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

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1. Send your invoices

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

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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
1%
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?

Our our accounting software, invoicing software, or US-only banking software are 100% 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, accounting, and business banking (currently only available to sole proprietors in the US) 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, payments, and business banking. 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.

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