Faster payments, better cash flow
Get paid in as fast as 1-2 business days1, enhance your brand, and look more professional when you enable Payments.
Accept credit cards, bank payments, and Apple Pay for as little as 1%2 per transaction.
Online payments = on-time payments
Online payments allows you to get paid quickly by bank deposit, credit card, and Apple Pay.
By signing up, you are indicating that you have read and agree to the Terms of Use and Privacy Policy.
Payment solutions for your business
- Get paid in 1-2 business days1
- Low fees
- Customer convenience
Give your customers what they want
Your customers want to pay online. Simply email your customers an invoice and they can use the secure “Pay Now” button to send over your payment.
Never lose track of payments
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.
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!
Estelle Tracy - 37 Chocolates
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)1.
Processing fees
Credit Cards
starter
Plan
2.9% + $0.60
per Visa or Mastercard (plus Discover in the US) transaction
3.4% + $0.60
per Amex transaction
pro
Plan
Recommended
2.9% + $0
per Visa or Mastercard (plus Discover in the US) transaction
3.4% + $0
per Amex transaction
for the first 10 transactions each month, followed by Starter Plan rates 👈
See all Payments features
- Simple fee structure with low rates and no hidden fees
- All major cards accepted: Visa, Visa Debit, Mastercard, Mastercard Debit, and American Express
- Compatible with Apple Pay
- Get paid within 1-2 business days for credit card payments and 1-7 business days for bank payments1
- Accept credit card payments over the phone, online, or in person
- Set up recurring billing with automatic payments for your repeat customers with the Pro Plan
- Bank-grade security for all online payments
- Automate bookkeeping: payments connect seamlessly with your Wave account
1Payouts are processed in 1-2 business days for credit card payments and 1-7 business days for bank payments. Deposit times may vary due to processing cutoff times, third party delays, or risk reviews.
2Rates are 1% for bank payments (minimum fee of $1). For information on credit card rates, visit Pricing for details.
A few notes about accepting online payments through Wave:
Approval is subject to eligibility criteria, including identity verification and credit review. Payments are a pay-per-use feature; no monthly fees here! Your deposit times may vary based on your financial institution. All payments are subject to a risk review and periodic credit risk assessments are done on business owners because we need to cover our butts (and yours). In some cases, we may hold funds and request more information if we need it for the protection of your business and Wave's.
Instant Payout is an additional service offered by Wave subject to user and payment eligibility criteria. A 1% fee is applied to the amount you withdraw from your available balance (minimum fee of $1), in addition to regular processing fees.. The minimum withdrawal amount is $25. Deposits are sent to the debit card linked to your account in up to 30 minutes. Deposit times may vary due to processing cutoff times or third party delays.
Frequently Asked Questions
Is Wave's software something I need to install?
Wave's tools are web-based, so you just need an Internet connection and browser—no installation is necessary for our online software!
If you're looking for an on-the-go solution, you can install our mobile app to help you manage invoices and payments. Download our mobile app on iOS and Android today!
What if I just want to try Wave to see if it works for my business?
Sign up for the Starter Plan to take the bookkeeping and invoicing basics for a spin. Then, whenever you’re ready, upgrade to the Pro Plan to unlock even more money management features. Our plans are built for small business owners at every stage!
Can I change plans easily?
You bet! To upgrade to the Pro Plan, sign into Wave. Visit your dashboard or use your invoicing or accounting features, and click the “Upgrade now” button. Learn more about changing subscription periods and plan types in our Help Center.
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, depending on the plan and/or the add-on features you choose. Learn more about how Wave support works here.
Is it easy to cancel for any reason after I subscribe?
Yes, you can unsubscribe at any time! The cancellation of your subscription will take effect at the end of the billing period in which you cancel. Learn how to cancel your subscription in our Help Center.
Get your money faster with Payments.
Let us do the heavy lifting so you can get back to business.
I love money!