# Compare Spendesk vs Wave 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Spendesk and Wave based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/157515-178021/Spendesk-vs-Wave-Apps

---

# Spendesk vs Wave Features and Cost Comparison

Last updated March 13th, 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:

SpendeskWave2/4 selected

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.7 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

[## Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.7 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.6

Ease of Use

4.8

Customer Service

4.5

Reviews Sentiment

Based on [228 reviews](#user-reviews)

Positive

220

Neutral

5

Negative

3

[## Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,721)](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

4.4

Customer Service

4

Reviews Sentiment

Based on [1,721 reviews](#user-reviews)

Positive

1,504

Neutral

107

Negative

110

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## Send this comparison chart to my inbox

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What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 23,179 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

73%Fit

Missing features

Feature ratings

Data Security

4.9

Online Payments

4.7

Payment Fraud Prevention

NA

Debit/Credit Card Processing

4.9

Expense Tracking

4.6

\--%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

4.7

User reviews[228](https://www.capterra.com/p/157515/Spendesk/reviews/)

Ease of use

4.8

Functionality

4.6

Value for money

4.5

Customer support

4.5

User satisfaction

4.4

User reviews[1,721](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

Ease of use

4.4

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

Spendesk serves growing businesses (50-1,000 employees) needing complete spend control from procurement to payment. Perfect for companies seeking AI-powered automation and full visibility.

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

Head of RevOps

> "It also offers great automations, particularly for expense management."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___7103589)

VR

Verified Reviewer

Head of RevOps

> "When reporting an expense, it can take a while to fill in all the fields - I wish the OCR feature would automatically fill them for me."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___7103589)

Julien G.

RevOps Specialist

> "Very easy to use for uploading receipts, its smart receipt detection and role-based access system are excellent."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___7034469)

SH

Sameh H.

Finance Manager

> "We have had experience were credit card get blocked quite alot"

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___6745650)

SAC

S. Andrew C.

CSS

> "Use it mainly when I need to use a virtual card for an emergency for my customers great interface never has any trouble with it"

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___6002453)

SM

Sara M.

Operations Specialist

> "Then, the report at the end of the month needed to be modified because the import process to Netsuite was very touhg and the final..."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___4797045)

VR

Verified Reviewer

CEO

> "It allows me to have a better follow-up of my expenses management, it allows me to automate my invoices management by email."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___4409574)

SM

Sara M.

Operations Specialist

> "The multi currency was not very good covered, and we changed to other product."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___4797045)

Ruben W.

Head of Artificial Intelligence & Machine Learning

> "I like being able to issue virtual cards for unforeseen expenses or employee travel, keeping a very detailed record of expenses in case of..."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___3646435)

JM

Jack M.

Systems Manager

> "Customer service was slow to respond and often unhelpful."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___4693354)

Demian P.

IT Director - Artificial Intelligence

> "pendesk is a very effective expense control platform, which has allowed us to avoid budget disasters in our area and to keep a record of..."

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___3654071)

JN

Julia N.

Head of Research

> "Not much - I wish there were more proactive email alerts, but maybe I have not set this up right"

[See full review](https://www.capterra.com/p/157515/Spendesk/#Capterra___2927775)

[View Reviews](https://www.capterra.com/p/157515/Spendesk/reviews/)

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 and..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7057865)

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 blanket..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7100967)

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)

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)

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 invoicing..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7070138)

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)

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)

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)

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)

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)

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 services..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7146548)

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)

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 efficiently..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6602890)

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)

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 AR."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6390842)

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 accounts..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6626409)

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 bank..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6728053)

BT

Brianna T.

Lead Editor

> "Wave filed my quarterly state taxes incorrectly, leaving me with penalties and interest that they refuse to reimburse me for."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7019364)

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 reports..."

[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 that you..."

[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 and..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6592682)

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)

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)

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 bills are..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834)

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)

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)

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 in..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7086796)

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)

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 cards..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7030509)

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)

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)

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)

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)

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)

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 over in..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7140679)

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 then..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6634637)

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)

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)

SD

Soma D.

Lead Educator

> "Love that I can clone invoices saving time for repeat services to same clients ( art coaching in my case)"

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6335399)

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 will..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#SoftwareAdvice___4958000)

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)

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)

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)

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)

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)

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)

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)

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 because I..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6169573)

CP

C P.

