# Compare Wave vs ePayPolicy 2026 | Capterra

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

Source: https://www.capterra.com/compare/178021-198072/Wave-Apps-vs-ePayPolicy

---

# ePayPolicy vs Wave Features and Cost Comparison

Last updated June 3rd, 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:

ePayPolicyWave2/4 selected

[ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

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

[## ePayPolicy](https://www.capterra.com/p/198072/ePayPolicy/)[4.9 (258)](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

Starting Price

$25.00/month

Value-for-Money

4.8

Functionality

4.8

Ease of Use

4.9

Customer Service

4.8

Reviews Sentiment

PG

Based on [258 reviews](#user-reviews)

Positive

256

Neutral

0

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

75%Fit

Missing features

Not enough reviews

Feature ratings

Data Security

5.0

Online Payments

4.9

Payment Fraud Prevention

4.8

Debit/Credit Card Processing

4.8

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

4.9

User reviews[258](https://www.capterra.com/p/198072/ePayPolicy/reviews/)

Ease of use

4.9

Functionality

4.8

Value for money

4.8

Customer support

4.8

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

$25Per Feature, Per Month

-   Free version
-   Free trial

Price starts from

$19Flat Rate, Per Month

-   Free version
-   Free trial

Best for

Best for

Independent Agents, MGAs, Brokers, Carriers, Premium Finance Companies

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

PEG

Paul E G.

Agency Owner

> "What I like most is I can invoice the customer and give them an option to pay EFT or credit card with a 3.5 fee. Or EFT with a..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005274)

BR

BECKY R.

ACCOUNTING MANAGER

> "WE DO NOT HAVE THE ABILITY TO DECLINE PAYMENTS BEFORE THEY ARE POSTED. WHEN A PAYMENT NEEDS TO BE RETURNED THERE ARE SEVERAL DAYS..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000990)

RD

Rosalie D.

President

> "The branded payment page adds a polished touch, and the ability to accept ACH and card payments within 24 hours has dramatically..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883470)

SK

Stephanie K.

Insurance Agent

> "Clients often have to pay processing fees (especially for credit card payments), which can cause friction or..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883270)

SC

Stacey C.

Account Executive

> "Also, ePay is integrated into our management system when a client pays us it automatically reconciles that payment and it's..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883471)

NL

Nimisha L.

Principal Owner

> "Emails - Should be able to mask the email with the agency name. As it may goto client spam box or they may not trust it as its not..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883550)

VR

Verified Reviewer

Accounting and Operations

> "Our clients can simply and securely pay their premiums via a link we have available on our invoices and email without any..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882366)

MB

Mark B.

Insurance Agent-Broker

> "Also the other Major dislike about using ePayPolicy is it has a $10,000 transaction limit, whereas Anddone has no limit and their..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005236)

JL

Jing L.

Accountant

> "It made collecting payments from clients much more efficient, and the integration with our existing accounting system saved us a..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005190)

BF

Brendan F.

Insurance Broker

> "I was unable to locate the created invoice in our AMS system using the account number or invoice number."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883228)

TK

Tabatha K.

Account Manager

> "I also always let the client know when making their ACH or Credit card payments their payment information is safe and secure as..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882364)

KW

Kurt W.

Agency Owner

> "Before having ePayPolicy I had no way other than checks for payment in full for insurance policies that didn't offer payment plans"

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005195)

SH

Sojha H.

Principal

> "Payments come in quickly, deposits are reliable, and I can keep better track of my sales and client payments all in one place."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005708)

DW

Diana W.

CSR

> "It is sometimes difficult for customers to find their invoices if they enter the wrong zip code, etc."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000520)

BC

Branda C.

Agent

> "Being able to accept credit card payments and having a professional looking payment landing page for my clients."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000540)

BE

Brianna E.

Accounts Receivable

> "Also if there are credits on the account (which are unseen to insured), payment is not taken and can sometimes be overlooked and..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000917)

VR

Verified Reviewer

Account Manager

> "Really has helped us cater to our busy clientele, very limited learning curve and even our least tech savvy team members have..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7158205)

SF

Sam F.

VP of Underwriting

> "It is hard to get things processed or checked through the admin side of the website."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882342)

BB

Bobbi B.

Commercial Agent

> "We just started with ePay but so far it is proving to be very useful to our agency, particularly with speeding up the time it..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000451)

PD

Pedro D.

CEO

> "Another issue I have, is that deposits are not always deposited in a timely manner."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882604)

Ashley B.

Finance Director

> "The ability to send reminder emails to our clients is quick and efficient."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157819)

MB

Mark B.

Insurance Agent-Broker

> "I dislike the link you get from epaypolicy to add to emails is really long."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005236)

NL

Nimisha L.

Principal Owner

> "She told me I was an angel (lol) because she was able to make her premium payment right from her couch—without writing checks,..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883550)

CC

Catherine C.

Operations Manager

> "Sometimes it is difficult to explain to clients why the card fees are a percentage."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7006444)

CD

Clay D.

