Discover our PRO Plan exclusive rate:
2.9% + $0*
Discover our PRO Plan exclusive rate:
2.9% + $0*

Free bookkeeping software for small businesses

Online payments =
on-time payments

Free bookkeeping software for small businesses

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

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

Everything you need.
Nothing you don't.

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

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.

Stop chasing clients for money

Quickly create and send unlimited invoices, look like a pro with customizable templates, and get paid fast with online payments.

Learn more about Invoicing
Wave Payments Features

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
Dashboard cash flow chart showing inflows and outflows over the year. Popup displays a successful payment from a customer.

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
Wave Payroll Features and Dashboard

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
Payroll approval message stating 'Everything looks good! This payroll is ready for approval,' with a 'Review this payroll' button and a profile image of a Wave advisor.

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.

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

Invoicing

Screenshot of invoicing dashboard
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

Illustration showing software payments feature
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

Illustration showing software accounting features
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

mobile with banking app open with image of a notification and the Wave Money card
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

Payroll Summary showing start, end, and payday dates. Approval button reads 'Approve this 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

Payroll approval message stating 'Everything looks good! This payroll is ready for approval,' with a 'Review this payroll' button and a profile image of a Wave advisor.
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

Populated so that the section remains hidden on this page

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.

Impress your customers by creating professional invoices with easy templates
Unlimited billable customers at no additional cost
Add credit card payments to get paid faster and stop chasing customers with auto-reminders

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. The transactions will appear in your bookkeeping automatically, and you can say goodbye to manual receipt entry.

Unlimited bank and credit card connections

Connect your bank accounts* in seconds with the Pro Plan. The transactions will appear in your bookkeeping automatically, and you can say goodbye to manual receipt entry.

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.

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.

Feature
Wave
Free professional invoices
Checkmark icon
Customizable invoice templates
Checkmark icon
Recurring billing for repeat customers
Checkmark icon
Integrated bookkeeping
Checkmark icon
Invoice on the go with Wave’s mobile app
Checkmark icon
Accept payments online
Checkmark icon
Instant notifications to track payments
Checkmark icon
Centralized customer information
Checkmark icon

Organized and stress-free small business bookkeeping

Wave makes bookkeeping as simple as possible.

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.

Bookkeeping for beginners

Wave's bookkeeping software is built for small business owners. Be your own bookkeeper, thanks to Wave's automated features, low cost, and simple interface.

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.

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

Small business owners who use Wave for money management

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.

One less thing to worry about

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

  • Heart icon

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

  • Folder icon

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

  • Plant icon

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

  • Icon of several people

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

  • Heart icon

    Crush imposter syndrome with professional, customizable invoices.

  • Folder icon

    Stay on top of your cash flow with a user-friendly dashboard built for you, not your accountant.

  • Plant icon

    Get paid fast right through an invoice with online payments.

  • Icon of several people

    Button-up your books with unlimited bookkeeping records.

Built for small business owners like you

Sign me up
Freelancers
Wave helps freelancers manage their money
Create and send professional invoices in minutes.
Contractors
A contractor using Wave to manage their money.
Track your business expenses with our free accounting tools.
Consultants
A consultant using Wave to manage their money
Set up recurring invoices and payments for retainer clients.
Self-employed entrepreneurs
Self Employed Entrepreneurs using Wave to manage their money
Pay your staff (and yourself!) with confidence.

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?

Does Wave’s accounting tool work with my bank?

Why should I use accounting software for my business?

How does accounting software work?

What features should I look for in an accounting tool?

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

Two people high-fiving with hands that are exaggeratedly big.
“I love accounting,” said no one ever.
Start now

Organized and stress-free small business bookkeeping

Wave makes bookkeeping as simple as possible.

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.

Bookkeeping for beginners

Wave's bookkeeping software is built for small business owners. Be your own bookkeeper, thanks to Wave's automated features, low cost, and simple interface.

Priced right for small businesses

Save $20
Save $22
starter
Plan

Just starting your business or looking for the basics? This is the place.

$0
Get started now
  • Create unlimited estimates, invoices, bills, and bookkeeping records

  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0.60 per transaction2.

