Improve your cash flow
Faster payments mean better cash flow. Accept all major credit cards so your customers can pay your invoices online, instantly.
Accept credit card and online payments through your invoices
Online payments =
on-time payments
Accept credit card and online payments through your invoices
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Wave makes getting paid fast (we're talking 1 to 2 days-fast1), frictionless, and fun.
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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
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
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
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.
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.
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.
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.
See money in your bank account faster than ever
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.
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!
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.
Crush imposter syndrome with professional, customizable invoices.
Stay on top of your cash flow with a user-friendly dashboard built for you, not your accountant.
Get paid fast right through an invoice with online payments.
Button-up your books with unlimited bookkeeping records.
Built for small business owners like you
Sign me upFreelancers
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.
Frequently Asked Questions
No items found.
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
$170/year
Billed annually
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
$0
Get started now
pro
Plan
Recommended
$16/month
Billed monthly
$20/month
Billed monthly
Get started now
Everything in Starter, plus….
starter
Plan
$0
Get started now
pro
Plan
Recommended
$220/year
Billed annually
$170/year
Billed annually
Get started now
Everything in Starter, plus….
Priced right for small businesses
Save $20
Save $22
starter
Plan
$0
Get started now
pro
Plan
Recommended
$16/month
Billed monthly
$20CAD/month
Billed monthly
Get started now
Everything in Starter, plus….
starter
Plan
$0
Get started now
pro
Plan
Recommended
$220CAD/year
Billed annually
$170/year
Billed annually
Get started now
Everything in Starter, plus….
Plans to make
your plans happen.
Save $20
Save $22
starter
Plan
$0
Get started now
pro
Plan
Recommended
$16/month
$20/month
Billed monthly
Get started now
Everything in Starter, plus….
starter
Plan
$0
Get started now
pro
Plan
Recommended
$220/year
Billed annually
Get started now
Everything in Starter, plus….
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 👈
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
(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 👈
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
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.
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
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
Plans to make
your plans happen.
Save $20
Save $22
starter
Plan
$0
Get started now
pro
Plan
Recommended
$16/month
Billed monthly
$20/month
Billed monthly
Get started now
Everything in Starter, plus….
starter
Plan
$0
Get started now
pro
Plan
Recommended
$220/year
Billed annually
$170/year
Billed annually
Get started now
Everything in Starter, plus….
Plans to make
your plans happen.
Save $20
Save $22
starter
Plan
$0
Get started now
pro
Plan
Recommended
$16/month
Billed monthly
$20/month
Billed monthly
Get started now
Everything in Starter, plus….
starter
Plan
$0
Get started now
pro
Plan
Recommended
$220/year
Billed annually
$170/year
Billed annually
Get started now
Everything in Starter, plus….
Plans to make
your plans happen.
Save $20
Save $22
starter
Plan
$0
Get started now
pro
Plan
Recommended
$16/month
$20/month
Billed monthly
Get started now
Everything in Starter, plus….
starter
Plan
$0
Get started now
pro
Plan
Recommended
$220/year
Billed annually
Get started now
Everything in Starter, plus….
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 👈
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
No items found.
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.
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.
See money in your bank account faster than ever
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.
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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)
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.
Frequently Asked Questions
Get your money faster with online payments.
None