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. Sign up for a free Wave account and send your first invoice right away—it only takes a few minutes!

  • Easily monitor and keep track of what’s going on in your business with the intuitive dashboard.
  • Employees can securely log in to access their pay stubs and W2s, and manage their contact and banking information.
  • Have an eye on the big picture so you can make better decisions.

Add credit cards and bank payments to get paid even faster, for a low, pay-per-use fee. 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.

Accountant-friendly software

Send invoices whenever and wherever you want with Wave’s free app for iOS and Android. Between the app and the payment process—I can’t tell you the hours it’s saved, and even the headaches that have gone away because of it. Know when an invoice is viewed, becomes due, or gets paid, so you can stay on top of your cash flow better than ever. After creating your account, everything’s set up so you can get started right away. Your data is always available, and it’s backed up for extra peace of mind.

  • At any time, you can activate to start your billing cycle and gain access to items like tax filing and approving payrolls beyond the current month.
  • Sign up for a free Wave account and send your first invoice right away—it only takes a few minutes!
  • These include cash flow reports, balance sheets, profit and loss statements, and expense breakdowns.
  • ‍2 Rates are 1% for bank payments (minimum fee of $1).
  • Create beautiful invoices, accept online payments, and make accounting easy—all in one place—with Wave’s suite of money tools.
  • Customers can pay instantly by credit card or Apple Pay when they view the invoice online.

Only pay for what you use and simplify annual audits with workers’ comp built for small business owners. Easily monitor and keep track of what’s going on in your business with the intuitive dashboard. The quick summary allows you to stay in control of your business finances, including a task list of outstanding items. Keep compliant and save time by having Wave handle your Canada Revenue Agency tax remittances on your behalf. The developer, Wave Financial Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

‍2 Rates are 1% for bank payments (minimum fee of $1). For information on credit card rates, visit Pricing for details. All your invoicing and payment information automatically syncs with our free accounting software included with your account. Set up recurring invoices and automatic credit card payments for your repeat customers and stop chasing payments.

Online payments = 
on-time payments

After creating your account, everything is set up so you can get started. Your data is always available, and backed up for extra peace of mind. Wave has helped over 2,000,000 North American small business owners take control of their finances.

Get paid in as fast as 1-2 business days1, enhance your brand, and look more professional when you enable payments. Customers can click a Pay Now button on invoices and pay instantly by credit card, secure bank payment (ACH/EFT), or Apple Pay. You can accept credit cards and bank payments for as little as 1%2 per transaction. 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. Manually creating invoices in Microsoft Word or Excel can be time-consuming and difficult to manage.

Priced right for small businesses

See our step-by-step guide on how to import bookkeeping data into Wave here. 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.

App support

I look at the dashboard and know how many invoices are on the way, when they should be paid, and the average time it takes someone to pay. It keeps me on track and takes a lot out of my hands. Wave Money is currently available to single-owner businesses in the United States with a Wave account. Once you create an account, we’ll notify all new eligible businesses by email. You’ll be able to download the Wave mobile app directly from your email or you can learn more within your Wave account. Save time chasing customers by setting up automatic payment reminders.

Manage accounts receivable effortlessly

When everything is neatly where it belongs, tax time is simple. Wave’s smart dashboard organizes your income, expenses, payments, and invoices. The transactions 8 surefire ways to run a successful fundraising campaign will appear in your bookkeeping automatically, and you can say goodbye to manual receipt entry. Wave is one-stop money management for small business owners.

These 14 states include tax services with the option to automatically transfer tax payments and file the paperwork with your state tax office and the IRS (this excludes 1099 Filings). Our payroll software is seamlessly connected with the rest of your Wave account to reduce the time you spend on manual bookkeeping. A common issue when invoicing in Microsoft Word, Excel, or other DIY solutions is making calculation errors. Wave’s invoicing software for small businesses removes the worry of making these errors because calculations are done for you, including the taxes. All your invoicing and payment information automatically syncs with the free Wave Accounting software included with your account. Save time when you send automatic payment reminders in your Wave account.

Have an eye on the big picture so you can make better decisions. Our accounting reports are easy to use and show monthly or yearly comparisons, so you can easily identify cash flow trends. Track your income and expenses, easily and for free, with Wave’s accounting software. We built our Payroll tool for small business owners, so it’s easy to use AND teaches you as you go. Give your customers the option of paying with one click using a credit card, bank transfer, or Apple Pay. Our bookkeeping and banking tools can be used separately or together for maximum control of your business finances.

You can also set up recurring payments, auto-reminders, and deposit requests to make sure you always get paid on time. You don’t have to wait for a new quarter or year to start using payroll software—you can start running payroll at any time! And if you’re switching providers, you can make the transition easily by importing all the necessary forms and information in just a few minutes. Check out our handy support article to learn how you can switch to using Wave’s payroll feature.

Not to mention the stress of worrying about making errors and winding up in a tax audit (yikes!). Wave Payroll supports paying both employees and independent contractors when you run payroll. The proper tax forms—1099 in the US and T4-A in Canada—are also generated for you. In self-service states (all other 36 states) Wave Payroll does not make payments or file on your behalf. Automated, accurate payroll helps you stay compliant, save time, and be stress-free.