed entrepreneurs
Self Employed Entrepreneurs using Wave to manage their money
Pay your staff (and yourself!) with confidence.

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?

Start sending professional invoices in minutes.
Try Wave now

Features

Beautiful, professional invoicing

Create and send customized invoices, estimates, and receipts in seconds. Track the status of your invoices and payments so you can stay on top of your cash flow.

Invoice status: Sent, Viewed, Paid, and more

Know at a glance what’s happening with every invoice so you can take the right actions and manage your cash flow best.

Powerful recurring billing for repeat customers

Stop chasing your customers down for payments with recurring invoices. Get paid on time, every time with automatic payments for your repeat customers using the most powerful invoicing scheduler anywhere.

Accept credit cards

Customers pay faster when you accept payments by credit card. Add this payment option to your invoices for a pay-as-you-go fee as low as 2.9% + $0.60 for card transactions.

With our Pro Plan, you can unlock rates starting at 2.9% + $0* for the first 10 credit card transactions each month and—until May 1, 2024—you can process unlimited credit card transactions for the same rate.

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!

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$16/month

Billed monthly

$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions

Priced right for small businesses

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

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$16/month

Billed monthly

$20CAD/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$220CAD/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$16/month
$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$220/year

Billed annually

$192 $170/year

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions

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 👈
Learn more about credit card payments

Bank payments
(ACH/EFT) 

1%
per transaction
($1.00 minimum fee)
Learn more about bank payments

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

Processing fees

Credit Cards

starter
Plan
2.9% + $0
per Visa, Mastercard, or Discover
(US only) transaction
3.4% + $0.60
per Amex transaction
pro
Plan
Recommended
2.9% + $0
per Visa or Mastercard transaction
3.4% + $0.60
per Amex transaction
for the first 10 transactions each month, followed by Starter Plan rates 👈
Learn more about credit card payments

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

*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 an unlimited number of transactions during the offer period. After the offer ends: 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. See full terms and conditions

My fav tool for invoicing & accounting is Wave. Easy-to-use. And I love the interface. Check it out!

Julienne Desjardins, Digital Marketer
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
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
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

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$16/month

Billed monthly

$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$16/month

Billed monthly

$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$16/month
$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions
starter
Plan

Enjoy the invoicing basics.

$0
Get started now
  • Create and send unlimited invoices
  • Customize invoices with your brand colors and logo
  • Schedule recurring invoices
pro
Plan
Recommended

Save more time with even more features and stop chasing customers for your hard-earned money.

$220/year

Billed annually

$192 $170/year

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Remove Wave branding from invoices
  • Automate late payment reminders
  • Automatically import, categorize, and merge bank transactions

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 👈
Learn more about credit card payments

Bank payments
(ACH/EFT) 

1%
per transaction
($1.00 minimum fee)
Learn more about bank payments

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

Easy, professional invoicing.

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?

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. 

​​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.

Even more ways to get paid: Bank payments

Make it easier for your customers to pay you through a Wave invoice, right from their bank accounts. Wave's online payments feature lets you accept bank payments, quickly and easily.

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

Features

Beautiful, professional invoicing

Create and send customized invoices, estimates, and receipts in seconds. Track the status of your invoices and payments so you can stay on top of your cash flow.

Invoice status: Sent, Viewed, Paid, and more

Know at a glance what’s happening with every invoice so you can take the right actions and manage your cash flow best.

Powerful recurring billing for repeat customers

Stop chasing your customers down for payments with recurring invoices. Get paid on time, every time with automatic payments for your repeat customers using the most powerful invoicing scheduler anywhere.

Accept credit cards

Customers pay faster when you accept payments by credit card. Add this payment option to your invoices for a pay-as-you-go fee as low as 2.9% + $0.60 for card transactions.

With our Pro Plan, you can unlock rates starting at 2.9% + $0* for the first 10 credit card transactions each month and—until May 1, 2024—you can process unlimited credit card transactions for the same rate.

Features

Beautiful, professional invoicing

Create and send customized invoices, estimates, and receipts in seconds. Track the status of your invoices and payments so you can stay on top of your cash flow.

Invoice status: Sent, Viewed, Paid, and more

Know at a glance what’s happening with every invoice so you can take the right actions and manage your cash flow best.

Powerful recurring billing for repeat customers

Stop chasing your customers down for payments with recurring invoices. Get paid on time, every time with automatic payments for your repeat customers using the most powerful invoicing scheduler anywhere.

Accept credit cards

Customers pay faster when you accept payments by credit card. Add this payment option to your invoices for a pay-as-you-go fee as low as 2.9% + $0.60 for card transactions.

With our Pro Plan, you can unlock rates starting at 2.9% + $0* for the first 10 credit card transactions each month and—until May 1, 2024—you can process unlimited credit card transactions for the same rate.

Add online payments to your invoices

Give your clients what they want

They get the flexibility of paying you via credit card, bank payment, and Apple Pay; you get a reputation as a polished professional.

Get your money and get on with your day

Customers pay invoices 3X faster* when online payments are enabled. Eliminate the wait and get the cash in your account as quickly as 1-2 business days.


