Wave makes getting paid fast (we're talking 1 to 2 days-fast), frictionless, and fun.
See money in your bank account faster than ever
Faster payments mean better cash flow. Accept all major credit cards so your customers can pay your invoices online, instantly.
Get paid in 1 to 2 days, enhance your brand, and look professional when you enable Wave Payments. Accept most credit card payments for 2.9% + 60¢ per transaction, or 3.4% + 60¢ per AMEX transaction.
Get paid every month without lifting a finger. Customize invoice schedules for recurring customers and charge your clients’ cards automatically.
Feel confident knowing your business and customer data are protected by the highest level of certified bank-grade security practices.
How accepting cards and digital payments works
1. Send your invoices
Email invoices with a secure “Pay Now” button after you’ve enabled the online payments option.
2. Get paid online
Customers can pay instantly by credit card or Apple Pay when they view the invoice online.
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
Unlimited invoicing, accounting, and expense tracking are included, 100% free.
- Get paid out in 1 to 2 business days
- Customers pay by any major credit card right from your invoice
- Accept digital wallet payments through Apple Pay
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!
Even more ways to get paid: Bank payments
Make it easier for your customers to pay you right from their bank account. It’s included for you in Wave Payments.
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?
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.
