# Compare Zoho Invoice vs Wave 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Zoho Invoice and Wave based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/163114-178021/Zoho-Invoice-vs-Wave-Apps --- # Zoho Invoice 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: Zoho InvoiceWave2/4 selected [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.7 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) [## Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.7 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) Starting Price Contact vendor Value-for-Money 4.7 Functionality 4.6 Ease of Use 4.7 Customer Service 4.5 Reviews Sentiment Based on [823 reviews](#user-reviews) Positive 789 Neutral 28 Negative 6 [## Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,720)](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 [1,720 reviews](#user-reviews) Positive 1,503 Neutral 107 Negative 110 ## 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. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 15,172 reviews from billing and invoicing 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 74%Fit Missing features Feature ratings Invoice Creation 4.8 Invoice Processing 4.7 Payment Processing 4.5 Credit Card Processing 4.2 Quotes/Estimates NA 64%Fit Missing features Feature ratings Invoice Creation 4.7 Invoice Processing 4.6 Payment Processing NA Credit Card Processing 4.5 Quotes/Estimates NA User satisfaction User satisfaction 4.7 User reviews[823](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) Ease of use 4.7 Functionality 4.6 Value for money 4.7 Customer support 4.5 User satisfaction 4.4 User reviews[1,720](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 Zoho Invoice is the perfect invoicing tool for freelancers and small business owners. It caters to the needs of every size of business, especially small businesses. 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 JR Julie R. Owner > "What I like most about Zoho invoices is the ability to create custom invoices and send them to my customers." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7047359) MAU Marcos Alberto U. Manager > "On the billing system although it is very complete it can be confusing for some new users, it can be difficult to..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6561443) MM Matthew M. Summer Talent Intern > "Zoho invoice is free for use making it my favorite tool for creating invoices and it makes it easier to track..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7052937) SK Shawna K. Executive Director > "Zoho implemented OneAuth that doesn't work so every month when I go to login & send invoices I can't" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6846447) VR Verified Reviewer Business Manager > "We are able to track our in-house lab invoices which makes it easy for me to calculate month end totals." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7015112) BC Bernard C. Owner > "i can't go mobile yet to make my clients receipts right there when they ask, I have to email them, and they be..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6507519) VR Verified Reviewer Writer > "You can choose from a ton of beautiful and customizable templates, add your logo and even automate recurring..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6326230) VR Verified Reviewer Musician > "It's also a little annoying to set up invoices for time - I work as a musician and often have to bill people for a..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6610151) VR Verified Reviewer Founder of NKS PVT LTD > "With the help of this I was able to send professional invoices quickly along with automatic payment reminders to my..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6462222) SS Sally S. Tutor > "I don’t like that once you set up a customer, you cannot change the monetary unit they are invoiced in once you have..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6509776) GS George S. Senior Recruiter > "Zoho Invoice is an exceptional invoicing solution, particularly for freelancers and small businesses looking for a..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6617552) DY Daniel Y. Director > "Difficult to handle invoicing in more than one currency in this free version." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6430866) RT Ricki T. Owner > "It is a great free tool that makes it super easy to send invoices and collect payments together in one place" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7137830) DZ Dana Z. Owner > "It is quite a bit confusing at first, trying to figure out how to adjust the email. " [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6819796) Sarp O. Founder > "It succeeds in meeting all the needs of managing the very basics of accounting like creating and sending a quote, an..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6653863) MAC Miguel A C. Sr. Consultant > "I use it as a replacement for quick-books that has now decided to make even the desktop version a MONTHLY..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___5051167) MC Mary C. Managing Director > "Simple, high level of functionality, free for first 1000 invoices, genuinely supporting small businesses, excellent..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6743628) RR Renato R. Video Production > "Sometimes it can get complicated to understand all the different features and how they work without having to be an..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6649948) NS Natalie S. Senior immigration Advisor > "Zoho invoice is free of charge and it's easy to use the pre made template to create invoce and receipts." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7068498) JL Jay L. Owner operator > "Don't like that it will erase your account if not used in 6 months." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6504558) VR Verified Reviewer Writer > "It features a dashboard where you can keep track of your business performance with insightful charts and graphs." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6326230) VR Verified Reviewer Writer > "You can’t produce financial statements." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6326230) ET ELAYNA T. PRESIDENT > "I LOVE THE FACT THAT ITS FREE AND STILL COMES WITH THE ABILITY TO ADD YOUR EXPENCES FOR EACH JOB SITE, AND EVEN..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6510942) SG Sunil G. Partner > "Some features are hiding and cannot be found easily." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6730447) CH Christopher H. Owner > "The payment processing is simple and has all the features that I need for my small business." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7009611) TS Tiffany S. Accounting > "The Zoho product especially Zoho invoice is costly like hell" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6613947) AK Ashfak K. Senior executive > "It provides a clean, user-friendly interface that makes creating and sending professional invoices simple and..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6567410) AV Alan V. Assessor > "Option to email is a little difficult." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6544745) AH Alton H. owner > "Zoho has awesome features including different payment gateways to receive credit card payments." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6490643) Pedro L. CEO > "Since it is not a certificated solution, it cannot be used in many countries where certified invoicing software is..