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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.

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A better way to get paid

Get paid 3x faster when you accept credit cards on your invoices. 
Give your customers a more convenient way to pay instead of checkcheque, cash or bank wire transfer for 2.9% + 30¢ per transaction.

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

Give your customers what they want

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

Give your customers what they want

Go automatic

For your recurring customers or subscriptions, set up a custom invoice schedule, and charge your client's card automatically. You'll get paid every month without lifting a finger.

Go automatic

Improve your cash flow

Accept all major credit cards so your customers can pay your invoices online, instantly. Faster payments mean better cash flow.

Improve your cash flow

Safe and secure

Feel confident knowing your business’s and 
your customers’ financial data are protected by 
the highest level of certified bank-grade 
security practices.

Everything you need in one place

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.

Everything in one place Everything in one place
  • Pricing
  • 2.9 + 30
    per transaction
  • 2 business days
    to get paid out

Set up a free Wave account and accept payments for a low fee. 
Unlimited invoicing, accounting, and expense tracking are included, 100% free.


  • Why choose Payments by Wave?
    • Pay only for the transactions you need—no hidden fees or monthly charges.
    • Save your repeat customers’ credit card details for fast future payments.
    • Save time with automatic payments for your repeat customers.
    • Connects seamlessly with your accounting and invoicing.

How it works

Send your invoices
Send your invoices

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

Get paid online

Customers can pay instantly by credit card when they view the invoice online.

Money gets deposited

You’ll receive the money in your bank account in 2 business days.

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
  • Get paid out in 2 business days
  • Take credit card payments over the phone, online or in person
  • Set up recurring billing with automatic payments for your repeat customers
  • It's convenient: Your customers don't want to go hunting for checkcheques and cash, and you shouldn't have to chase paper to get paid
  • 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

Even more ways to get paid:
bank payments

Give your customers the convenient option to pay you right from their bank account, when credit cards aren't the right option. It’s included for you in Payments by Wave.

Learn More About Bank Payments

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

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