Low cost bank payments

Give customers the option to pay invoices right from their bank account for only 1% per transaction.

A customer bank payment received within 1 day

How accepting bank payments online works

Simple invoice icon

1. Send your invoices

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

Payment icon

2. Get paid online

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

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3. Money is deposited

You’ll receive the money in your account in 1-7 business days.

Priced right for small businesses

Invoicing, accounting, and expense tracking are included, 100% free.

Bank payments
per transaction ($1.00 minimum fee)
  • Get paid out in 1-7 business days
  • Customers pay right from their account

Even more ways to get paid: Credit card

Customers can pay by any major credit card, right from the invoices you send them.

Learn more about credit card payments
Illustration of hand emerging from computer screen with money

Speed up your cash flow with Payments.

Start now

See all Payments features

  • Online payments at an amazing low rate
  • No hidden fees
  • Customers pay directly from their bank account
  • Perfect for when card payments aren't the right option
  • Get paid within in 1-7 business days
  • Bank-grade security for all online payments
  • Automate your bookkeeping: your payments connect seamlessly with your accounting records, to keep you organized

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.

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