Bookkeeping software for small businesses

Make tax time easier. Our bookkeeping software keeps your records updated and categorized. Get started for free.

*We use Plaid to facilitate bank connections. Not all financial institutions are supported so we can’t guarantee that you will be able to connect an account. Check Plaid's troubleshooting guide for more information or learn more about how bank connections work at Wave.

Less mess, less-stress small
business bookkeeping

Cash flow report, balance sheet, and other financial reports available in Wave.

Less mess, less-stress
small business bookkeeping

Cash flow report, balance sheet, and other financial reports available in Wave.

Make tax time a breeze

When everything is neatly where it belongs, tax time is simple. Wave’s smart dashboard organizes your income, expenses, payments, and invoices.

We’re serious about security

Bank data connections are read-only and use 256-bit encryption. Servers are housed under physical and electronic protection. Wave is PCI Level-1 certified for handling credit card and bank account information.

Accountant-friendly software

Wave uses real, double-entry accounting software. Don’t know what that is? No sweat. Accountants do, and they’ll thank you for it.

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Impress your customers with professional invoices

Create customizable invoices from templates with easy drag-and-drop editing. Add your logo, notes, and other personal touches.

Payment options available on a customer's invoice, including credit card, bank payment, and Apple Pay.

Faster payments, better cash flow

Accept credit cards, bank payments, and Apple Pay for as little as 1%2 per transaction.

Your customers can use the secure “Pay now” button on your invoices to instantly pay you.

Secure online payments button on customer invoice.
Secure online payments button on customer invoice.

Your customers want to pay online

By making things more convenient for your customers, they’re likely to pay you 3x faster.³

‍Plus, you’ll enhance your brand and look more professional.

Never lose track of payments

With Wave, your invoices and payments flow into your accounting records, helping you stay organized and prepared for tax time.

Stop chasing clients around

Impress your customers with professional invoices

Create customizable invoices from templates with easy drag-and-drop editing. Add your logo, notes, and other personal touches.

Bookkeeping software that works as hard as you do

  • Send professional invoices
  • Get paid fast via credit card
  • Easily manage cash flow
  • Send professional invoices
  • Get paid fast via credit card
  • Easily manage cash flow
  • Simple, reliable, and secure
  • Easily manage cash flow
  • Be ready for tax time

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Bookkeeping software that works as hard as you do

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Get started in seconds

Import, merge, and categorize your bank transactions. Access your data anywhere, any time. It's always available, and it’s backed up for extra peace of mind.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. Your bank transactions will appear in your bookkeeping, meaning less manual entry for you.

Keep track of your business health

Have an eye on the big picture so you can make better business decisions. Our robust small business accounting reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends.

Don’t just take our word for it. Wave has helped over 2 million small business owners take control of their finances.

Frequently Asked Questions

Is Wave's software something I need to install?

What if I just want to try Wave to see if it works for my business?

Can I change plans easily?

Is my data secure when I use Wave?

Do you provide customer support?

Is it easy to cancel for any reason after I subscribe?

Can I import my data from other accounting apps like Quickbooks?

Can I set different account privileges for employees or my accountant?

Why should I switch from my current accounting solution to Wave?

What features should I look for in an accounting tool?

How does accounting software work?

Why should I use accounting software for my business?

Does Wave’s accounting tool work with my bank?

Processing fees

STARTERPlan
Select plan
Credit cards
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*
Bank payments (ACH/EFT)
1%
per transaction
($1.00 minimum fee)
1%
per transaction
($1.00 minimum fee)
STARTERPlan
PROPlan
Credit cards
2.9% + $0.60
2.9% + $0*
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*
Bank payments (ACH/EFT)
1%
per transaction
($1.00 minimum fee)
1%
per transaction
($1.00 minimum fee)

See all payments features

  • Simple fee structure with low rates and no hidden fees

  • All major cards accepted: Visa, Visa Debit, Mastercard, Mastercard Debit, and American Express

  • Compatible with Apple Pay

  • Get paid within 1-2 business days for credit card payments and 1-7 business days for bank payments1

  • Set up recurring billing with automatic payments for your repeat customers with the Pro Plan or online payments

  • Bank-grade security for all online payments

  • Payments connect seamlessly with your Wave account, keeping your books in-sync

Processing fees

STARTERPlan
Select plan
Credit cards
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*
STARTERPlan
PROPlan
Credit cards
2.9% + $0.60
2.9% + $0*
For the first 10 transactions each month, followed by Starter Plan rates 👈
per Visa, Mastercard or
Discover (US only) transaction.
2.9% + $0.60
2.9% + $0*
per Amex transaction
3.4% + $0.60
3.4% + $0*

"When I signed up with Wave it was a no brainer. It's been one of the best decisions I've made when it comes to making sure my accounting is on point."

Don Lam - DIY Body

"When I signed up with Wave it was a no brainer. It's been one of the best decisions I've made when it comes to making sure my accounting is on point."

Don Lam - DIY Body
Headshot of Wave customer Estelle Tracy.

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
Headshot of Wave customer Estelle Tracy.

