Let’s not overcomplicate this:
You want to accept Visa, Mastercard, American Express,
and Discover on your invoices. This is the place.

Accept Visa, MasterCard, American Express and Discover

Customers can pay your invoices on their computer or mobile device

Send invoices and accept credit cards

OR

New
Set up automatic billing for recurring invoices
Accept credit cards from your customers

OR

Take payments on the phone or in person.

Accept credit cards from your customers

Great time saving features

  • Accept credit cards on the invoices you send
  • Set up recurring billing for your repeat customers—charge a card and send a receipt without lifting a finger
  • Customers pay faster! When paid by credit card, most invoices get paid in 7 business days or less
  • Fast transfers: Money in your account 2 days later
  • Get set up in seconds
  • Take payments over the phone or in person, too
  • Connects seamlessly with Wave’s free invoicing and accounting software
  • Take Visa, Visa Debit, Mastercard, Mastercard Debit, American Express, and Discover
  • PCI certified and secure

Get Started Now

PCI-certified payment processing
Certified by the Better Business Bureau Secure credit card processing

Low fees, easy to understand

Credit card 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.

Do you process more than $20,000 per month in credit card payments?

We want to help you get started with Wave. Contact our sales team.

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.

Check Out Accounting Check Out Invoicing

Payments by Wave: Fast and easy
credit card and bank payments

Two convenient ways for your customers to pay your invoices
online, for as little as 1% per transaction.

Why choose Payments by Wave?
  • Your invoices and payments automatically flow into your Wave accounting records. Never lose track of payments again.
  • Get your invoices paid by credit card or from your customer’s bank account for a low fee.
  • Faster payments mean better cash flow.
  • Certified bank-grade security to protect you and your customers.
  • No hidden fees.

Set up a free Wave account and accept payments for a low fee.

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

Logos from major credit card providers Visa, Mastercard, American Express and Discover.
Credit Card Payments

Customers can pay by any major credit card right from your invoice.

Explore Credit Card Payments
2.9+ 30
per transaction
2 business days
to get paid out
Explore Credit Card Payments
Bank Payments

Customers can pay straight from their bank account.

Play Bank Payments video See how bank payments work

Explore Bank Payments
1
per transaction
47 business days
to get paid out

Play Bank Payments video See how bank payments work

Explore Bank Payments

Set up a free Wave account and accept payments for a low fee.

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

Cash in on cashless payments

Customer convenience

Your customers want to pay online. 58% of small businesses are regularly asked by their customers to accept credit cards.

Image showing the payment form inside Wave where customers can choose to pay by credit card or bank payments.
Graphic of a calendar illustrating faster payments as a result of using online payments.
Faster payments

Wave data shows that you’ll get paid 3x faster when you accept credit cards and bank payments.

Graphic of a bar chart illustrating increased sales month over month as a result of using online payments.
Increased sales

Sales grow when you accept cards. In one survey, 83% of small businesses that accepted credit cards saw increased sales.

Sources:
MarketWired — Survey Data Suggests the Death of ChecksCheques
Small Business Trends — Cash Isn’t Always King: Accepting Credit Cards Can Increase Your Business

Do you process more than $20,000 per month in credit card payments?

We want to help you get started with Wave. Contact our sales team.

How it works

Image showing a Wave account where credit cards and bank payments are enabled on invoices.
Send your invoices

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

Image showing the customer view of the invoice credit card payment form in Wave.
Get paid online

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

Image showing a paid customer invoice in the invoice list view inside a Wave account.
Money is deposited

You’ll receive the money in your bank account in 2 business days for credit card payments and 47 business days for bank payments.

Some of the great features you'll enjoy

  • Online payments at low rates
  • No hidden fees
  • All major credit cards accepted: Visa, 
Visa Debit, Mastercard, Mastercard Debit, American Express 
and Discover
  • It's convenient: Your customers don't want to go hunting for checkscheques and cash, and you shouldn't have to chase paper to get paid
  • Get paid out in 2 business days with credit card payments and 47 business days with 
bank payments
  • Take 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 your bookkeeping: Your payments connect seamlessly with your accounting records, to keep you organized without 
lifting a finger

Get Started Now

Photo of Wave user 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

All your business finances in one place I want to try Payments by Wave

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