Accounting, invoice and payments software

Wave's suite of free financial software makes running your business easier. Send invoices, track expenses, accept online payments and run payroll all in one place.


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Wave's award-winning financial software Wave's award-winning financial software

Faster payments

Get paid 3x faster with online payments than with check. That’s great for cash flow, and your customers will love the convenience.

Increased sales

Sales grow when you accept cards. In one survey, 83% of small businesses that accepted credit cards saw increased sales.

Happy customers

Your customers don't want to pay with checks. Only 15% of purchases are made by check, and that number is going down. Bank payments are easy and online, with no credit card required.

Small Business owners love Wave

G2Growd Score of 4.4 out of 5
4.4 out of 5 stars

The ratings above are based on user reviews
collected by G2Crowd as of June 2017.

Wave at a glance

income and expenses tracked
in invoices sent annually
Kelvyn, KSDigital
My business is able to accept credit cards through my free accounting software from @WaveHQ and the charges are lower than PayPal.
Kelvyn, KSDigital


More ways to get paid

Customers love the convenience of having different payment options. Add credit card payments to your invoices so you’ll get paid faster and make your customers happy.

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More ways to get paid More ways to get paid

Low fees, no surprises

Pay only for the transactions you process—no hidden fees or monthly charges, with simple-to-understand fees: just 2.9% + 30¢ for credit card payments, and 1% per transaction, $1 minimum fee, for bank payments.

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Low fees, no surprises

Safe and secure

Our servers are protected physically and electronically. Any connection between you, Wave, and your bank or credit card company is protected by 256-bit SSL encryption. Payments by Wave is a PCI-DSS Level 1 Service Provider.

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Safe and secure

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 3 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.

Get started with your free Wave account today


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