Pricing

Free accounting software for small businesses

With the option to choose from a selection of flexible financial services.

Accounting software Free

  • Unlimited bank and credit card connections
  • Unlimited income and expense tracking
  • Unlimited guest collaborators
  • Run multiple businesses in one account
$0

No set-up fees, no hidden charges, no monthly fee

Invoicing Free

  • 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%)
$0

No set-up fees, no hidden charges, no monthly fee

Invoicing Free

  • Invoice in any currency
  • Quickly send estimates and turn them into invoices upon approval
  • Personalize your invoices with a choice of professional invoice templates
$0

No set-up fees, no hidden charges, no monthly fee

Receipt scanning Free

  • 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
$0

No set-up fees, no hidden charges, no monthly fee

Online payments Pay-per-use

Credit card processing
  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice
2.9% + 30¢

per transaction

Credit card processing
  • Get paid out in 2 business days
  • Customers pay by any major credit card right from your invoice
2.9% + 30¢

per transaction

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
1.4% + 20p

per transaction for European issued cards

2.9% + 20p

per transaction for non-European issued cards

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
1.75% + 30¢

per transaction for Australian issued cards

2.9% + 30¢

per transaction for non-Australian issued cards

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
2.9% + NZ$0.30

per transaction for all credit cards

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
2.9% + CHF0.30

per transaction for all credit cards

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
1.4% + €0.25

per transaction for European issued cards excluding VAT

2.9% + €0.25

per transaction for non-European issued cards excluding VAT

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
1.4% + 1.80kr

per transaction for European issued cards

2.9% + 1.80kr

per transaction for non-European issued cards

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
2.4% + 2kr

per transaction for European issued cards

2.9% + 2kr

per transaction for non-European issued cards

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
3.4% + HK$2.35

per transaction for all credit cards

Credit card processing
  • No hidden fees or monthly charges
  • Money transfers to your account in just 7 business days!
3.4% + $0.50

per transaction for all credit cards

Bank payments (ACH)
  • Get paid out in 2-7 business days
  • Customers pay right from their bank account
1%

per transaction ($1 minimum fee)

Bank payments (EFT)
  • Get paid out in 2-7 business days
  • Customers pay right from their bank account
1%

per transaction ($1 minimum fee)

Payroll Monthly

Tax service states
California, Florida, New York, Texas, Illinois, and Washington

Wave handles your payroll taxes.

These six 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.

$35 monthly base fee

+ $4 per active employee

+ $4 per independent contractor

Self service states
All other 44 states

Wave makes filing your own payroll taxes easy.

The remaining 44 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.

$20 monthly base fee

+ $4 per active employee

+ $4 per independent contractor

Payroll Monthly

Available in all provinces and territories, except Quebec

Your monthly price includes direct deposit, T4s, full tax remittances to the CRA, and Wave’s payroll accuracy guarantee.

$20 monthly base fee

+ $4 per active employee

  • Is your software actually free?

    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.

  • What’s the catch? How does Wave make money?

    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).

  • Do you provide support?

    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).

  • Is my data safe?

    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.

  • Is Wave going to be around?

    We’ve got staying power. Wave has served over 3.5 million customers and tracked over $180 billion in income & expenses since 2010.

  • Do I need to install any software?

    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.

  • Do I need to enter my credit card details to sign up?

    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.