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Text Content

Skip to Main Content
Features
Invoicing
Look like a pro
Payments
Get paid faster
Accounting
Always be organized
Banking
Banking with built-in bookkeeping
Mobile receipts
Ditch the shoebox
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Pay staff in minutes
Advisors
Access experts, any time
PricingBlog
Resources
About Us
Careers
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Become an affiliate
Sign in
Sign up for free
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Your account

Features
Invoicing
Payments
Accounting
Banking
Payroll
Advisors
PricingBlog
Resources
About Us
Careers
How support works
Sign in
Sign up for free
Sign up
Your account



Skip to Main Content
Sign up for free
Sign up
Your account


Features
Invoicing
Payments
Accounting
Banking
Payroll
Advisors
PricingBlog
Resources
About Us
Careers
How support works
Sign in
Sign up for free
Sign up
Your account
Sign up for free
Sign up
Your account



BEAUTIFUL INVOICES THAT GET PAID 3X FASTER


ONLINE PAYMENTS =
ON-TIME PAYMENTS


SEND BRANDED INVOICES WITH WAVE FOR FREE, AND MAKE IT EASIER FOR YOUR CUSTOMERS
TO PAY.


Email AddressCreate a password
or

Sign up with Google
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
By signing up, you are indicating that you have read and agree to the Terms of
Use and Privacy Policy.



EVERYTHING YOU NEED.
NOTHING YOU DON'T.

Our money management tools are easy to use separately and more powerful
together.

Invoicing
Payments
Accounting
Payroll
Advisors


INVOICING

Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the
low, low price of FREE.

Learn more about Invoicing



PAYMENTS

Get paid faster

Convenience is everything. Give your customers the option of paying with one
click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments



ACCOUNTING

Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say
#sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting



PAYROLL

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small
business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll



ADVISORS

Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is
standing by to coach you—or do the work for you.

Learn more about Wave Advisors



PRICING




FREE TO SEND

Up to 40 per day. Quick and easy. Customizable. Automated reminders.


FASTER PAYOUTS

Keep cash flow steady. Majority of payouts within 2 business days.


FAIR PRICING

No monthly fees. No surcharges. Low flat rates. Processing fees returned with
refunds.

 * Stay in the driver's seat

 * Feel like a pro

 * Breathe that sigh of relief


FREE TO SEND

Up to 40 per day. Quick and easy. Customizable. Automated reminders.


FASTER PAYOUTS

Keep cash flow steady. Majority of payouts within 2 business days.


FAIR PRICING

No monthly fees. No surcharges. Low flat rates. Processing fees returned with
refunds.


ONE LESS THING TO WORRY ABOUT

Your free Wave account gets you access to all this and more:

 * A user-friendly dashboard built for you, not your accountant.

 * Peace of mind that you’re always organized ahead of tax season.

 * A complete picture of your business health, wherever you are.

 * Our in-house team of bookkeeping, accounting, and payroll coaches.


EVERYTHING YOU NEED.
NOTHING YOU DON'T.

Our money management tools are easy to use separately and more powerful
together.

Invoicing
Payments
Accounting
Banking
Payroll
Advisors


INVOICING

Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the
low, low price of FREE.

Learn more about Invoicing


PAYMENTS

Get paid faster

Convenience is everything. Give your customers the option of paying with one
click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments


ACCOUNTING

Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say
#sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting


BANKING

Bye bye bookkeeping

Wave Money automatically syncs your expenses and income with our accounting
software. We accept thank yous in the form of giant cookies.

Learn more about Banking



PAYROLL

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small
business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll


ADVISORS

Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is
standing by to coach you—or do the work for you.

Learn more about Wave Advisors


EVERYTHING YOU NEED.
NOTHING YOU DON'T.


EVERYTHING YOU NEED.
NOTHING YOU DON'T.

Our money management tools are easy to use separately and more powerful
together.


INVOICING

Stop chasing clients for money

Reduce unpaid invoices, keep tabs on your income, and get paid faster—for the
low, low price of FREE.

Learn more about Invoicing



PAYMENTS

Get paid faster

Convenience is everything. Give your customers the option of paying with one
click using a credit card, bank transfer, or Apple Pay.

