Small businesses have a right to great software
No trials, no catches, and no limits. Accounting, invoicing and receipt tracking software so you can better understand your business finances, for free.
United States
Canada
United Kingdom
Australia
New Zealand
Switzerland
Ireland
France
Germany
Spain
Belgium
Finland
Luxembourg
The Netherlands
Austria
Italy
Denmark
Sweden
Norway
Portugal
Japan
Hong Kong
Singapore
Rest of the world
Accounting
Invoicing
Receipts
Payments
Payroll
Create your free Wave account
Accounting software Free
No set-up fees, no hidden charges, no monthly fee
- Unlimited bank and credit card connections
- Unlimited income and expense tracking
- Unlimited guest collaborators
- Run multiple businesses in one account
Invoicing Free
No set-up fees, no hidden charges, no monthly fee
- Invoice in any currency
- Quickly send estimates and turn them into invoices upon approval
- Personalize your invoices with a choice of professional invoice templates
- Get paid faster when you enable Payments by Wave (fees as low as 1%)
Invoicing Free
No set-up fees, no hidden charges, no monthly fee
- Invoice in any currency
- Quickly send estimates and turn them into invoices upon approval
- Accept credit cards to get paid automatically
- Personalize your invoices with a choice of professional invoice templates
Invoicing Free
No set-up fees, no hidden charges, no monthly fee
- Invoice in any currency
- Quickly send estimates and turn them into invoices upon approval
- Personalize your invoices with a choice of professional invoice templates
Receipt scanning Free
No set-up fees, no hidden charges, no monthly fee
- Unlimited receipt scanning with our free iOS and Android apps
- Capture receipts even when you’re offline
- Receipts are automatically recorded as accounting transactions in Wave
Online payments Pay-per-use
Online payments Pay-per-use
Credit card processing
per transaction
- Get paid out in 2 business days
- Customers pay by any major credit card right from your invoice
Credit card processing
per transaction
- Get paid out in 2 business days
- Customers pay by any major credit card right from your invoice
Credit card processing
per transaction for European issued cards
per transaction for non-European issued cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for Australian issued cards
per transaction for non-Australian issued cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for all credit cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for all credit cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for European issued cards excluding VAT
per transaction for non-European issued cards excluding VAT
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for European issued cards
per transaction for non-European issued cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for European issued cards
per transaction for non-European issued cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for all credit cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for all credit cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Credit card processing
per transaction for all credit cards
- No hidden fees or monthly charges
- Money transfers to your account in just 7 business days!
Bank payments (ACH)
per transaction ($1 minimum fee)
- Get paid out in 2-7 business days
- Customers pay right from their bank account
Bank payments (EFT)
per transaction ($1 minimum fee)
- Get paid out in 2-7 business days
- Customers pay right from their bank account
Payroll Monthly
Tax service states
Arizona, California, Florida, Georgia, Illinois, Indiana, Minnesota, New York, North Carolina, Tennessee, Texas, Virginia, Washington and Wisconsin+ $4 per active employee
+ $4 per independent contractor paid
Wave handles your payroll taxes.
These 14 states include tax services from Wave. This means we automatically transfer tax payments and file the paperwork with your state tax office and the IRS.
Self service states
All other 36 states+ $4 per active employee
+ $4 per independent contractor paid
Wave makes filing your own payroll taxes easy.
The remaining 36 states are self-serve, which means you’ll have to pay and file the paperwork yourself. Wave makes it easy by showing you what information and how much money you’ll need per payroll.
Payroll Monthly
Available in all provinces and territories, except Quebec
+ $4 per active employee
+ $4 per independent contractor paid
Your monthly price includes direct deposit, T4s, full tax remittances to the CRA, and Wave’s payroll accuracy guarantee.
Create your free Wave account
Frequently asked questions
Yes really, no tricks! Our software is 100% free, no trials, no limitations, and no hidden fees. Use it as much as you want, for as long as you want, and we won’t charge a cent. Our free software includes invoicing, accounting, and receipt scanning.
Wave makes money from financial services that make running your business faster. We offer payroll services in Canada and the U.S. at a super affordable price. We also allow businesses to accept payments online so you can get invoices paid faster; we charge a competitive 2.9% + 30¢ fee to process credit cards, and 1% for bank payments (where available).
Yes! We’re ready to answer all your questions with email support for all software (invoicing, accounting and receipt scanning). Live chat support is available for our paid financial services (Payments and Payroll).
Completely safe. 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.
We’ve got staying power. Wave has served hundreds of thousands of small business owners around the world, and tracked over $330 billion in income & expenses since 2010.
Wave is 100% web-based, so you just need an internet connection and browser.
You can, however, download and install our mobile invoicing and receipt scanning apps for iOS and Android.
Put your wallet away, you won’t need to enter in any credit card ever, unless you want to use our payroll service. Just create your account and get started for free.
There are two additional fees for specific use cases for processing online payments.
- Dispute Fee of $15 – If the account holder disputes a payment transaction there is a one time chargeback fee.
- Return Fee of $5 per item - Per returned bank payment (ACH) we reserve the right to charge a return fee. (e.g. Returned by bank due to NSF or Account Closed)