Accept credit card and digital payments from
your invoices

Wave makes getting paid fast (we're talking 1 to 2 days-fast1), frictionless, and fun.

A man holding five credit cards, along with a screenshot of a Wave invoice payment confirmation

How accepting cards and digital payments works

Simple invoice icon

1. Send your invoices

Email invoices with a secure “Pay Now” button after you’ve enabled the online payments option.

Payment icon

2. Get paid online

Customers can pay instantly by credit card or Apple Pay when they view the invoice online.

Money deposit icon

3. Money is deposited

You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US)1.

Priced right for small businesses

Unlimited invoicing, accounting, and expense tracking are included, 100% free.

Credit Cards
2.9% + $0.60
per transaction
3.4% + $0.60
per AMEX transaction
  • Get paid out in 1 to 2 business days1
  • Customers pay by any major credit card right from your invoice
  • Accept digital wallet payments through Apple Pay
A headshot of a Wave customer

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

Speed up your cash flow.

Start now

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.

Learn more about bank payments
A hand depositing money into a bank

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.

Frequently Asked Questions

Is your software actually free?

What’s the catch—how does Wave make money?

Is Wave's software something I need to install?

Is my data secure when I use Wave?

Do you provide customer support?

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Get your money faster with Payments.
I love money