Learn more about Payments



ACCOUNTING

Track your income & expenses, painlessly

Monitor your cash flow, stay organized, and stop sweating tax season. Say
#sorrynotsorry to your spreadsheets and shoeboxes.

Learn more about Accounting



BANKING

Bye bye bookkeeping

Wave Money automatically syncs your expenses and income with our accounting
software. We accept thank yous in the form of giant cookies.

Learn more about Banking



PAYROLL

Pay your staff, and yourself, in minutes

Didn't go to school for payroll? No worries. We built our Payroll tool for small
business owners, so it’s easy to use AND teaches you as you go.

Learn more about Payroll



ADVISORS

Get by with a little 1:1 help

Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is
standing by to coach you—or do the work for you.

Learn more about Wave Advisors







FREE TO SEND

Up to 40 per day. Quick and easy. Customizable. Automated reminders.


FASTER PAYOUTS

Keep cash flow steady. Majority of payouts within 2 business days.


FAIR PRICING

No monthly fees. No surcharges. Low flat rates. Processing fees returned with
refunds.


FREE TO SEND

Up to 40 per day. Quick and easy. Customizable. Automated reminders.


FASTER PAYOUTS

Keep cash flow steady. Majority of payouts within 2 business days.


FAIR PRICING

No monthly fees. No surcharges. Low flat rates. Processing fees returned with
refunds.

Feature
Wave
Free professional invoices

Customizable invoice templates

Recurring billing for repeat customers

Integrated bookkeeping

Invoice on the go with Wave’s mobile app

Accept payments online

Instant notifications to track payments

Centralized customer information




DON’T JUST TAKE OUR WORD FOR IT. WAVE HAS HELPED OVER 2 MILLION SMALL BUSINESS
OWNERS TAKE CONTROL OF THEIR FINANCES.



Wave = Love. I never knew what I was missing before I tried Wave Payments.
Chasing money and doing the books is awful. With Wave Payments, business is fun
again.


ONE LESS THING TO WORRY ABOUT

Your free Wave account gets you access to all this and more:



 * A user-friendly dashboard built for you, not your accountant.

 * Peace of mind that you’re always organized ahead of tax season.

 * A complete picture of your business health, wherever you are.

 * Our in-house team of bookkeeping, accounting, and payroll coaches.

BUILT FOR SMALL BUSINESS OWNERS LIKE YOU

Sign me up
Freelancers
Create and send professional invoices in minutes.
Contractors
Track your business expenses with our free accounting tools.
Consultants
Set up recurring invoices and payments for retainer clients.
Self-employed entrepreneurs
Pay your staff (and yourself!) with confidence.


HOW MUCH DOES WAVE COST?

Tell me more
Invoicing
Free
Accounting
Free
Banking
Free
Payments
pay-per-use
Payroll
Monthly
Advisors
Pick A plan
Over $24 billion in Wave invoices sent each year. 100% secure payments.
Get started


PRICED RIGHT FOR SMALL BUSINESSES

Unlimited invoicing, accounting, and expense tracking are included, 100% free.

Credit Cards
2.9% + $0.60
per transaction

3.4% + $0.60
per AMEX transaction
 * Get paid out in 1 to 2 business days1
 * Customers pay by any major credit card right from your invoice
 * Accept digital wallet payments through Apple Pay

Wave = Love. I never knew what I was missing before I tried Wave Payments.
Chasing money and doing the books is awful. With Wave Payments, business is fun
again.

Omar Ochoa - Owner, Valpak

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

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

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


CREATE YOUR FIRST INVOICE IN SECONDS.

Get started


EVEN MORE WAYS TO GET PAID: BANK PAYMENTS

Make it easier for your customers to pay you right from their bank account. It’s
included for you in Wave Payments.

Learn more about bank payments


1 Payouts 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. 

‍

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, 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.


PRICING


SENDING INVOICES 

 * Recurring invoices save you time
 * Automated reminders get you paid
 * Free mobile app to invoice on the go


ONLINE PAYMENTS

 * Get paid out in 2 business days
 * Customers pay with any major credit card right from your invoice
 * Save credit card details and schedule automated payments
   


BANK PAYMENTS (EFT) 

 * 80% paid out within 2 business days
 * Offer more payment options to get paid faster
 * Works with most bank accounts


ADD ONLINE PAYMENTS TO YOUR INVOICES


GIVE YOUR CLIENTS WHAT THEY WANT

They get the flexibility of paying you via credit card, bank payment, and Apple
Pay; you get a reputation as a polished professional.





