# Compare Stripe vs Wave 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Stripe and Wave based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/123889-178021/Stripe-vs-Wave-Apps --- # Stripe vs Wave Features and Cost Comparison Last updated April 22nd, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: StripeWave2/4 selected [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.6 (3,354)](https://www.capterra.com/p/123889/Stripe/reviews/) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) [## Stripe](https://www.capterra.com/p/123889/Stripe/)[4.6 (3,354)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Value-for-Money 4.3 Functionality 4.5 Ease of Use 4.5 Customer Service 4.2 Reviews Sentiment Based on [3,354 reviews](#user-reviews) Positive 3,111 Neutral 119 Negative 124 [## Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Starting Price $19.00/month Value-for-Money 4.6 Functionality 4.2 Ease of Use 4.5 Customer Service 4 Reviews Sentiment Based on [1,726 reviews](#user-reviews) Positive 1,508 Neutral 107 Negative 111 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. ## Summary * * * Key features rated by users Features selected based on 23,599 reviews from payment processing software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 82%Fit Missing features Feature ratings Data Security 4.6 Online Payments 4.7 Payment Fraud Prevention 4.5 Debit/Credit Card Processing 4.6 Expense Tracking NA \--%Fit Missing features Feature ratings Data Security 4.3 Online Payments NA Payment Fraud Prevention NA Debit/Credit Card Processing NA Expense Tracking 4.4 User satisfaction User satisfaction 4.6 User reviews[3,354](https://www.capterra.com/p/123889/Stripe/reviews/) Ease of use 4.5 Functionality 4.5 Value for money 4.3 Customer support 4.2 User satisfaction 4.4 User reviews[1,726](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Ease of use 4.5 Functionality 4.2 Value for money 4.6 Customer support 4.0 Price starts from Price starts from \-- - Free version - Free trial Price starts from $19Flat Rate, Per Month - Free version - Free trial Best for Best for Stripe is used by online retailers, SaaS companies, marketplaces, AI companies, platforms, crypto businesses, creator economy platforms, and global enterprises. Best for Wave helps small business owners, freelancers, solopreneurs, and consultants in the US and Canada manage accounting, payroll, invoicing, estimating and other processes. ## User reviews Pros & cons VR Verified Reviewer Owner Operator > "As a freelancer, it is fantastic to be able to assign services, automatically allow my clients to pay for them, and even allows me to utilize retainer situations." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7120966) Ashish T. Owner > "My experience has been disappointing. While the platform works well initially, the risk management and compliance process can result in sudden account closures..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7130367) LS Louis S. CTO > "What I appreciate the most is the developer-friendly API and the extensive documentation, which makes integration straightforward, whether you're handling one-off..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7155140) OE Olu E. Complaince Manager > "However, as a business grows, the lack of personalized, high-touch support and the creeping costs of add-on services are the only things that would make me glance..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7128114) BB Bree B. Adv Ops Coordinator > "It’s a reliable and flexible payment platform that works well for processing donations and online transactions. While there is a bit of a learning curve with more..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7124008) Ashish T. Owner > "My account was closed on Feb 28, 2025, and even after more than a year, my available balance has not been released. Despite multiple follow-ups, including..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7130367) SP Sonu P. Systems Analyst > "One of the biggest advantages is the developer-friendly setup and flexible API integrations, which make customization and automation much easier for growing..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7152529) VR Verified Reviewer Student > "The flat-rate transaction fees can become quite expensive as my sales volume grows, and I wish there was more room to negotiate rates." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7125616) VR Verified Reviewer Student > "It is a reliable, all-in-one ecosystem that has allowed me to scale my business from a simple mobile reader to a full retail setup." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7125616) MK Maksim K. Manager > "Unfortunately, the Remittance Emails are garbage because they don’t indicate which deposits are included in the email so I have to guess." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7110950) VR Verified Reviewer Owner > "It handles credit card payments efficiently, offers useful reporting tools, and provides a secure way to process transactions." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7113704) KS Katherine S. Paralegal > "Fund holding has a long wait time and transactions are not resolved quickly for anywhere between 7 and 14 days." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7098128) MK Maksim K. Manager > "The support have also been surprisingly responsive to issues that we encounter and the customer portal allows customers to make payments without having to leave..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7110950) MK Maksim K. Manager > "The syncing between the website and the module can be very inflexible at times, which is frustrating." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7110950) OE Olu E. Complaince Manager > "Global Reach: The ability to accept 135+ currencies and automatically handle VAT/Tax calculations (via Stripe Tax) is a lifesaver for international scaling." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7128114) ZJ Zakau J. Landlord > "Overall, I pay a yearly subscription for stripe that is nothing compared to the value I get for their payment processing platform." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7090237) Dante B. Owner > "Integration with other tools allows me to easily add payments seamlessly into websites and other software without hurting my brand." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7077205) VR Verified Reviewer Student > "I also find it frustrating that getting a live person on the phone for technical support can be difficult during busy weekend hours." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7125616) JO Joy O. Team Member > "It helps me to accept payments smoothly, track transactions easily and manages invoices without stress." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7102933) RM Rodel M. Founder > "However, things took a frustrating turn when Stripe suddenly labeled our business as "high risk" without providing any evidence and placed an indefinite hold on..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6492826) SC Scott C. Director of Ecommerce > "Stripe has been a great payment processor for our online training platform, seamlessly integrating with WooCommerce and WooCommerce subscriptions, allowing us to..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6853883) AB Anna B. Kinesiologist > "Stripe takes a fee off of the transactions which decreases my revenue." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7138793) MH Matthew H. Tutor > "The ability to customise invoices with branding is a strong advantage and helps maintain a professional appearance." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7129014) MJ Meg J. Owner-instructor > "I do not like that there are multiple separate accounts with the same name under my business's Stripe account." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7081786) SP Stephanie P. American accent coach > "It does what I need it to do, and I like that I can accept various payment methods and allow customers to pay in their local currency." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7132046) EP Eugene P. Chief Operating Officer > "I have two streams of revenue but it is not letting me consolidate both streams" [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7147652) Jayme V. Owner > "Payment links, hosted checkout pages, and simple product setup allow you to start selling almost immediately." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7122152) CP Candace P. Director of HR > "For example, if we have to manually resend an invoice to a client, we are unable to add any body to that email, the client just receives the invoice." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6814426) Craig B. Managing director > "We like how we can intergrate stripe with our accounting software allowing clients to pay by debit card or credit card direct from their invoice." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7036786) Luke R. Marketer > "I run digital ads for multiple Fortune 500 clients and this couldn’t be further from true, and honestly not sure how any of my invoices would give this idea to..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6858648) OE Olu E. Complaince Manager > "Seamless Integration: Whether you are using a "no-code" solution or building a custom API, Stripe is the easiest platform to plug into your business." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7128114) PS Paul S. Software Engineer > "Stripe can be expensive, especially for international transactions with currency conversions." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7080810) VR Verified Reviewer Owner > "The setup is straightforward, and the dashboard is clean and simple to navigate, which makes managing transactions, payouts, and customer info stress-free." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7133574) CM Caitlin M. Editor > "The payment fees are similar to other payment processors, although they do add up." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7148023) LS Louis S. CTO > "It strikes a great balance between ease of use for non-technical users and flexibility for developers. Despite the fee structure and occasional support delays,..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7155140) KW Kate W. Office Manager > "The fees can be high especially when using payment options such as Klarna or similar companies. When handling refunds it can be a hit." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6858353) OP Oleg P. financial analyst > "Irish American financial services company, that encrypts credit cards and other method on payments, works great for international payments" [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7127397) VR Verified Reviewer Ceo > "One time i messed up on a set up and it took awhile to hear back but i do understand business is business and takes time to reach out." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7119648) Jayme V. Owner > "Stripe has made it possible for me to launch and test multiple digital products without needing a complicated financial setup or a full development team." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7122152) BP Bianca P. Owner > "My only complaint with Stripe is when they updated their customer portal and it was a little harder to navigate than the original." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7015354) MK Maksim K. Manager > "It works pretty well and accepts ACH and credit cards with minimal configuration and the funds are deposited every day." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7110950) DR Dan R. Developer > "I don't like some of the fees being higher for handling multiple stripe managed accounts (for example when running a marketplace platform)" [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7042866) JM James M. Sales Representative > "The interface is sleek and I am sure about where my money goes each time. When paying using a credit card via Stripe, the whole experience seems seamless as..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7128013) Ashish T. Owner > "Account closures and fund holds are a major concern." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7130367) SG Shea G. Counselor > "They link with CarePatron, another excellent software, which allows me to manage all self-pay patient in one easy to use platform." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7130958) Amber L. Owner > "I needed to be able to accept payments at vendor shows and stripe isn't the best option for that." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7018708) MH Matthew H. Tutor > "Highly customisable invoices, including the ability to add branding and logos" [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7129014) Dante B. Owner > "In addition, their handling of my recent dispute has given me little faith in using tools like them." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7077205) SP Sonu P. Systems Analyst > "Mobile access is also strong, allowing teams to monitor payments and activity on the go." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7152529) JM James M. Sales Representative > "Their customer service is not helpful in case anything happens." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7128013) BN Bill N. Senior Financial Accountant > "Further, Stripe reporting allows us to reconcile our credit card payments with ease." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7130225) HE Holly Elizabeth É. Yoga Instructor > "The webpages are a little "busy" visually and the payments take around 5 -7 days to arrive in my bank account." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6798783) Amber L. Owner > "Stripe's APIs and customization options are really impressive, allowing me to provide an easy checkout experience for my customers." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7018708) Ryan P. SPEECH LANGUAGE PATHOLOGIST > "Unfortunately, with stripe, you’re going to incur processing fees. Either the patient pays them or you do." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7104883) SP Sonu P. Systems Analyst > "For businesses handling online sales, the platform offers excellent value for money considering the reliability, scalability, and range of features available." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7152529) EP Eric P. ERP Supervisor > "Some of the advanced features were not intuited by our team as quickly as we'd hoped, either." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7166314) KL Kaleena L. Sr. Communications Consultant > "It supports various ways to pay for goods or services and its encrypted system is trustworthy and reliable." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7077085) FC Frank C. Owner > "We were dealing with fraudulent credit card disputes for almost $50K in charges and they did not help at all." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6871416) EB Emma B. Financial Controller > "My overall experience with Stripe is positive, the software successfully collects payments and automatically pays-out into the bank account at regular intervals." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7091165) VR Verified Reviewer Artist Painter > "Any idiot would know that that setting should be a given. How on earth did they expect me to know first of all that I made a sale and second, where to send my..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7033700) VR Verified Reviewer Vice President > "Stripe directly integrates with all of our fundraising systems, making it easy to accept credit cards for donations, merch, or any other revenue stream." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7067279) Mailen G. Self-employed > "One thing I liked least is that customer support can sometimes take longer than expected to respond." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7158510) MH Matthew H. Tutor > "It handles card payments smoothly and makes it easy to send invoices and payment links to clients." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7129014) PP Peter P. administrator > "use verified methods such as PAYPAL, GOPAY and other payment gateways because Stripe and Klarna are maximally incompetent." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6418675) Jack I. Head of IT Development > "Simplicity in its design, rich in features for managing payment processing, invoicing and more." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7095368) ZF Zach F. Staff Accountant > "It was challenging to find the reporting options as a new user." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7113374) Simon F. Director > "We’re currently using it successfully to collect payments form clients via a payment portal." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7096050) Konstantin P. CEO > "When first time I was trying to find information about how much does it cost it was hard." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7145281) Jayme V. Owner > "The dashboard is clean and intuitive, making it easy to track payments, refunds, and customer activity without feeling overwhelmed." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7122152) VR Verified Reviewer Artist Painter > "What happened was Stripe charged me – $14.66 for a dispute fee and my bank charged me – $38.00 overdraft fee." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7033700) Dan J. COO > "Love Stripe's vast array of connectivity for use as payment processor for platforms that don't have other options." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7115479) VR Verified Reviewer Artist Painter > "Needless to say, I have decided to flush Stripe down the toilet and resume using PayPal to set up my checkout pages." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7033700) ZF Zach F. Staff Accountant > "The platform works great in combination with Foundant CommunitySuite so that payments are automatically processed." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7113374) EP Eugene P. Chief Operating Officer > "Feel like I am kept hostage of Stripe as a result of the SaaS tool we chose to use." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7147652) Jayme V. Owner > "However, for most founders launching digital products or services, the core functionality is accessible and reliable without needing extensive development..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7122152) ED Eri D. Founder > "Overall there is not another payment processor that I would go with, especially for the space that I'm in." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___7160032) DJ Daniel J. SDR > "Stripe was able to link with our payroll app (remote) they were able to offer me the ability to connect my Bancolombia account and receive my payroll." