Online payments = 
on-time payments

Payments allows you to get paid quickly by bank deposit, credit card, and Apple Pay.

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

How accepting cards and digital wallets online works

Simple invoice icon

1. Send your invoices

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

Payment icon

2. Get paid online

Customers can pay instantly by credit card, secure bank payment, or Apple Pay when they view the invoice online.

Money deposit icon

3. Money is deposited

You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US).

Priced right for small businesses

Use what you need. Pay for what you use. No surprises.

Credit Cards
2.9% + $0.60
per Visa, Mastercard transaction
3.4% + $0.60
per AMEX transaction
  • Get paid out in 1-2 business days
  • Customers pay by any major credit card right from your invoice
  • Accept digital wallet payments through Apple Pay
Bank payments
per transaction ($1.00 minimum fee)
  • Get paid out in 1-7 business days
  • Customers pay right from their bank account

Speed up cash flow with Payments.

Start now

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 payments
  • Accept credit card payments over the phone, online, or in person
  • Set up recurring billing with automatic payments for your repeat customers
  • Bank-grade security for all online payments
  • Automate bookkeeping: payments connect seamlessly with your Wave account

Frequently Asked Questions

Is your software actually free?

Yes! Our invoicing, accounting, and US-only banking software is 100% free—no trials, subscriptions, or hidden fees.

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

Wave makes money through our optional, paid money management products. Depending on your business needs, you can choose to pay for online payment processing, payroll, and 1:1 advisors. This allows our core software—invoicing, accounting, and business banking (currently only available to sole proprietors in the US)—to always be free.

Do I need to enter my credit card details to sign up?

Put your wallet away. You won’t need to enter a credit card unless you want to use our payroll service. Just create your account and get started for free.

Do I need to install any software?

Wave is 100% web-based, so you just need an Internet connection and browser. You can, however, download and install our mobile invoicing app for iOS and Android.

Is my data secure?

Completely. Our servers are protected physically and electronically. Any connection between you and Wave is 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 parts of Wave. Full details on how Wave support works are available here.

Get your money faster with Payments.

I love money!