GET YOUR MONEY AND GET ON WITH YOUR DAY

Customers pay invoices 3X faster* when online payments are enabled. Eliminate
the wait and get the cash in your account as quickly as 1-2 business days.



*Customers who enable payments on Wave invoices mark invoices paid 3 times
faster than those who mark invoices as paid through cash or check. Source: Wave
user data.


PAY PER USE (NO STRINGS ATTACHED)

Sending an invoice and adding extra payment options is free – you’re only
charged if a customer makes an online payment, and that fee is as little as 1%
per transaction*.



*Rates are 1% for bank payments. For information on credit card rates, see
Pricing for details.




ADD ONLINE PAYMENTS TO YOUR INVOICES


GIVE YOUR CLIENTS WHAT THEY WANT

They get the flexibility of paying you via credit card, bank payment, and Apple
Pay; you get a reputation as a polished professional.


BETTER BUSINESS MANAGEMENT

Track customer views and invoice payments in the Wave dashboard so you always
know where you stand with sellers, property managers, buyers and renters.


PROFESSIONAL-GRADE TOOLS

Show clients they’re in good hands by sending business invoices, estimates, and
receipts. Automate overdue reminders and credit card payments to reduce friction
and focus on the work. 


PERSONALIZED INVOICES

Quickly build project estimates and professional invoices that reflect your
business. Upload your logo, add customer info, share notes, and set net payment
terms with ease.





GET YOUR MONEY AND GET ON WITH YOUR DAY

Customers pay invoices 3X faster* when online payments are enabled. Eliminate
the wait and get the cash in your account as quickly as 1-2 business days.



*Customers who enable payments on Wave invoices mark invoices paid 3 times
faster than those who mark invoices as paid through cash or check. Source: Wave
user data.


CASH FLOW TRACKING

See pending and completed payments from project-based and quarterly clients in
one dashboard to identify revenue ebbs and flows and plan accordingly.



INTUITIVE INTERFACE

Our at a glance dashboard gives you quick info about your real estate business’s
cash flow, including which invoices are coming due and what your net income is
for the fiscal year.



INVOICE STATUS

Get ahead of your cash flow. See sent, viewed, paid and overdue invoices in one
place so you know which clients are on the right track or need a nudge. 



PAY PER USE (NO STRINGS ATTACHED)

Sending an invoice and adding extra payment options is free – you’re only
charged if a customer makes an online payment, and that fee is as little as 1%
per transaction*.



*Rates are 1% for bank payments. For information on credit card rates, see
Pricing for details.


AUTO PILOT BILLING

Set up recurring invoices for your finance clients and safely store credit card
info so you have one less thing to keep track of.



AUTOMATED INVOICING

Save time by setting up recurring invoices for your repeat customers and
capturing credit card information upfront so bills are paid as soon as you send
them.



CUSTOMIZABLE BILLING

Charge for a one-time compliance audit or ongoing site maintenance; you can
schedule recurring invoices or send them manually whenever you need to.






PAY PER USE (NO STRINGS ATTACHED)

Sending an invoice and adding extra payment options is free – you’re only
charged if a customer makes an online payment, and that fee is as little as 1%
per transaction*.



*Rates are 1% for bank payments. For information on credit card rates, see
Pricing for details.


ACCEPT CREDIT CARDS

Get your money faster when you offer customers the ability to pay directly from
your invoices, starting at 2.9% + 60¢ per card transaction.



ACCEPT CREDIT CARDS

Enable invoice payments by credit card for a pay-as-you-go fee as low as 2.9% +
60¢, and watch the money roll in.



ACCEPT CREDIT CARDS

Enable invoice payments through credit card, bank and Apple Pay. Pay per use so
you’re only charged when technology clients use this feature. 



ADD ONLINE PAYMENTS TO YOUR INVOICES


LEARN THE ROPES IN MINUTES

Wave was designed specifically for small business owners like you – no CPA
required. With our intuitive dashboard, you’ll be a money management pro in no
time.