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6810145) PP Peter P. administrator > "they only rob sellers of money! if you own an e-shop, don't even think about this payment gateway, and if you have one, end the cooperation as soon as possible,..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6418675) HJ Happiness J. Computer Software Engineer > "It contains a software development kit that enables me to safely receive payments, it gives me options to make payments to businesses and anywhere, and it makes..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6783467) Leah G. Detailer > "What a confusing slow mess of a product with a terrible app to boot. If you don’t receive payments through them regularly they will put your entire account on..." [See full review](https://www.capterra.com/p/123889/Stripe/#Capterra___6389851) [View Reviews](https://www.capterra.com/p/123889/Stripe/reviews/) Amber M. Owner > "The option to create recurring invoices has been amazing, as well as the reports I can pull at the end of each year." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) KW Kristyne W. Travel Advisor > "I tried to set up a way to send invoices and receive payments through Wave, but even after I was approved, they removed my access due to a..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7100967) Ron W. Property Management, Development and Investment > "Love the free version but it’s super basic and limited but upgrading to paid version is very expensive when using it for more than 1 business..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) EK Emir K. Principal > "My customer paid through Wave by ACH/bank payment, and the funds were withdrawn from the customer, but Wave did not release the payment to my..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) PM Pauline M. Owner - Manager > "The automation with sync banking and categorizing expenses and income is vey useful for identifying balancing books keeping your tasks on track." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6863968) VR Verified Reviewer Engineer > "Payment processing fees are a bit high, and customer support is limited if you don't pay for a plan." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148) CV Criselen V. Owner > "It lets me save customer info and items with their price so that I can easily add it when making a new invoice." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6886239) ML Melissa L. Admin siding installer > "A major pain point for users is the lack of robust, live customer support for free users, who are generally limited to an online help center and..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7032951) CB Craig B. Owner > "Uptime and use are great - I have a few low volume clients and non-profits that cannot afford the other packages - now they are charging for..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7146548) NB Nick B. President > "Excellent for almost two years until doing my taxes this year and lost the ability to export transactions without upgrading my plan." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) JM Jolly M. Data Associate > "Wave has the visibility and control needed across accounts payable, global payments, procurement and employee expenses to run business more..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890) KS Kathryn S. Coach and Consultant > "Wave's integration with my bank has not always worked effectively, and that has caused some problems." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7102433) KC Kimberly C. Administrative Consultant > "I did like that there is a free option available. If you are just starting out as a new business owner and want to get your bookkeeping and..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7070138) BT Brianna T. Editor > "They messed up our tax reporting and left us with outstanding taxes due." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) DO Donald O. Executive Technical Director > "Wave has robust features that enables me to eradicate manual processes during data entry in various aspects such as bank reconciliation, AP and..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6390842) EK Emir K. Principal > "I would never use Wave again under any circumstances, and I strongly recommend that other businesses look for other invoicing and payment..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) MHE Michael Herbert E. Furniture Salesperson > "It is like a piece of cake, the creation of invoices is very fast and the bank sync functionality works well to connect automatically from my..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6728053) ZD Zeah D. CPA, Owner > "The transaction screen and recording process with it listing everything in the main screen, is sometimes hard to track, especially if all the..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6626409) PS Perry S. Property Manager > "I'm able to use their free tier to reconcile my accounts, automatically import transactions, send professional invoices, and produce financial..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) HM Heather M. Therapist > "Their AI tool is alright but makes mistakes. When you use their native Checkouts tool for collecting payments, they are categorized in a way..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656) FCY Fu-Chieh Y. Email Developer > "I particularly appreciate the extensive customization options available for documents like invoices, allowing them to appear both professional..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6592682) EK Emir K. Principal > "Based on my experience, I would not recommend Wave Payments to any business that depends on timely access to customer payments." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) CB Craig B. Owner > "Accounting software is free - great for small (micro) businesses just starting out or that only have low volume of transactions." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7146548) AG Ana G. CEO > "It can become cumbersome to manage service inventory, having to create new 'products' for each custom service to then sift through." