Online payments = on-time payments

Online payments =
on-time payments

Wave’s online payments software helps you get paid quickly by bank deposit, credit card, and Apple Pay.

Get started for free

Payment solutions for your business

Payment solutions for
your business

  • Checkmark
    Get paid in 1-2 business days1
  • Checkmark
    Low fees
  • Checkmark
    Customer convenience
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.

“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
Estelle Tracy, owner of 37 Chocolates
Estelle Tracy, owner of 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

How accepting cards and digital payments works

1

Send your invoices

Email invoices after you have been approved for online payments and have 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 using the secure “Pay now” button.
3

Money is deposited

You’ll receive the money in your account in 1-2 business days¹.

How accepting cards and digital payments works

1

Send your invoices

Email invoices after you have been approved for online payments and have 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 using the secure “Pay now” button.
3

Money is deposited

You’ll receive the money in your account in 1-2 business days¹.

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

1Payouts 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
Rates are 1% for bank payments (minimum fee of $1). For information on credit card rates, visit the pricing section for details.

3Customers who enable payments on Wave invoices mark invoices paid three times faster than those who are paid through cash or check.

*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; 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 (minimum fee of $1), 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

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.

Get your money faster with online payments.

Get started for free

Get your money faster with online payments.

Get started for free