President

> "The invoicing and payment acceptance is good."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842)

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)

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)

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)

NB

Nick B.

President

> "Great value which helped manage based transactions."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399)

AJ

Angel J.

HMIS Operations Manager

> "Wave Accounting does not have advanced features that allow us to directly connect to other systems to import the data through an API instead of manual..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4894880)

AM

Angela M.

Owner

> "I will eventually move up to one of the paid subscriptions as this program has enabled me to be more professional with invoicing."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6368547)

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)

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 leave and..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6688373)

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)

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 the..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___5064893)

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)

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)

BT

Brianna T.

Lead Editor

> "Highly unethical company that does not care about their customers at all."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7019364)

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)

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)

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)

MA

Melanie A.

Consultant

> "It’s a tedious process when working on a client with multiple projects and I wish that it was possible to revert an invoice to a quote or copy as an..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4858454)

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)

KN

Kyle N.

Dentist Owner

> "Many issues arose but none was addressed."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6841735)

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)

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)

MG

Morgan G.

Office Manager

> "Easily start using this product with minimum accounting knowledge or experience - free version gives you the ability to track all you expenses and..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4897686)

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 business..."

[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)

AJ

Angel J.

HMIS Operations Manager

> "Using Wave Accounting the most important features we have used are the automated transaction categorization, bank reconciliation, multi-currency..."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4894880)

PS

Perry S.

Property Manager

> "I have encountered two notable bugs within their software."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6562834)

JC

Jamie C.

CEO

> "Wave provides a cost-effective and efficient platform that simplifies accounting."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6794390)

NK

Naveed K.

Managing Principal

> "Accounting was a problem."

[See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7031220)

[View Reviews](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

## User interface

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)

4.74 (228)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)

4.38 (1,721)

## 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

Spendesk

Top features

18/37

-   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/157515/Spendesk/#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

No recognitions have been awarded to Spendesk

Wave is recognized as a top-rated tool in 5 Capterra Shortlist reports

### Deployment & support

Spendesk

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

Spendesk

-   By Spendesk
-   Located in France
-   Founded in 2016

Wave

-   By Wave
-   Located in Canada
-   Founded in 2009

## Popular Comparisons

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.74 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

vs

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/)

Contact vendor for pricing

Price

$0.29

4.6

Features

4.6

4.8

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/157515-207944/Spendesk-vs-PayPal)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

$19/month

Price

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4.2

Features

4.3

4.4

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/178021-190778/Wave-Apps-vs-QuickBooks-Online)

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.74 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

vs

[Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.6

4.8

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/157515-222572/Spendesk-vs-Venmo-)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

vs

[PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/)

$19/month

Price

$0.29

4.2

Features

4.6

4.4

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/178021-207944/Wave-Apps-vs-PayPal)

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.74 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

vs

[Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.5

4.8

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/123889-157515/Stripe-vs-Spendesk)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

vs

[Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/)

$19/month

Price

€0.01/month

4.2

Features

4.6

4.4

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/178021-268623/Wave-Apps-vs-Abby)

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.74 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

Contact vendor for pricing

Price

$38/month

4.6

Features

4.3

4.8

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/157515-190778/Spendesk-vs-QuickBooks-Online)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

vs

[QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,639)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/)

$19/month

Price

$2210/year

4.2

Features

4.4

4.4

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/174984-178021/QuickBooks-Enterprise-vs-Wave-Apps)

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.74 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](https://www.capterra.com/p/135757/NetSuite/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.6

Features

4.2

4.8

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135757-157515/NetSuite-vs-Spendesk)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

vs

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/)

$19/month

Price

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4.2

Features

4.3

4.4

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/120109-178021/Xero-vs-Wave-Apps)

[Spendesk](https://www.capterra.com/p/157515/Spendesk/)[4.74 (228)](https://www.capterra.com/p/157515/Spendesk/reviews/)

vs

[QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,639)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/)

Contact vendor for pricing

Price

$2210/year

4.6

Features

4.4

4.8

Ease of Use

4.3

[View full comparison](https://www.capterra.com/compare/157515-174984/Spendesk-vs-QuickBooks-Enterprise)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](https://www.capterra.com/p/135757/NetSuite/reviews/)

$19/month

Price

Contact vendor for pricing

4.2

Features

4.2

4.4

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135757-178021/NetSuite-vs-Wave-Apps)