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

Even more ways to get paid: Bank payments

Even more ways to get paid: Bank payments

Learn more

See all Payments features

  • Simple fee structure with low rates and no hidden fees

  • All major cards accepted: Visa, Visa Debit, Mastercard, Mastercard Debit, and American Express

  • Compatible with Apple Pay

  • Get paid within 1-2 business days for credit card payments and 1-7 business days for bank payments1

  • Set up recurring billing with automatic payments for your repeat customers with the Pro Plan or online payments

  • Bank-grade security for all online payments

  • Payments connect seamlessly with your Wave account, keeping your books in-sync

*We use Plaid to facilitate bank connections. Not all financial institutions are supported so we can’t guarantee that you will be able to connect an account. Check Plaid's troubleshooting guide for more information or learn more about how bank connections work at Wave.

Processing fees

Credit Cards

starter
Plan
2.9% + $0.60
per Visa or Mastercard (plus Discover in the US) transaction
3.4% + $0.60
per Amex transaction
pro
Plan
Recommended
2.9% + $0
per Visa or Mastercard (plus Discover in the US) transaction
3.4% + $0
per Amex transaction
for the first 10 transactions each month, followed by Starter Plan rates 👈

Bank payments
(ACH/EFT) 

1%
per transaction
($1.00 minimum fee)

See all Payments features

  • Simple fee structure with low rates and no hidden fees
  • All major cards accepted: Visa, Visa Debit, Mastercard, Mastercard Debit, and American Express
  • Compatible with Apple Pay
  • Get paid within 1-2 business days for credit card payments and 1-7 business days for bank payments1
  • Accept credit card payments over the phone, online, or in person
  • Set up recurring billing with automatic payments for your repeat customers with the Pro Plan
  • Bank-grade security for all online payments
  • Automate bookkeeping: payments connect seamlessly with your Wave account

Frequently Asked Questions

Is Wave's software something I need to install?

Wave's tools are web-based, so you just need an Internet connection and browser—no installation is necessary for our online software!

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

What if I just want to try Wave to see if it works for my business?

Sign up for the Starter Plan to take the bookkeeping and invoicing basics for a spin. Then, whenever you’re ready, upgrade to the Pro Plan to unlock even more money management features. Our plans are built for small business owners at every stage!

Can I change plans easily?

You bet! To upgrade to the Pro Plan, sign into Wave. Visit your dashboard or use your invoicing or accounting features, and click the “Upgrade now” button. Learn more about changing subscription periods and plan types in our Help Center.

Is my data secure when I use Wave?

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, depending on the plan and/or the add-on features you choose. Learn more about how Wave support works here.

Is it easy to cancel for any reason after I subscribe?

Yes, you can unsubscribe at any time! The cancellation of your subscription will take effect at the end of the billing period in which you cancel. Learn how to cancel your subscription in our Help Center.

Can I import my data from other accounting apps like Quickbooks?

Yes, switching from other accounting apps or products to Wave is easy! See our step-by-step guide on how to import bookkeeping data into Wave here.

Can I set different account privileges for employees or my accountant?

Yes! Wave makes it easy to invite additional users to your account to help with your accounting. You can grant access to a trusted individual—an accountant, bookkeeper, tax preparer, or business partner, for example—by inviting that person to be a collaborator. See our step-by-step guide on how to invite collaborators to your Wave account.

Why should I switch from my current accounting solution to Wave?

Wave has all the key features you need to keep your books accurate and run your business smoothly. Our double-entry accounting software is trusted by over 2 million small business owners.

With Wave, you'll also have an entire suite of money management features at your fingertips, including invoicing, payroll, and online payment processing. Send invoices to clients, get paid, and manage your books, all in one convenient platform. Wave is truly simple money management solutions for small business owners like you!

What features should I look for in an accounting tool?

Some accounting features you should look out for include the ability to:

- Track income and expenses

- Measure accounts payable and accounts receivable

- Capture and organize receipts

- Automate basic accounting tasks

- Run basic bookkeeping reports

- Generate financial statements

- Calculate cash flow for your business

- Track sales and sales tax

- Add multiple users, such as your bookkeeper or accountant

How does accounting software work?

Accounting software helps business owners understand how money flows in and out of their businesses. It replaces the time-consuming method of collecting receipts in a drawer and manually tracking revenue and expenses in a spreadsheet or with pen and paper.

The right software helps business owners quickly categorize transactions and generate financial statements. These include cash flow reports, balance sheets, profit and loss statements, and expense breakdowns.

Accounting software like Wave can also seamlessly connect with your bank accounts so you can automate tasks like recording transactions and generating reports. This can help you save time and make financial decisions quickly.

Why should I use accounting software for my business?

The right small business accounting software can take the stress out of balancing your business's books, separating your business and personal expenses, and prepping your business for tax season.

Ditching spreadsheets for business accounting software can help you organize your financial documents and statements, reduce headaches during tax season, and remove unnecessary manual work.

When equipped with the right accounting software, you can do more than just basic bookkeeping. You can effectively analyze the financial health of your business, find ways to generate more profit, and move forward with your business plan.

Does Wave’s accounting tool work with my bank?

With a Pro Plan subscription, you can connect your bank account with Wave and automatically import your transactions. This can help you make bookkeeping a breeze.

*We use Plaid to facilitate bank connections. Not all financial institutions are supported so we can’t guarantee that you will be able to connect an account. Check Plaid's troubleshooting guide for more information or learn more about how bank connections work at Wave.

“I love accounting,” said no one ever.

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

Start sending professional invoices in minutes

Get your money faster with online payments

“I love accounting,” said no one ever.

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

Start sending professional invoices in minutes

Get your money faster with online payments

Get started for free

Start sending professional invoices in minutes

Start sending professional invoices in minutes