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

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

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.

  • 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.

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

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.

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.

Feature
Wave
Free professional invoices
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Customizable invoice templates
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Recurring billing for repeat customers
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Integrated bookkeeping
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Invoice on the go with Wave’s mobile app
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Accept payments online
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Instant notifications to track payments
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Centralized customer information
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Accounting software that works as hard as you do

  • Simple, reliable, and secure
  • Easily manage cash flow
  • Be ready for tax time
Get started in seconds

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.

Unlimited bank and credit card connections

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.

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.

Organized and stress-free small business accounting

Wave makes accounting as simple as possible.

A hand placing shaped pegs into holes, along with a screenshot of Wave's invoice payable dashboard

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

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:

  • 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

    Button-up your books with unlimited bookkeeping records.

  • Plant icon

    Crush your cash flow with a user-friendly dashboard built for you, not your accountant.

  • Icon of several people

    Get paid fast right through an invoice with online payments.

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.

How much does Wave cost?

Tell me more
Invoicing
Free
Accounting
Free
Banking
Free
Payments
pay-per-use
Payroll
Monthly
Advisors
Pick A plan

Frequently Asked Questions

Is your software actually free?

What’s the catch—how does Wave make money?

Is Wave's software something I need to install?

Is my data secure when I use Wave?

Do you provide customer support?

Do what you love. Leave the rest to us.
Let's do this

Priced right for small businesses

Unlimited invoicing, accounting, and expense tracking are included, 100% free.

Credit Cards
2.9% + $0.60
per transaction
3.4% + $0.60
per AMEX transaction
  • 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!

Credit Cards
2.9% + $0.60
per transaction
3.4% + $0.60
per AMEX transaction
  • 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.

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

Do what you love. Leave the rest to us.

Let's do this

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.

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

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.

None

None

None

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.

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)
Do what you love. Leave the rest to us.

None

Do what you love. Leave the rest to us.
Do what you love. Leave the rest to us.

None