Wave
Accounting, invoicing, online payments and payroll in one place for small businesses and solopreneurs.
About Wave
Wave is a money management suite for small business owners, freelancers and solopreneurs. It brings accounting, invoicing, payments and payroll together in one system, so you do not need to piece together separate tools.
You can track income and expenses, follow cash flow, see who owes you and who you owe, and run reports to help with decisions and tax preparation. Wave says it is built for business owners rather than accountants.
Invoices and estimates can be created in a few clicks. Customers can pay by credit card, bank transfer or Apple Pay, according to the vendor. Payroll is available for paying employees and managing contractors.
- Accounting with income, expense and cash flow tracking
- Professional invoices and estimates, including recurring invoices
- Online payments by card, bank transfer or Apple Pay
- Payroll for employees and contractors
- Mobile app alongside the web experience
- Optional one-to-one help from bookkeeping, accounting and payroll advisors
Wave is a Canadian-founded company (Wave Financial Inc.). Availability of payments and payroll, supported currencies and local tax features vary by country, so check the vendor's pricing and help pages before relying on it in Ghana.
What it does
Requirements & licence
| Runs on | Android, iOS, Web browser |
|---|---|
| Internet | Needs internet |
| System requirements | Modern web browser and internet connection; mobile app available. |
| Licence | Freemium — Proprietary (commercial SaaS) |
| Source code | Not included — you buy the right to use the software, not ownership of the code |
| Distribution | Online service |
| Last updated | 17 Oct 2026 |
| Support | Community or self-service |
| Documentation | Read the user guide |
Downloads
Learn Wave
Hand-picked video tutorials from YouTube to help you get started and get more out of it.
Videos are made by independent creators and play from YouTube. More on YouTube
Get trained on Wave
Want yourself or your team trained to use Wave properly? Tell us and we will arrange a trainer — online or in person.
Do you teach Wave? Become a trainer.
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Publisher
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