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Unlimited bank and credit card connections
Keep track of your business health
*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
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.
How accepting cards and digital payments works
1. Send your invoices
Email invoices with a secure “Pay Now” button after you’ve enabled the online payments option.
2. Get paid online
Customers can pay instantly by credit card or Apple Pay when they view the invoice online.
3. Money is deposited
You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US)1.
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.
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
1. Send your invoices
Email invoices with a secure “Pay Now” button after you’ve enabled the online payments option.
2. Get paid online
Customers can pay instantly by credit card or Apple Pay when they view the invoice online.
3. Money is deposited
You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US)1.
See money in your bank account faster than ever
- 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
Improve your cash flow
Faster payments mean better cash flow. Accept all major credit cards so your customers can pay your invoices online, instantly.
Improve your cash flow
Faster payments mean better cash flow. Accept all major credit cards so your customers can pay your invoices online, instantly.
Get paid faster
Get paid in 1 to 2 days1, enhance your brand, and look professional when you enable Wave's online payments feature. Accept most credit card payments for 2.9% + $0.60 per transaction, or 3.4% + $0.60 per AMEX transaction.
With our Pro Plan, you can unlock rates starting at 2.9% + $02 for the first 10 credit card transactions each month.
Get paid faster
Get paid in 1 to 2 days1, enhance your brand, and look professional when you enable Wave's online payments feature. Accept most credit card payments for 2.9% + $0.60 per transaction, or 3.4% + $0.60 per AMEX transaction.
With our Pro Plan, you can unlock rates starting at 2.9% + $02 for the first 10 credit card transactions each month.
Automatic credit card payments
Get paid every month without lifting a finger. Customize invoice schedules for recurring customers and charge your clients’ cards automatically.
See money in your bank account faster than ever
Improve your cash flow
Faster payments mean better cash flow. Accept all major credit cards so your customers can pay your invoices online, instantly.
Get paid faster
Get paid in 1 to 2 days1, enhance your brand, and look professional when you enable Wave's online payments feature. Accept most credit card payments for 2.9% + $0.60 per transaction, or 3.4% + $0.60 per AMEX transaction.
With our Pro Plan, you can unlock rates starting at 2.9% + $02 for the first 10 credit card transactions each month.
Automatic credit card payments
Get paid every month without lifting a finger. Customize invoice schedules for recurring customers and charge your clients’ cards automatically.
Safe and secure card payments
Feel confident knowing your business and customer data are protected by the highest level of certified bank-grade security practices.
Improve your cash flow
Faster payments mean better cash flow. Accept all major credit cards so your customers can pay your invoices online, instantly.
Get paid faster
Get paid in 1 to 2 days1, enhance your brand, and look professional when you enable Wave's online payments feature. Accept most credit card payments for 2.9% + $0.60 per transaction, or 3.4% + $0.60 per AMEX transaction.
With our Pro Plan, you can unlock rates starting at 2.9% + $02 for the first 10 credit card transactions each month.
Automatic credit card payments
Get paid every month without lifting a finger. Customize invoice schedules for recurring customers and charge your clients’ cards automatically.
Safe and secure card payments
Feel confident knowing your business and customer data are protected by the highest level of certified bank-grade security practices.
Frequently Asked Questions
Processing fees
per transaction ($1.00 minimum fee)
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
"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!"
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!
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!
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
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.
2 While subscribed to Wave’s Pro Plan, get 2.9% + $0 (Visa, Mastercard, Discover) and 3.4% + $0 (Amex) per transaction for the first ten cumulative transactions in a monthly subscription period, then 2.9% + $0.60 (Visa, Mastercard, Discover) and 3.4% + $0.60 (Amex) per transaction thereafter. Discover processing is only available to US customers.
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. 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 payouts 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.
Processing fees
Credit Cards
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
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.
2 While subscribed to Wave’s Pro Plan, get 2.9% + $0 (Visa, Mastercard, Discover) and 3.4% + $0 (Amex) per transaction for the first ten cumulative transactions in a monthly subscription period, then 2.9% + $0.60 (Visa, Mastercard, Discover) and 3.4% + $0.60 (Amex) per transaction thereafter. Discover processing is only available to US customers.
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. 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 payouts 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.
“I love accounting,” said no one ever.
Over $24 billion in Wave invoices sent each year. 100% secure payments.
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Get your money faster with online payments
