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When you’re talking about accounting software, there’s a good chance the name QuickBooks will come to mind. It turns out that QuickBooks also does payment processing through Intuit’s QuickBooks Payments brand. For one, Square allows you to process American Express at the same rate as credit cards (2.9% + $0.30). If you’re taking the card in person, it will only cost you 2.6% + $0.10. Wave uses a flat-rate pricing model similar to what you’d find with Square, Stripe, or PayPal.

  • The system also prepares your business for tax season without the hassle.
  • One click on the “Review & Pay” button in your invoice email.
  • Monitor your cash flow, stay organized, and stop sweating tax season.
  • Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services.

They get the flexibility of paying you via credit card, bank payment, and Apple Pay; you get a reputation as a polished professional. Our money management tools are easy to use separately regressive vs proportional vs progressive taxes and more powerful together. Can manage multiple businesses for free under one account; lacks project tracking tools, industry-specific reports and transaction tracking tags.

Give your clients what they want

If you’re already using Wave, turning payments on is as simple as clicking on the “Turn on Payments” button and telling Wave where to send your money. Unlimited invoicing, accounting, and expense tracking are included, 100% free. If Wave has everything your small business needs, it’s hard to beat free.

  • Strong invoicing feature competes with that of paid products; app lets users send invoices on the go; offers significantly fewer reports than competitors; no inventory tracking.
  • Deposit times may vary due to processing cutoff times, third party delays, or risk reviews.
  • For one, Square allows you to process American Express at the same rate as credit cards (2.9% + $0.30).
  • The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication.
  • Just the same, it is nearly futile to stumble on such application even among recognizable software solutions.

More than 4 million businesses already manage their finances with Wave. With Wave’s automatic billing and invoicing, users will definitely save a lot of time. Other time-saving features include recurring bills and invoices. Users can configure reminders to remind you of paid and unpaid items.

Wave user reviews

Customers pay faster when you accept payments by credit card. Add this payment option to your invoices for a pay-as-you-go fee as low as 2.9% + 60¢ for card transactions. Set up recurring invoices and automatic credit card payments for your repeat customers and stop chasing payments. Switch between automatic and manual billing whenever you want. If you’re a startup, micro-business or sole proprietor who doesn’t want to invest in accounting software but needs to keep track of your finances, Wave Accounting is a great option.

Wave Accounting Review ( : Features, Pricing & More

Businesses can access the dashboard online from anywhere they have an internet connection, which means they always have the ability to bill clients and see who hasn’t paid. Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. Here is a list of our partners and here’s how we make money. Our (non-judgmental) team of bookkeeping, accounting, and payroll experts is standing by to coach you—or do the work for you. Easily create, customize, and send professional invoices while on-the-go.

Online payments = 
on-time payments

Any connections between you, your bank accounts, and Wave are protected by 256-bit SSL encryption. Once you sign up online, you can start using Wave’s features right away. All you have to do is share your business name, type, address and the currency you use.

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Wave’s invoicing software for small businesses removes the worry of making these errors because calculations are done for you, including the taxes. Your complete invoicing and billing process is now on your phone. You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US)1. You can invite your accountants, bookkeepers or other business partners to Wave via email and designate their user roles. They can receive “editor permissions” and access accounting and reports as well as purchases easily.

With Wave Invoicing, you’ll be able to track, edit, send and pay invoices from any mobile device. In addition, Wave allows you to manage multiple businesses on one free account and uses double-entry accounting, which is ideal for accountants and tax time. When it comes to using Wave Payments, a better question is whether you should use Wave in general. There are more competitive flat-rate payment systems for low-volume businesses (Square, Stripe, PayPal), assuming that payment services are what you’re most concerned about. If you’re already using Wave to organize your sole proprietorship, having an integrated payment processing solution is a huge convenience. You’ll be able to invoice clients right from Wave, set up recurring payments, or add a transaction link to your website or social media account.

It isn’t easy to do business online without processing credit/debit cards or ACH payments. If you want to do business outside your local market, you’ll probably need to accept cards. Professional, customizable invoices that are quick and easy to create. Send invoices on the go using Wave’s iOS and Android apps, which automatically sync to your accounting records so your bookkeeping is already done. Send unlimited recurring invoices to as many customers as you want—all free. Enable invoice payments through credit card, bank and Apple Pay.