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6665440) SA Suman A. Owner,Bookkeeper,TAxPreparer > "Reliable and cost-effective for invoicing, expense tracking, and bank reconciliation." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7161951) NC Nilsa C. Music Therapist, Owner > "This slows me down when I'm invoicing or reconciling accounts." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7155987) JC Josh C. Co-Owner > "The invoices and auto invoices work quite well and look nice and it is easy for my customers to pay." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7130051) BT Brianna T. Editor > "Wave underwent a merger/acquisition over the summer in 2025 that completely ruined their operations." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) NC Nilsa C. Music Therapist, Owner > "What I like most about wave is how it's helped me organize my sole-proprietor finances without costing me anything." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7155987) Ron W. Property Management, Development and Investment > "Lack of connectivity ability to import Banks & Credit Cards transctions" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) WEU William E U. Owner > "I have generally had no issues with the program and when I did have one (the only one), the company support was able to resolve the issue for me..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7086796) PS Perry S. Property Manager > "Second, I've encountered a rounding error within bills that has resulted in my Accounts Payable account being a few cents off even after all..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) AC Aaron C. Founder and CEO > "It's easy to navigate and makes the quoting, invoicing, and payment processes very streamlined -- while accepting payments from all major credit..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7030509) Tim O. Partner > "Wave went silent for weeks, only resolve was to email the company and those went unanswered. " [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7108329) AG Alessandro G. Owner, Operator > "Great for bookkeeping, invoicing, credit card payments, and payroll (before the change)." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6862751) Ron W. Property Management, Development and Investment > "Poor Value for the money with paid version because each account requires additional pay subscription" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865) TW Tracey W. Bookkeeper > "I do bookkeeping services and this product works well with categorizing income and expenses to generate financials." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6666390) HM Heather M. Therapist > "The process for automatically categorizing payments and income doesn't work as smoothly as it could." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6467656) JL Joseph L. Principal > "Excellent in every way as I have used it for now 3 tax years without complaint from either myself or my accountant who works with what I send..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7140679) NB Nick B. President > "I wouldn’t recommend Wave anymore unless you’re prepared to pay just to retrieve your own data." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) SJ Sarah J. Office Manager > "I also love that you can individual turn on/off payments for each invoice and estimate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7026186) CP C P. President > "Ended up moving to another service because of poor support." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) BT Brianna T. Editor > "Wave was a fine and affordable accounting and payroll service that was user-friendly and easy to navigate." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7163455) PS Perry S. Property Manager > "Finally, most accountants and bookkeepers use QuickBooks and aren't familiar with Wave, so I don't recommend Wave for anyone with an outsourced..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834) EO Elvis O. Audit Associate > "The software is also easy to navigate, making accounting tasks like invoicing, tracking expenses, and managing payments relatively simple." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6599331) AR Alec R. Owner > "Spent hundreds of $$ for multiple calls with a help pro who did the work and had me watch but never actually taught me how to do it myself. And..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6634637) VR Verified Reviewer Engineer > "It is a simple, reliable way to track my income." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148) MC Marie C. Executive Director > "Their Payments by Wave function does not always match the payment to the deposit properly." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6739424) WL Whitney L. Business Owner > "I like the simplicity of the app and the ability to keep track of finances as well as accept ACH payments." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6574695) MM Monica M. owner > "They processed my payroll for my employees and then declined it after taking out the money, and then proceeded to tell me the accounting people..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___4958000) Nathan H. Treasurer > "Wave is a very cheap way for solo entrepreneurs." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7123716) SC Sean C. Marketer > "Some things are just weird, like when they hold the funds or do a review without explanation." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7042580) CP C P. President > "The invoicing and payment acceptance is good." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) AG Aaron G. Owner > "However towards the end of 2024 the customer support has disappeared - no response on the live chat and no response via email." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6691975) KS Kathryn S. Coach and Consultant > "I'm not a professional bookkeeper, and I felt way more confident using Wave than I did using Quickbooks." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7102433) Amanda J. Owner > "In the recent past, I've had issue with them processing tax payments on time, and their support has significantly decreased from the past." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6782379) NB Nick B. President > "Great value which helped manage based transactions." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) ZM Zina M. Owner > "As a result of that, they severely limited the features I could use on their product, which left me stranded and search of a new provider..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6169573) SD Sienna D. Massage Therapist > "It worked well for me for the couple years that I used it, but once they started charging for things I originally had access to, I decided to..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6688373) TW Theresa W. CEO > "You can't convert a percentage of an estimate to an invoice (industry norm)." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___6387466) SK Sheila K. Admin > "What I liked about wave the most would be the pricing, it seemed I could easily figure things out." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7154231) JB Jennifer B. Mobile Notary > "Lack of integrations, lack of customization options. " [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6378492) PH Paul H. Owner, Electrician > "It's very easily customizable with your logo and information, and the invoices look sharp, clean & professional, with multiple options to send..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5064893) AR Austin R. director > "They lied and mislead people into believing their products work across all banks and they don't." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6786484) HW Hasini W. Software Engineer > "The real-time financial snapshots and automated processes save our time a lot." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6401796) JM Jolly M. Data Associate > "It is also disappointing that some banks are not fully implementable on the software." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890) Amber M. Owner > "The customer support has always been helpful when I've needed it." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) AF Alice F. Property Maintenance > "Unfortunately we only use this app for invoicing and not expenses due to the fact that scanning receipts is not yet available in the UK." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5039189) Amber M. Owner > "It's super affordable and easy to implement, which was a great starting point when I launched my business!" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7117842) EK Emir K. Principal > "This is unacceptable for a small business." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7175388) DM Dlkhosh M. CEO > "Has Unlimited invoicing with customizable templates and payment terms and dedicated invoicing mobile app." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6131062) BM Brie M. Operations Director > "Not robust enough for complex accounting situations" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6624225) SK Sheila K. Admin > "The free tools that wave offers is also a very good Plus." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7154231) JO John O. Finance Officer > "I do not experience challenges with Wave when running accounting projects." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6670711) JM Jenna M. Operations > "Easy to use and pretty conperhensive for invoicing and tracking." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7113566) KC Kelsey C. Accountant > "That there is no customer service phone number to talk to someone." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6724007) VR Verified Reviewer Engineer > "The accounting features are totally free and very easy to use." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7076148) NM Noureddine M. Logistic manager > "for the option pay roll it's not available in Quebec" [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6614845) AG Aaron G. Owner > "I have been using Wave since 2021 for multiple businesses, and I used to be a strong advocate for the software when talking to other small..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6691975) AG Alessandro G. Owner, Operator > "Employees have not gotten paid in 6 weeks." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6862751) [View Reviews](https://www.capterra.com/p/178021/Wave-Apps/reviews/) ## User interface 4.60 (3,354) [Wave](https://www.capterra.com/p/178021/Wave-Apps/) 4.38 (1,726) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Stripe Top features 21/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/123889/Stripe/#features) Wave 16/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/178021/Wave-Apps/#features) ### Recognition Stripe is recognized as a top-rated tool in 5 Capterra Shortlist reports Wave is recognized as a top-rated tool in 5 Capterra Shortlist reports ### Deployment & support Stripe Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Wave Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Stripe - By Stripe - Located in United States - Founded in 2009 Wave - By Wave - Located in Canada - Founded in 2009 ## Popular Comparisons [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,354)](https://www.capterra.com/p/123889/Stripe/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,504)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 4.5 Features 4.6 4.5 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/123889-207944/Stripe-vs-PayPal) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $19/month Price $38/month 4.2 Features 4.3 4.5 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/178021-190778/Wave-Apps-vs-QuickBooks-Online) [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 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Features 4.5 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/123889-275802/Stripe-vs-Square-Point-of-Sale) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,659)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $19/month Price $2210/year 4.2 Features 4.4 4.5 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/174984-178021/QuickBooks-Enterprise-vs-Wave-Apps) [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,354)](https://www.capterra.com/p/123889/Stripe/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.16 (142)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Contact vendor for pricing Price $99/month 4.5 Features 4.2 4.5 Ease of Use 4.3 [View full 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