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6186398) VR Verified Reviewer Writer > "With this software, you can send invoices with ease from mobile or web and get paid quickly." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6326230) Lynda D. business systems strategist > "when a new invoice line is entered, the empty default line remains and has to be deleted" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4815713) KD Katie D. Human Resources Generalist > "They're the way to go if you want an invoice platform with a almost seamless interface, without paying top dollar." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6488612) VR Verified Reviewer Marketing Manager CRM > "Some features are unusable." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6351595) MR Martin R. Owner > "It was an essential tool to access to invoice clients as a small business." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7034907) GC Gina C. Founder/Partner > "I cannot bill different currencies for the same client in different invoices. " [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#SoftwareAdvice___5017042) Sara B. Accountant > "The way I can crate and manage invoices for all customers is spectacular" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6641411) PR Peter R. Creative > "It's a shame they won't let you delete old customers on the free system but retain invoice history." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#SoftwareAdvice___6053753) VR Verified Reviewer CRM Manager > "overall experience was very good, i used zoho invoice for sending out the invoices to my clients and vendors and..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6615579) RS Raziela S. Owner of WMA and Music teacher > "I am unable to link my bank account to zoho invoice because I am based in South Africa." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#SoftwareAdvice___6128302) SS Sara S. Property Manager > "I also love the level of customization regarding color scheme, logo, etc." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6734251) Skyler B. Freelance Content Writer > "I don't like the way that the card payments via Stripe appear on the invoice." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4801370) DA Doreen A. Sales Manager > "I have had an easy time preparing invoices with the software as it deals with all areas of invoicing and reporting..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6179502) SG Shauna G. packager > "sometimes have issues." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6668593) KD Katie D. Human Resources Generalist > "What's also helpful is the fact that I can craft invoices in different languages." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6488612) AG Adam G. Deputy executives officer > "the application is slow on mobile phones yet many user are using android phones" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4971695) Sergio A. Director > "It has all features needed for freelancer like design of invoice, templates, tracking, etc." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4852169) RS Raziela S. Owner of WMA and Music teacher > "I can't afford the dollar to South African Rand exchange rate per transaction." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#SoftwareAdvice___6128302) RV Rene V. Partner > "We registered our small business and didn't have capital to buy software or anything and with Zoho it was so easy I..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6655852) JH Jessica H. Owner and Designer > "After researching other options, I decided that Zoho Invoice no longer met my growing needs." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4957076) BB Brian B. Business Owner > "Professional and its free, makes things very easy with reports and statements for clients etc." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6537865) KM Karl M. Owner > "cant do qoutes on app without loading new items" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#SoftwareAdvice___6005134) DS David S. Customer Service Representative > "Zoho Invoice makes it super easy to create and send professional invoices." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6692754) VR Verified Reviewer Director > "Need some custom editors Cannot change sequence in invoice while adding, will have to delete that line and do it..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4226294) VR Verified Reviewer Digital Creator > "I like the fact it's secure by 2FA for the signing." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___7019943) JB John B. director > "Nothing yet, apart from the factor two authenticator almost locked me out of my system" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#SoftwareAdvice___4961341) Sanchita J. Technical Support Expert > "Very customizable tool according to the business requirement and needs." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6654042) Bernard C. Principal Consultant > "Unfortunately, for that feature, Zoho requires an upgrade, which is understandable." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6228337) SG Sunil G. Partner > "I am very happy to use this software for my quotes and billing needs." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6730447) AA Arun A. Principal Consultant > "Some features on template were difficult to customize" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6139795) AA Angelo A. Director > "very much appreciate the free access provided to low transaction volume users." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6727935) KM Katleho M. Technician > "Payment options are not so accessible in my country, South Africa." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6294139) SS Sara S. Property Manager > "I really like the customization on the invoices." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6734251) JAK Jean-Ann K. Manager > "The fact that not all applications are available in the mobile version" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6279967) AV Alan V. Assessor > "Enjoy the auto calculation of totals." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6544745) ST Sergio T. Marketing Consultant > "This being, that whenever I update an invoice, either on my iPad or iPhone - it doesn't seem to update in real time..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4451536) JH Jessica H. Owner and Designer > "This was fantastic entry-level software when my business was still very young, that allowed me to streamline invoice..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4957076) BM Barry M. Director > "The pricing is too expensive for s small entity." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4937549) SS Sally S. Tutor > "I like that I was able to set it up myself with little initial knowledge of invoicing software." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6509776) MS Marco S. Managing Director > "The invoice email template editor was hard to use" [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6137943) DT Deborah T. Chief Executive Officer > "Zoho Invoice helps me generate sales receipts for my business easily and efficiently." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___5079284) FF Frances F. Sr. Counsel > "The invoice only allows for products, so time conversions are not the best and are hard to understand." