Wave Financial Inc.

Wave Financial Inc. offers a wide range of money management tools designed to help small business owners manage their finances efficiently. These tools include invoicing, payments, accounting, banking, payroll, and advisory services. Wave’s invoicing software allows users to create and send professional invoices, set up recurring billing, and accept online payments via credit card, bank transfer, or Apple Pay. The accounting software features automatic transaction import, categorization, and integration with invoicing and payment tools. Payroll services include direct deposit, tax payments and filings, and employee access to pay stubs and tax forms. Wave also provides a mobile app for invoicing and payments, available on both iOS and Android platforms, and a receipt scanning feature that uses OCR technology to convert transaction details into digital expense records. Additionally, Wave offers a range of free tools and resources such as payroll calculators, time clock calculators, and pay stub generators. Their payment processing services include accepting credit card payments and bank payments (ACH/EFT) with competitive transaction fees, ensuring that payments are deposited within 1-2 business days for credit card payments and 1-7 business days for bank payments. Wave’s Pro Plan includes features like discounted online payment rates, auto-import and categorization of bank transactions, unlimited receipt scanning, automated late payment reminders, and the ability to customize invoice schedules for recurring customers. Pro Plan subscribers also benefit from live customer support and additional user access for collaboration. Wave’s services are web-based, requiring no installation, and are accessible via an internet connection and browser. The company ensures the security of its services with 256-bit SSL encryption and PCI-DSS Level 1 certification for handling credit card and bank account information. Wave also offers personalized bookkeeping, accounting, and tax services through Wave Advisors. Over 2 million small business owners in the US and Canada rely on Wave to manage their finances effectively.