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When I signed up with Wave it was a no brainer. It’s been one of the best decisions I’ve made when it comes to making sure my accounting is on point. After creating your account, everything’s set up so you can get started right away.

• The proper tax forms—1099 in the US and T4-A in Canada—are also generated for you.
• Track your income and expenses, easily and for free, with Wave’s accounting software.
• See our step-by-step guide on how to import bookkeeping data into Wave here.
• Wave Payroll If you use Wave Payroll and are a Canadian business, these terms apply.
• Accounting software helps business owners understand how money flows in and out of their businesses.
• When I signed up with Wave it was a no brainer.

If you’re on-the-go, you can also send invoices from your phone or other mobile device using the Wave app. Save time chasing customers by setting up automatic payment reminders. The right software helps business owners quickly categorize transactions and generate financial statements. These include cash flow reports, balance sheets, profit and loss statements, and expense breakdowns. Accounting software helps business owners understand how money flows in and out of their businesses.

Automate overdue reminders, set up recurring bills, and add notes or terms of service with ease. Wave is one-stop money management for small business owners. 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.

Automatic tax remittances

Transactions will appear in your bookkeeping automatically, and you can say goodbye manual receipt entry. We totally get it—running payroll for your small business can seem like a daunting task, especially when you’ve got so much on your plate. That’s why a payroll software like Wave’s can help ease the burden of doing payroll on your own. We’ve also crafted a guide to small business payroll to help you navigate the process.

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.

To download the app:

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.

These features help keep our invoicing, accounting, and business banking (currently only available to sole proprietors in the US) free. These features help keep our invoicing, and accounting, free. Wave’s optional paid features include online payment processing, payroll software, and access to personalized bookkeeping services and coaching through Wave Advisors. If you’re interested in using payroll software, you can start a free 30-day trial when you sign up for Wave. Electronic invoices are created with online invoicing software or other cloud-based services, which makes it easy to automate the invoicing process. Electronic invoices also provide small business owners with professional-looking digital invoices that their customers can pay easily online through a system like Wave’s online payments.

Easily switch from another payroll provider

This can help you save time and make financial decisions quickly. When everything is neatly where it belongs, tax time is simple. Wave’s smart dashboard organizes your income, expenses, payments, and invoices.

It replaces the time-consuming method of collecting receipts in a drawer and manually tracking revenue and expenses in a spreadsheet or with pen and paper. 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. 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.

Sign up for a free Wave account and send your first invoice right away—it only takes a few minutes! You can also set up recurring payments, auto-reminders, and deposit requests to make sure you always get paid on time. You can connect nearly 10,000 different bank and credit card accounts with Wave, so your financial transactions import automatically to make your bookkeeping simple. Stripe If your processing of credit card payments is powered by Stripe, you’re bound by their Terms of Service.

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. You technically can process payroll without using software, but this can be risky, especially for employers who don’t have the time or accounting skills to process payroll correctly. Mistakes and errors can lead to hefty tax penalties, which would offset any money saved through DIY payroll processing methods. This is why it’s recommended that small business owners use payroll software instead.

Full details on how Wave support works are available here. 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. Digital invoicing empowers your small business by automating invoice processing and saving time by tracking key invoice data like upcoming and outstanding invoices. You can also manage late payments more efficiently through e-invoicing by setting up payment reminders to send to your customers before an invoice due date.

Banking

With the Wave Money business banking account, managing your business finances is a breeze. Wave invoices are integrated with our free accounting software, so payments are recorded accounting software and categorized for you – which means less bookkeeping and tax season prep. Payroll software saves you time so you can focus on the best parts of running your business.

Keep compliant and save time by having Wave handle your Canada Revenue Agency tax remittances on your behalf. Send invoices whenever and wherever you want with Wave’s free app for iOS and Android. Wave Payroll If you use Wave Payroll and are a Canadian business, these terms apply. Developer API Including but not limited to developer.waveapps.com, api.waveapps.com. Wave Payroll If you use Wave Payroll and are a U.S. business, these terms apply.

Payroll

Congratulations on being the sort of person who reads Terms of Service. Below, you’ll see the Terms to which you must agree if you’re going to use Wave’s payment services. Our lawyers wrote that, and that’s the stuff that counts. We’ve also provided some plain language wording—how we’d explain it to someone who didn’t have the time to read and digest the whole thing. We hope it helps you make sense of this document so that you can understand what you’re consenting to. Upon processing your first payroll, you can use Wave Payroll for up to 30 days, commitment-free.