Payments

Improve your cash flow with Payments by Wave

Get paid faster when you accept credit cards and bank payments.

Create your free account
Sweet Sammies Ice Cream Sandwich Co. & Happy Pops, Wave customer
Payments

Improve your cash flow with Payments by Wave

Get paid faster when you accept credit cards and bank payments.

Sweet Sammies Ice Cream Sandwich Co. & Happy Pops, Wave customer

Payment processing may be unavailable

If your country isn't on our list, you can still use Wave's 100% free invoicing and accounting software to run your business better.

Payment solutions for your business

Get paid in as fast as 2 business days
Fees as low as 1%
Customer convenience
Payments Showcase

A better way to get paid

Accept credit cards and bank payments so your customers can pay you online, instantly.

Faster payments, better cash flow

Get paid in as fast as 2 business days, enhance your brand, and look more professional when you enable Payments by Wave. Accept credit cards and bank payments for as little as 1% per transaction.

Give your customers what they want

Your customers want to pay online. Simply email your customers an invoice and they can use the secure “Pay Now” button to send over your payment.

Never lose track of payments

With Wave, your invoices and payments automatically flow into your accounting records. You’ll never lose track of payments again, and you’ll be all set at tax time.

Screenshots of Wave's payment solution
Omar Ochoa

"Wave = Love. I never knew what I was missing before I tried Wave Payments. Chasing money and doing the books is awful. With Wave Payments, business is fun again."

Omar Ochoa, Valpak of Greater Houston

How it works

Allow your customers to pay via credit card & bank payments

Send your invoices

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

Wave's online payment form

Get paid online

Customers can pay instantly by credit card or secure bank payment (EFT) when they view the 
invoice online.

Credit card payment received

Money is deposited

You’ll receive the money in your bank account in 2 business days for credit card payments and 2-7 business days for bank payments (EFT).

Wave's online payment form

Get paid online

Customers can pay instantly by credit card or secure bank payment (ACH) when they view the 
invoice online.

Credit card payment received

Money is deposited

You’ll receive the money in your bank account in 2 business days for credit card payments and 2-7 business days for bank payments (ACH).

Priced right for small businesses

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

Credit card payments


2.9% + 30¢
per transaction

  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice

Credit card payments


2.9% + 30¢
per transaction

  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice

Credit card payments


1.4% + 20p
per transaction for European issued cards

2.9% + 20p
per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


1.75% + 30¢
per transaction for Australian issued cards

2.9% + 30¢
per transaction for non-Australian issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


2.9% + NZ$0.30
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


2.9% + CHF0.30
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


1.4% + €0.25
per transaction for European issued cards excluding VAT

2.9% + €0.25
per transaction for non-European issued cards excluding VAT

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


1.4% + 1.80kr
per transaction for European issued cards

2.9% + 1.80kr
per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


2.4% + 2kr
per transaction for European issued cards

2.9% + 2kr
per transaction for non-European issued cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


3.4% + HK$2.35
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Credit card payments


3.4% + $0.50
per transaction for all credit cards

  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!

Bank payments


1%
per transaction ($1 minimum fee)

  • Get paid out in 2-7 business days
  • Customers pay right from their bank account

Bank payments


1%
per transaction ($1 minimum fee)

  • Get paid out in 2-7 business days
  • Customers pay right from their bank account

Speed up your cash flow with Payments by Wave

  • Simple fee structure with low rates and no hidden fees
  • All major cards accepted: Visa, 
Visa Debit, Mastercard, Mastercard Debit, American Express and Discover
  • Get paid within 2 business days for credit card payments and 2-7 business days for 
bank payments (ACH)
  • 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
  • Simple fee structure with low rates and no hidden fees
  • All major cards accepted: Visa, 
Visa Debit, Mastercard, Mastercard Debit, and American Express
  • Get paid within 2 business days for credit card payments and 2-7 business days for 
bank payments (EFT)
  • 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
How To Get Paid For Your Work

How to (actually) get paid for your work

Read these tips to help make sure you get paid on time, and that you don’t fall victim to unpaid invoices.
So You Got A Chargeback

So you got a chargeback. Now what?

In this article we go through six common reasons for chargebacks, how to prevent them from happening, and how to handle it if they do.
How To Avoid Small Business Payment Scams

How to avoid small business payment scams

There are some pretty sophisticated scams targeting small businesses these days. This article walks through how to avoid some common scams.

Faster payments, but that’s not all!

Payments by Wave is great, but it’s even greater when used with the rest of Wave.

Screenshot of the Wave Suite

Learn more about Wave's products

As an entrepreneur, your business is your passion

Our passion is to build a suite of products that work seamlessly together to simplify the lives of business owners like you.

A suite of products that work seamlessly together to simplify the lives of business owners like you.

Accounting

Free

Truly understand and manage your income and expenses. Track everything and connect to other Wave products such as payroll, payments, and invoicing. Everything is automated and in one perfect package.

More about accounting

Invoicing

Free

Every invoice paid is positive incoming revenue for your business. Wave enables you to easily create and send professional invoices, with advanced features like recurring billing and automatic payments.

More about invoicing

Payments

Pay-per-use

Get paid in as fast as 2 business days, enhance your brand, and look more professional when you enable Payments by Wave. Accept credit cards and bank payments on your invoices for as little as 1% per transaction.

More about payments

Payroll

Monthly

Managing payroll can be tedious and time-consuming, but it doesn’t have to be. Run your payroll in minutes, with 100% guaranteed accuracy, and say goodbye to the unnecessary stress of payroll taxes.

More about payroll

Accounting

Free

Truly understand and manage your income and expenses. Everything is automated and in one perfect package.

More about accounting

Invoicing

Free

Every invoice paid is positive incoming revenue for your business. Wave enables you to easily create and send professional invoices, with advanced features like recurring billing and automatic payments.

More about invoicing