SEE EVERYTHING IN ONE PLACE

Our invoicing, online payments, accounting and bank connection features give you
a unified view of your income and expenses - no need to log in to multiple apps
or tools.



TAKE CONTROL OF TAX SEASON

Ditch the spreadsheets and paper notebooks. Wave keeps up to date records so
you’ll always have the info you need for filing – or sharing with your
accountant.






STAY IN THE KNOW, ON THE GO

See invoice summaries, tap into business reports, receive payment notifications
and more using our highly-rated, free mobile app, available on iOS and Android.



HOW ONLINE PAYMENTS WORK


1.


APPLY TO ACCEPT ONLINE PAYMENTS

We’ll ask you to verify your identity, answer a few questions about your
business, and where you’d like the deposits to go.


2.


DECIDE WHICH OF YOUR INVOICES WILL ALLOW ONLINE PAYMENTS

Once you’re approved, you can turn payments on or off for any invoice, or pick
default settings for all invoices. 


3.


HAVE YOUR CLIENTS PAY YOU THIS WAY WITHIN MINUTES!

One click on the “Review & Pay” button in your invoice email. A few taps of the
keyboard to enter their payment details. Mission accomplished.


INVOICING

Bill clients in style with customizable templates and automated deadline
reminders

$0
100% free


PAYMENTS

Accept credit cards, Apple Pay, and bank transfers directly through your digital
invoices

Credit Cards
2.9% + 30¢
per transaction for Visa, Mastercard, Discover
3.4% + 30¢
per transaction for American Express

Bank payments (ACH)
1%
per transaction ($1 minimum fee)
Credit Cards
2.9% + 30¢
per transaction for Visa, Mastercard, Discover
3.4% + 30¢
per transaction for American Express

Bank payments (EFT)
1%
per transaction ($1 minimum fee)


FREQUENTLY ASKED QUESTIONS

Expand allCollapse all

Is your software actually free?



Our accounting software, invoicing software, or US-only banking software are
100% free. There are no trials, subscriptions, or hidden fees.

‍

Wave's optional paid features include online payment processing, payroll
software, and access to personalized bookkeeping services and coaching through
Wave Advisors. If you're interested in using payroll software, you can start a
free 30-day trial when you sign up for Wave.

What’s the catch—how does Wave make money?



Wave makes money through our optional, paid money management features include
online payment processing, payroll software, and access to personalized
bookkeeping services and coaching through Wave Advisors. These features help
keep our invoicing, and accounting, free.

‍

If you're interested in our payroll software, you can start a free 30-day trial
when you sign up for Wave.

‍

Is Wave's software something I need to install?



Wave's money management tools are web-based, so you just need an Internet
connection and browser to manage your books. No installation is necessary for
our online software!

If you're looking for an on-the-go money management solution, you can also
install our mobile app to help you manage invoices, payments, and business
banking. Download our mobile app on iOS and Android today!

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 for customers who use different features
and services from Wave. Full details on how Wave support works are available
here.

Over $24 billion in Wave invoices sent each year. 100% secure payments.

Create your free account and start accepting online payments now.

Sign up with Google
or

Email AddressPassword

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

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Over $24 billion in Wave invoices sent each year. 100% secure payments.

Over $24 billion in Wave invoices sent each year. 100% secure payments.

Create your free account and start accepting online payments now.

Sign up with Google
or

Email AddressPassword

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

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

FEATURES

 * Accounting software
 * Invoicing software
 * Wave app
 * Payments
 * Payroll software
 * Wave Advisors
 * Pricing
 * Credit card payments
 * Bank payments
 * Recurring billing

WAVE

 * About Us
 * Careers
 * Press
 * Become an affiliate
 * Sitemap

HELPFUL LINKS

 * Blog
 * Help Center
 * Invoice templates
 * Accounting education center
 * Payroll education center
 * QuickBooks alternative
 * Freelance Hub
 * Small business study

SUPPORT & TOOLS

 * How support works
 * System status
 * Accounting calculators
 * Invoicing generators
 * Payroll calculators

Copyright © 2010-2023 Wave Financial Inc. All Rights Reserved.
 * Privacy Policy
 * Legal Disclosures
 * Security
 * Licensing
 * Accessibility
 * Social Media Disclaimer
 * Privacy Choices
 * Cookies Settings


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