# Compare Wave vs Zil Money 2026 | Capterra

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

Source: https://www.capterra.com/compare/178021-10014229/Wave-Apps-vs-Zil-Money

---

# Zil Money vs Wave Features and Cost Comparison

Last updated July 10th, 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:

Zil MoneyWave2/4 selected

[Zil Money](https://www.capterra.com/p/10014229/Zil-Money/)[4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/)

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.4 (1,726)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

[## Zil Money](https://www.capterra.com/p/10014229/Zil-Money/)[4.7 (103)](https://www.capterra.com/p/10014229/Zil-Money/reviews/)

Starting Price

$30.00/month

Value-for-Money

4.6

Functionality

4.5

Ease of Use

4.6

Customer Service

4.5

Reviews Sentiment

JL

AH

Based on [103 reviews](#user-reviews)

Positive

95

Neutral

6

Negative

2

[## 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

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## 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

\--%Fit

Missing features

Feature ratings

Data Security

4.7

Online Payments

NA

Payment Fraud Prevention

NA

Debit/Credit Card Processing

4.5

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

4.7

User reviews[103](https://www.capterra.com/p/10014229/Zil-Money/reviews/)

Ease of use

4.6

Functionality

4.5

Value for money

4.6

Customer support

4.5

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

$30Usage Based, Per Month

-   Free version
-   Free trial

Price starts from

$19Flat Rate, Per Month

-   Free version
-   Free trial

Best for

Best for

United States Businesses Small and medium businesses Entrepreneurs Freelancers

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

JL

Justin L.

Owner

> "Check Printing & Digital Checks: The feature that allows businesses to customize and print checks on blank stock paper or send..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7020578)

MO

Michael O.

Owner

> "Tracking sometimes payments get lost or pods get misplaced but tracking payment following up payments fall through or if..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6408333)

AH

Ahmad H.

Engineer

> "The mobile app experience is clean and functional, allowing users to manage transactions on the go with the same features..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836036)

DW

Davon W.

CEO

> "Customer service and the fact of the matter that they took forever to answer my call just to do nothing for me when I clearly..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7019917)

JAP

Jonica Ariel P.

CEO

> "The ease of creating your own secure way of making payments for small business owners who have to make every penny count."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7021227)

DW

Davon W.

CEO

> "Bad because the customer service was horrible they didn't do anything I asked them to do and it's like I just was on the phone..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7019917)

JL

Justin L.

Owner

> "It helped me keep my money secure and help me do quick money transfers when I needed it."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7020578)

CM

Charles M.

Owner

> "The app is a bit hard to see all the buttons and I'm not about to access the features."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6376400)

DS

Dmitriy S.

Add Marketing

> "Very fast transactions, hadn’t had any problems with it yet I use this for all my online transactions, works great like any..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7068863)

AM

Annie M.

Strategy and Operations Manager

> "The customer support can take a while to get help when something goes wrong."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836035)

SA

Shadma A.

CEO

> "The platform is easy to use, transactions are smooth, and their customer support team is excellent, with live agents available..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7063983)

BS

Bridillia S.

Admin

> "The setup is confusing and hard to deal with"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6416100)

PC

Pulkeet C.

Founder

> "I found it convenient and time-saving. While there’s a slight learning curve at the beginning, once you get used to the..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836050)

FF

Fernando F.

CEO - IT Consultant

> "I did not like that some funding sources where not available for all methods of payments, particularly eChecks"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6351395)

FF

Fernando F.

CEO - IT Consultant

> "Online Check Writer has made it easy to access our funds and credit lines from one place to take care of our accounts payables..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6351395)

BB

Beau B.

Owner

> "Overall it has been difficult. If I have to go back and forth to submit another payment I'll just use a different service."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6334998)

PC

Pulkeet C.

Founder

> "I liked the user-friendly interface and the ability to create and send checks instantly."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836050)

AF

Anthony F.

Owner

> "Nothing that I can think of off the top of my head"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6572744)

ZAHWAAN A.

Manager

> "It's relaible for daily use and I appreciate the range of payment options it offers"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836121)

AH

Ahmad H.

Engineer

> "I really still testing it till now, and I still did not find anything that I do not like."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836036)

AG

Abderahmane G.

Agriculture

> "Overall, Zil Money has helped streamline my payment and accounting processes."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836154)

CM

Cheyenne M.

None

> "I havent found anything yet that i can i say i dislike about zil"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6412307)

PC

Pulkeet C.

Founder

> "It saves a lot of time for small businesses and freelancers like me."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6836050)

PD

Presley D.

Owner

> "I can’t think of much that I don’t like about zil money only could be faster processing."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6362141)

JAP

Jonica Ariel P.

CEO

> "It was a no hassle quick process that left me stress free!"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7021227)

AS

Adam S.

Directer

> "I never got any free money and the signing of the check never happened"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6349152)

BL

Bonita L.

Work from home mom

> "I generally appreciate Zil Money for its comprehensive suite of financial tools, which help streamline various aspects of..."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6354571)

FP

Frances P.

Administration

> "Only thing is that customer service so somewhat difficult to get in touch with."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6354884)

BK

Bridgette K.

Owner

> "I like being able to offer my customers different payment options including ACH, debit, and credit card."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6357281)

AR

Ardinay R.

Owner

> "There isn't anything that really bother me about the app, maybe add on some features?"

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6348567)

AS

Ashley S.

Owner

> "This company is a great opportunity to take Adamvantage of using."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___7029093)

AF

Amber F.

Co owner

> "Don’t like using online services for anything."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6341507)

CM

Charles M.

Owner

> "The ease of access and the multiple features that go well with small business."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6376400)

CS

Cayden S.

CEO

> "I really don't have an compliants about zil money."

[See full review](https://www.capterra.com/p/10014229/Zil-Money/#Capterra___6357284)

[View Reviews](https://www.capterra.com/p/10014229/Zil-Money/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

4.69 (103)

[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

Zil Money

10/37

-   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/10014229/Zil-Money/#features)

Wave

Top features

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 Zil Money

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

### Deployment & support

Zil Money

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

Zil Money

-   By Zil.US
-   Located in United States
-   Founded in 2008

Wave

-   By Wave
-   Located in Canada
-   Founded in 2009

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