Manage your money like a boss
Online payments =
on-time payments
Create beautiful invoices, accept online payments, and make accounting easy—all in one place—with Wave’s suite of money tools.
Everything you need.
Nothing you don't.
Our money management tools are easy to use separately and more powerful together.
Invoicing
Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the low, low price of FREE.
Quickly create and send unlimited invoices, look like a pro with customizable templates, and get paid fast with online payments.
Payments
Convenience is everything. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay.
Accounting
Monitor your cash flow, stay organized, and stop sweating tax season. Say #sorrynotsorry to your spreadsheets and shoeboxes.
Payroll
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.
Advisors
Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you.
- Stay in the driver's seat
- Feel like a pro
- Breathe that sigh of relief
Look professional with customizable invoices
Create beautiful, free invoices that reflect your business branding. Automate overdue reminders, set up recurring bills, and add notes or terms of service with ease.
Enjoy customers paying you 3X faster when you enable online payments
Allow your customers to pay your invoices immediately via credit card, secure bank payment (ACH/EFT), or Apple Pay. You’ll both appreciate the speed and convenience.
Save time with automated accounting
Wave invoices are integrated with our free accounting software, so payments are recorded and categorized for you - which means less bookkeeping and tax season prep.
Everything you need.
Nothing you don't.
Our money management tools are easy to use separately and more powerful together.
Invoicing
Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the low, low price of FREE.
Payments
Convenience is everything. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay.
Accounting
Monitor your cash flow, stay organized, and stop sweating tax season. Say #sorrynotsorry to your spreadsheets and shoeboxes.
Banking
Wave Money automatically syncs your expenses and income with our accounting software. We accept thank yous in the form of giant cookies.
Payroll
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.
Advisors
Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you.
Look professional with customizable invoices
Create beautiful, free invoices that reflect your business branding. Automate overdue reminders, set up recurring bills, and add notes or terms of service with ease.
Enjoy customers paying you 3X faster when you enable online payments
Allow your customers to pay your invoices immediately via credit card, secure bank payment (ACH/EFT), or Apple Pay. You’ll both appreciate the speed and convenience.
Save time with automated accounting
Wave invoices are integrated with our free accounting software, so payments are recorded and categorized for you - which means less bookkeeping and tax season prep.
Accounting software that works as hard as you do
- Simple, reliable, and secure
- Easily manage cash flow
- Be ready for tax time
With the Pro Plan, automatically 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.
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Connect your bank accounts in seconds with the Pro Plan. The transactions will appear in your bookkeeping automatically, and you can say goodbye to manual receipt entry.
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.
Organized and stress-free small business accounting
Wave makes accounting as simple as possible.
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.
Wave has helped over 2,000,000 North American small business owners take control of their finances.
One less thing to worry about
Your free Wave account gets you access to all this and more:
A user-friendly dashboard built for you, not your accountant.
Peace of mind that you’re always organized ahead of tax season.
A complete picture of your business health, wherever you are.
Our in-house team of bookkeeping, accounting, and payroll coaches.
Crush imposter syndrome with professional, customizable invoices.
Button-up your books with unlimited bookkeeping records.
Crush your cash flow with a user-friendly dashboard built for you, not your accountant.
Get paid fast right through an invoice with online payments.
Built for small business owners like you
Sign me up
How much does Wave cost?
Priced right for small businesses
Unlimited invoicing, accounting, and expense tracking are included, 100% free.
- Get paid out in 1 to 2 business days1
- Customers pay by any major credit card right from your invoice
- Accept digital wallet payments through Apple Pay
Priced right for small businesses
Invoicing, accounting, and expense tracking are here—start for free!
- Get paid out in 1 to 2 business days1
- Customers pay by any major credit card right from your invoice
- Accept digital wallet payments through Apple Pay
Wave has helped over 2,000,000 North American small business owners take control of their finances.
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!
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!
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!
Frequently Asked Questions
Is your software actually free?
Our accounting and invoicing features are currently free. There are no trials, subscriptions, or hidden fees.
Wave's optional paid features include online payment processing, payroll software, and access to personalized bookkeeping services and coaching through Wave Advisors. If you're interested in using payroll software, you can start a free 30-day trial when you sign up for Wave.
What’s the catch—how does Wave make money?
Wave makes money through our optional, paid money management features include online payment processing, payroll software, and access to personalized bookkeeping services and coaching through Wave Advisors. These features help keep our invoicing, and accounting, free.
If you're interested in our payroll software, you can start a free 30-day trial when you sign up for Wave.
Is Wave's software something I need to install?
Wave's money management tools are web-based, so you just need an Internet connection and browser to manage your books. No installation is necessary for our online software!
If you're looking for an on-the-go money management solution, you can also install our mobile app to help you manage invoices and payments. Download our mobile app on iOS and Android today!
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.
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.
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.
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. 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 payouts 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.
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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.
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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.
How online payments work
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.
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.
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
Payments
Accept credit cards, Apple Pay, and bank transfers directly through your digital invoices
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