  • Invoice on-the-go via the Wave app

  • Manage cash flow and customers in one dashboard

pro
Plan
Recommended

Want to look more polished, save more time, and conquer cash flow? It’s Pro time.

$16/month

Billed monthly

$20CAD/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0 for the first 10 transactions of every month2.

  • Auto-import bank transactions

  • Auto-merge and categorize bank transactions

  • Digitally capture unlimited receipts and track expenses

  • Automate late payment reminders

  • And more!

starter
Plan

Just starting your business or looking for the basics? This is the place.

$0
Get started now
  • Create unlimited estimates, invoices, bills, and bookkeeping records

  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0.60 per transaction2.

  • Invoice on-the-go via the Wave app

  • Manage cash flow and customers in one dashboard

pro
Plan
Recommended

Want to look more polished, save more time, and conquer cash flow? It’s Pro time.

$220CAD/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Option to accept online payments at 1% per bank payment (ACH/EFT); Credit cards starting at 2.9% + $0 for the first 10 transactions of every month*.

  • Auto-import bank transactions

  • Auto-merge and categorize bank transactions

  • Digitally capture unlimited receipts and track expenses

  • Automate late payment reminders

  • And more!

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$16/month

Billed monthly

$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account

Priced right for small businesses

Save $20
Save $22
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$16/month

Billed monthly

$20CAD/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$220CAD/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$16/month
$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$220/year

Billed annually

$192 $170/year

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account

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

Processing fees

Credit Cards

starter
Plan
2.9% + $0
per Visa, Mastercard, or Discover
(US only) transaction
3.4% + $0.60
per Amex transaction
pro
Plan
Recommended
2.9% + $0
per Visa or Mastercard transaction
3.4% + $0.60
per Amex transaction
for the first 10 transactions each month, followed by Starter Plan rates 👈
Learn more about credit card payments

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

*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.

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
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

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$16/month

Billed monthly

$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$16/month

Billed monthly

$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account

Plans to make
your plans happen.

Save $20
Save $22
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$16/month
$20/month

Billed monthly

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account
starter
Plan

Keep your bookkeeping records nice and tidy.

$0
Get started now
  • Create unlimited bookkeeping records
  • Manage cash flow and customers in one dashboard  
  • Access insights via helpful reports
pro
Plan
Recommended

Automate the most tedious parts of bookkeeping and get more time for what you love.

$220/year

Billed annually

$192 $170/year

$220/year

Billed annually

$192 $170/year

$170/year

Billed annually

$192 $170/year

Get started now
Everything in Starter, plus….
  • Automatically import, categorize, and merge bank transactions 
  • Digitally capture unlimited receipts and track expenses 
  • Add additional users to your account

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

Make bookkeeping easy

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?

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, 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.

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.

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.

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.

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

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!

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
A hand depositing money into a bank

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.

Even more ways to get paid: Bank payments

Make it easier for your customers to pay you through a Wave invoice, right from their bank accounts. Wave's online payments feature lets you accept bank payments, quickly and easily.

Learn more about bank payments
A hand depositing money into a bank

Organized and stress-free small business bookkeeping

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.

Bookkeeping for beginners

Wave's bookkeeping software is built for small business owners. Be your own bookkeeper, thanks to Wave's automated features, low cost, and simple interface.

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.

Make bookkeeping easy

Start now

How online payments work

Simple invoice icon

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.

Payment icon

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. 

Money deposit icon

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)

*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.

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?

Does Wave’s accounting tool work with my bank?

Why should I use accounting software for my business?

How does accounting software work?

What features should I look for in an accounting tool?

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

Is your software actually free?

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

Do I need my credit card details to sign up for your accounting software?

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?

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?

Does Wave’s accounting tool work with my bank?

Why should I use accounting software for my business?

How does accounting software work?

What features should I look for in an accounting tool?

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

Does Wave’s accounting tool work with my bank?

“I love accounting,” said no one ever.

- said no one ever.

“I love accounting,” said no one ever.
Set me free
“I love accounting,” said no one ever.

- said no one ever.