Bookkeeping software for small businesses

Make tax time easier. Our bookkeeping software keeps your records updated and categorized. Get started for free.

*We use Plaid to facilitate bank connections. Not all financial institutions are supported so we can’t guarantee that you will be able to connect an account. Check Plaid's troubleshooting guide for more information or learn more about how bank connections work at Wave.

Less mess, less-stress small
business bookkeeping

Cash flow report, balance sheet, and other financial reports available in Wave.

Less mess, less-stress
small business bookkeeping

Cash flow report, balance sheet, and other financial reports available in Wave.

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.

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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.

Payment options available on a customer's invoice, including credit card, bank payment, and Apple Pay.

Faster payments, better cash flow

Accept credit cards, bank payments, and Apple Pay for as little as 1%2 per transaction.

Your customers can use the secure “Pay now” button on your invoices to instantly pay you.

Secure online payments button on customer invoice.
Secure online payments button on customer invoice.

Your customers want to pay online

By making things more convenient for your customers, they’re likely to pay you 3x faster.³

Plus, you’ll enhance your brand and look more professional.

Never lose track of payments

With Wave, your invoices and payments flow into your accounting records, helping you stay organized and prepared for tax time.

Stop chasing clients around

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.

Bookkeeping software that works as hard as you do

  • 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

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Bookkeeping software that works as hard as you do

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

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

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?

Can I import my data from other accounting apps like Quickbooks?

Can I set different account privileges for employees or my accountant?

Why should I switch from my current accounting solution to Wave?

What features should I look for in an accounting tool?

How does accounting software work?

Why should I use accounting software for my business?

Does Wave’s accounting tool work with my bank?

Processing fees

STARTERPlan
Select plan
Credit cards
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*
Bank payments (ACH/EFT)
1%
per transaction
($1.00 minimum fee)
1%
per transaction
($1.00 minimum fee)
STARTERPlan
PROPlan
Credit cards
2.9% + $0.60
2.9% + $0*
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*
Bank payments (ACH/EFT)
1%
per transaction
($1.00 minimum fee)
1%
per transaction
($1.00 minimum fee)

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

  • Set up recurring billing with automatic payments for your repeat customers with the Pro Plan or online payments

  • Request deposits through your Wave estimates

  • Bank-grade security for all online payments

  • Payments connect seamlessly with your Wave account, keeping your books in-sync

Processing fees

STARTERPlan
Select plan
Credit cards
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*
STARTERPlan
PROPlan
Credit cards
2.9% + $0.60
2.9% + $0*
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*

"When I signed up with Wave it was a no brainer. It's been one of the best decisions I've made when it comes to making sure my accounting is on point."

Don Lam - DIY Body

"When I signed up with Wave it was a no brainer. It's been one of the best decisions I've made when it comes to making sure my accounting is on point."

Don Lam - DIY Body
Headshot of Wave customer Estelle Tracy.

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
Headshot of Wave customer Estelle Tracy.

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

Even more ways to get paid: Bank payments

Even more ways to get paid: Bank payments

Learn more

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

  • Set up recurring billing with automatic payments for your repeat customers with the Pro Plan or online payments

  • Request deposits through your Wave estimates

  • Bank-grade security for all online payments

  • Payments connect seamlessly with your Wave account, keeping your books in-sync

*We use Plaid to facilitate bank connections. Not all financial institutions are supported so we can’t guarantee that you will be able to connect an account. Check Plaid's troubleshooting guide for more information or learn more about how bank connections work at Wave.

Processing fees

Credit Cards

starter
Plan
2.9% + $0.60
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
per Amex transaction
for the first 10 transactions each month, followed by Starter Plan rates 👈

Bank payments
(ACH/EFT) 

1%
per transaction
($1.00 minimum fee)

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

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?

Can I import my data from other accounting apps like Quickbooks?

Can I set different account privileges for employees or my accountant?

Why should I switch from my current accounting solution to Wave?

What features should I look for in an accounting tool?

How does accounting software work?

Why should I use accounting software for my business?

Does Wave’s accounting tool work with my bank?

*We use Plaid to facilitate bank connections. Not all financial institutions are supported so we can’t guarantee that you will be able to connect an account. Check Plaid's troubleshooting guide for more information or learn more about how bank connections work at Wave.

“I love accounting,” said no one ever.

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

Start sending professional invoices in minutes

Get your money faster with online payments

“I love accounting,” said no one ever.

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

Start sending professional invoices in minutes

Get your money faster with online payments

Get started for free

Start sending professional invoices in minutes

Start sending professional invoices in minutes