Free software, for real?

You could have just taken a job somewhere, like everybody else does.
We could have charged you 20 bucks every month, like everybody else does.

But you like to do things differently, and so do we.

or

By signing up, you agree to the Terms of Use and Privacy Policy.

Wave's software is
100% free.

Let’s not overcomplicate this. When we say free, we mean it. No set-up fees, no hidden charges. Not a free trial. Not a free limited version. Free means free.

  • Invoicing Software

    $0
  • Accounting Software

    $0
  • Receipt Scanning

    $0

That’s it. No conditions. No surprises. Just award-winning, easy-to-use software made for small business owners, with all the features you need to run your business better.

Get Started

Credit Card Processing

2.9% + 30¢

per transaction for all credit cards, with no additional fees

Bank Payment Processing

1%

per transaction for all accounts, with no additional fees

Payroll (Monthly)

$15 Base Fee + $4 Per Employee

Discounts apply above 10 employees


New York, California, Florida, Texas: Add full payroll tax service for $10/mo.

Credit Card Processing

2.9% + 30¢

per transaction for all credit cards, with no additional fees

Bank Payment Processing

1%

per transaction for all accounts, with no additional fees

Payroll (Monthly)

$10 Base Fee + $4 Per Employee

Discounts apply above 10 employees

European-Issued Cards

1.4% + 20p

Per transaction, with no additional fees

Non-European-Issued Cards

2.9% + 20p

Per transaction, with no additional fees

European-Issued Cards

1.4% + 0.25

Per transaction, with no additional fees

Non-European-Issued Cards

2.9% + 0.25

Per transaction, with no additional fees

European-Issued Cards

1.4% + 1.8kr

Per transaction, with no additional fees

Non-European-Issued Cards

2.9% + 1.8kr

Per transaction, with no additional fees

Norwegian-Issued Cards

2.4% + 2kr

Per transaction, with no additional fees

Norwegian-Issued Cards

2.9% + 2kr

Per transaction, with no additional fees

Australian-Issued Cards

1.75% + 30¢

Per transaction, with no additional fees

Non-Australian-Issued Cards

2.9% + 30¢

Per transaction, with no additional fees

2.9% + NZ$0.30

Per transaction, with no additional fees

2.9% + CHF0.30

Per transaction, with no additional fees

3.4% + HK$2.35

Per transaction, with no additional fees

3.4% + $0.50

Per transaction, with no additional fees

Wave’s services are affordable and pay‑as‑you‑go.

Wave offers credit card processing and payroll services in select countries. We haven't gotten to yours yet!

There are no paid services in your country at this time.

We look forward to providing more great services to small businesses all over the world in the future. Today, enjoy all of Wave's free software to help you run your business better.

Do you process more than $20,000 per month in credit card payments?

We want to help you get started with Wave. Contact our sales team.

Avatar
My business is able to accept credit cards through my free accounting software from WaveHQ and the charges are lower than PayPal.
Joanne Lamb, Voiceover Artist

Frequently Answered Questions

These are the answers that our support team tell new customers everyday.

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, 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 fast; 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 financial services (Payments, Payroll and Lending).

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 over 2.7 million customers and tracked over $180 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.

Run your business better, for free.

or

By signing up, you agree to the Terms of Use and Privacy Policy.