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4787509) AV Alan V. Assessor > "Good at assisting invoicing process." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6544745) Nitin S. Senior Graphics Designer > "That's a little downside for me while using this tool. And their support team is a little slow in response, it took..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4653497) EB Erhan B. Managing Director > "Brilliant system, especially since it's free and contains so much functionality." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6567013) DC David C. Investigator > "I do not like the layout at all and I don't understand why on earth it hasn't been updated." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4819206) ZM Zina M. President > "There are a lot of features that allow you to see information of each customer in a variety of ways." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___4854556) MN Marion N. Owner > "The main issue I had was that it was missing a strong estimation software that they had implemented in their CRM..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___3554793) JJ JD J. Owner > "I am just a small business owner doing construction work and Zoho makes it easy for me to get my invoices out and..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#Capterra___6207092) AV Andries V. Car services > "Having to retype all the vehicle's details every time they come back for a car service was just painful!Now, it is..." [See full review](https://www.capterra.com/p/163114/Zoho-Invoice/#GetApp___4724934) [View Reviews](https://www.capterra.com/p/163114/Zoho-Invoice/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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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..." [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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) CP C P. President > "The invoicing and payment acceptance is good." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7121842) 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) 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) ZM Zina M. President > "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) NB Nick B. President > "Great value which helped manage based transactions." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7088399) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6688373) 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..." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___4894880) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) HG Hylda G. CEO > "As a sole proprietor, I do like that it has a free option to keep my overhead costs manageable." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___6581819) 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) AG Annie G. Sr. Accountant > "The reporting and dashboard functionality is easy to generate and great to track cash flow." [See full review](https://www.capterra.com/p/178021/Wave-Apps/#Capterra___7019878) 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 4.73 (823) [Wave](https://www.capterra.com/p/178021/Wave-Apps/) 4.38 (1,720) ## 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 Accounting Integration 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Zoho Invoice Top features 23/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/163114/Zoho-Invoice/#features) Wave 16/50 - Accounting Integration - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Automated Receipt Matching - Backup and Recovery - Billing Portal - Bulk Send - Client Management - Compliance Management - Contact Database - Contingency Billing - Credit Card Processing - Credit Note - Customizable Branding - Customizable Invoices - Customizable Reports - Customizable Templates - Document Management - Dunning Management - Duplicate Detection - Dynamic Pricing - Email Management - Event Logs - File Encryption - File Sharing - Financial Management - Fraud Detection - Generative AI - Hourly Billing - Invoice Creation - Invoice History - Invoice Processing - Master Data Management - Mobile Payments - Multi-Currency - Multi-Language - Online Invoicing - Payment Processing - Process/Workflow Automation - Project Billing - Projections - Purchase Order Management - Purchasing & Receiving - Quotes/Estimates - Real-Time Data - Real-Time Reporting - Recurring/Subscription Billing - Reminders [See all features](https://www.capterra.com/p/178021/Wave-Apps/#features) ### Recognition Zoho Invoice is recognized as a top-rated tool in 5 Capterra Shortlist reports Best Value Billing and InvoicingSoftware (2026)  Best Value Billing and InvoicingSoftware (2025)  Best Value Billing and InvoicingSoftware (2024)  Best Value Billing and InvoicingSoftware (2023)  Best Value Billing and InvoicingSoftware (2022)  Wave is recognized as a top-rated tool in 5 Capterra Shortlist reports ### Deployment & support Zoho Invoice 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 Zoho Invoice - By Zoho - Located in United States - Founded in 1996 Wave - By Wave - Located in Canada - Founded in 2009 ## Popular Comparisons [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $0 Price $38/month 4.6 Features 4.3 4.7 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/163114-190778/Zoho-Invoice-vs-QuickBooks-Online) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,439)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $19/month Price $38/month 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) [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,395)](https://www.capterra.com/p/207944/PayPal/reviews/) $0 Price $0.29 4.6 Features 4.6 4.7 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/163114-207944/Zoho-Invoice-vs-PayPal) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,395)](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) [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) vs [Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/) $0 Price €0.01/month 4.6 Features 4.6 4.7 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/163114-268623/Zoho-Invoice-vs-Abby) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](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) [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,637)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $0 Price $2210/year 4.6 Features 4.4 4.7 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/163114-174984/Zoho-Invoice-vs-QuickBooks-Enterprise) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,637)](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) [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) $0 Price $25/month 4.6 Features 4.3 4.7 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-163114/Xero-vs-Zoho-Invoice) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,290)](https://www.capterra.com/p/120109/Xero/reviews/) $19/month Price $25/month 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) [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/)[4.73 (823)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) vs [Bookipi](https://www.capterra.com/p/195165/Bookipi/)[4.76 (176)](https://www.capterra.com/p/195165/Bookipi/reviews/) $0 Price $0/month 4.6 Features 4.6 4.7 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/163114-195165/Zoho-Invoice-vs-Bookipi) [Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,720)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,035)](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)