*Customers who enable payments on Wave invoices mark invoices paid 3 times faster than those who mark invoices as paid through cash or check. Source: Wave user data.

Pay per use (no strings attached)

Sending an invoice and adding extra payment options is free – you’re only charged if a customer makes an online payment, and that fee is as little as 1% per transaction*.


*Rates are 1% for bank payments. For information on credit card rates, see Pricing for details.

Add online payments to your invoices

Give your clients what they want

They get the flexibility of paying you via credit card, bank payment, and Apple Pay; you get a reputation as a polished professional.

Better business management

Track customer views and invoice payments in the Wave dashboard so you always know where you stand with sellers, property managers, buyers and renters.

Professional-grade tools

Show clients they’re in good hands by sending business invoices, estimates, and receipts. Automate overdue reminders and credit card payments to reduce friction and focus on the work. 

Personalized invoices

Quickly build project estimates and professional invoices that reflect your business. Upload your logo, add customer info, share notes, and set net payment terms with ease.

Get your money and get on with your day

Customers pay invoices 3X faster* when online payments are enabled. Eliminate the wait and get the cash in your account as quickly as 1-2 business days.


*Customers who enable payments on Wave invoices mark invoices paid 3 times faster than those who mark invoices as paid through cash or check. Source: Wave user data.

Cash flow tracking

See pending and completed payments from project-based and quarterly clients in one dashboard to identify revenue ebbs and flows and plan accordingly.

Intuitive interface

Our at a glance dashboard gives you quick info about your real estate business’s cash flow, including which invoices are coming due and what your net income is for the fiscal year.

Invoice status

Get ahead of your cash flow. See sent, viewed, paid and overdue invoices in one place so you know which clients are on the right track or need a nudge. 

Pay per use (no strings attached)

Sending an invoice and adding extra payment options is free – you’re only charged if a customer makes an online payment, and that fee is as little as 1% per transaction*.


*Rates are 1% for bank payments. For information on credit card rates, see Pricing for details.

Auto pilot billing

Set up recurring invoices for your finance clients and safely store credit card info so you have one less thing to keep track of.

Automated invoicing

Save time by setting up recurring invoices for your repeat customers and capturing credit card information upfront so bills are paid as soon as you send them.

Customizable billing

Charge for a one-time compliance audit or ongoing site maintenance; you can schedule recurring invoices or send them manually whenever you need to.

Pay per use (no strings attached)

Sending an invoice and adding extra payment options is free – you’re only charged if a customer makes an online payment, and that fee is as little as 1% per transaction*.


*Rates are 1% for bank payments. For information on credit card rates, see Pricing for details.

Accept credit cards

Get your money faster when you offer customers the ability to pay directly from your invoices, starting at 2.9% + 60¢ per card transaction.

Accept credit cards

Enable invoice payments by credit card for a pay-as-you-go fee as low as 2.9% + 60¢, and watch the money roll in.

Accept credit cards

Enable invoice payments through credit card, bank and Apple Pay. Pay per use so you’re only charged when technology clients use this feature. 

Add online payments to your invoices

Learn the ropes in minutes

Wave was designed specifically for small business owners like you – no CPA required. With our intuitive dashboard, you’ll be a money management pro in no time.

See everything in one place

Our invoicing, online payments, accounting and bank connection features give you a unified view of your income and expenses - no need to log in to multiple apps or tools.

Take control of tax season

Ditch the spreadsheets and paper notebooks. Wave keeps up to date records so you’ll always have the info you need for filing – or sharing with your accountant.

Stay in the know, on the go

See invoice summaries, tap into business reports, receive payment notifications and more using our highly-rated, free mobile app, available on iOS and Android.

Easy, professional invoicing.

Try Wave now

How online payments work

Simple invoice icon

1.

Apply to accept online payments

We’ll ask you to verify your identity, answer a few questions about your business, and where you’d like the deposits to go.

Payment icon

2.

Decide which of your invoices will allow online payments

Once you’re approved, you can turn payments on or off for any invoice, or pick default settings for all invoices. 

Money deposit icon

3.

Have your clients pay you this way within minutes!

One click on the “Review & Pay” button in your invoice email. A few taps of the keyboard to enter their payment details. Mission accomplished.

Invoicing

Bill clients in style with customizable templates and automated deadline reminders

$0
100% free

Payments

Accept credit cards, Apple Pay, and bank transfers directly through your digital invoices

Credit Cards
2.9% + 30¢
per transaction for Visa, Mastercard, Discover
3.4% + 30¢
per transaction for American Express
Bank payments (ACH)
1%
per transaction ($1 minimum fee)
Credit Cards
2.9% + 30¢
per transaction for Visa, Mastercard, Discover
3.4% + 30¢
per transaction for American Express
Bank payments (EFT)
1%
per transaction ($1 minimum fee)

*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 an unlimited number of transactions during the offer period. After the offer ends: 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. See full terms and conditions

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?

Start sending professional invoices in minutes.

Fast, beautiful invoicing for small business owners is here.

Start sending professional invoices in minutes.
Start sending professional invoices in minutes.

Fast, beautiful invoicing for small business owners is here.