CFO

> "Site integrations are very robust and we're able to plug in other tools like premium finance and back end processing."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005661)

JH

JORDAN H.

Sr. VP - Director of Operations

> "Having to split larger transactions is frustrating."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882299)

LW

Lynnette W.

President

> "Efficiency - we love being able to send our clients a link and for them to easily make payment."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157825)

LK

Leslie K.

Agent

> "Credit card and ACH fees, but I know that can't be helped."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882308)

MB

Matthew B.

agent manager

> "ease of the service, ability to send links or just create invoices, refund policy is great as well, all around great service"

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000496)

DW

Diana W.

CSR

> "It has highlighted some issues on our agency's side."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000520)

DR

Damon R.

Agency Principal

> "We also find the program to pay our wholesales directly very easy and creates tracking for us as well."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882304)

TF

Tanner F.

Account Executive and Member

> "The website is slow to load."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6883459)

ALM

Ana Laura M.

President

> "The system is safe and secure and makes the client feel more comfortable by avoiding having to give their banking info to process..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005631)

AH

Andrew H.

Insurance Agent

> "Sometimes we need to send refunds to clients, and I have to hand write checks which I hate because it is time consuming."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081697)

AG

Angela G.

Insurance Broker

> "I am thankful that it provides clients with the option to pay with a bank account or a credit card."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882327)

DV

Donna V.

Agency Principal

> "Premiums collected are not "INCOME" to my agency, they are gross premiums, 90% of which is the carrier's premium."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081932)

CR

CHARLES R.

Owner

> "The process is streamlined and seamless for use as a broker. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157690)

SM

Stacy M.

Commercial Lines Manager

> "The payment amount cap has created a few issues on larger accounts attempting to make their premium payments."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081374)

ALM

Ana Laura M.

President

> "It has given my business the ability to keep up with the times and new ways of conducting business."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005631)

TK

Tracey K.

Commercial Insurance Agent

> "Honestly i do not think i have anything that i dislike about epay system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000444)

AB

Annika B.

Accounting and Administrative Coordinator

> "It doesn't seem to break very often at all, and the dependability is pretty unmatched."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7158154)

LM

Lee M.

owner

> "Price and useability Why do they charge us a monthly fee when they are collecting Exorbitant fee's from the client's. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081296)

TK

Tabatha K.

Account Manager

> "It is a great tool that helps our clients pay their agency billed payments quickly and conveniently. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882364)

AH

Andrew H.

Insurance Agent

> "I have to click several links to get to it, which is annoying since it's one of only two features I use."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081697)

LS

Lois S.

Accounting

> "Our clients love the option to pay for their agency bill invoices online."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005187)

DK

Diane K.

Accounting

> "Sometimes the time between client payment and the money getting to our account seems excessive."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081864)

AJ

Adrienne J.

Vice President

> "Great addition to have an option for payments to offer clients and easy to add link to email footer for them to use."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005655)

BM

Betty M.

Owner

> "Delay waiting for funding (not their fault but still can take a few days to get funded)."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081240)

LO

Luis O.

PRESIDENT

> "It’s user-friendly, fast, and secure, which gives our customers peace of mind while helping us streamline operations."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005579)

KS

Kaitlin S.

Office Manager

> "The fees on credit/debit card fees would be my least thing I like about it."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081391)

TE

Tara E.

Bookkeeper

> "The simplicity of sending clients a link for payment has been great. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7157685)

BA

Brandy A.

Agency Owner

> "We are unable to set up reoccurring payments without action from the client."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081847)

KC

Kelley C.

Account Executive

> "The platform is user-friendly, secure, and integrates seamlessly with our agent management system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005570)

DM

Douglas M.

President

> "It does not integrate with our agency management system."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081694)

GG

Gregory G.

CEO

> "ePayPolicy is easy to use; it has improve our agency's workflow and really helps with "just in time" situations when policies need..."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7005789)

KH

Kristi H.

CSR

> "The cost of running a credit card it getting to high."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081772)

AB

Ava B.

Senior Account Manager

> "My experience with ePay has been in assisting our clients to process their payments to our agency. "

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6882279)

CR

Cheryl R.

Account Manager

> "I feel $10.00 is a bit much."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6081712)

CB

Carmen B.

CEO

> "I run a small agency, and finding a reliable way for clients to make payments was a top priority."

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___7000484)

CE

Cindy E.

ceo

> "price is not very good and it takes too long to process"

[See full review](https://www.capterra.com/p/198072/ePayPolicy/#Capterra___6087187)

[View Reviews](https://www.capterra.com/p/198072/ePayPolicy/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

4.88 (258)

[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

ePayPolicy

Top features

23/37

-   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/198072/ePayPolicy/#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 ePayPolicy

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

### Deployment & support

ePayPolicy

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

ePayPolicy

-   By ePayPolicy
-   Located in United States
-   Founded in 2014

Wave

-   By Wave
-   Located in Canada
-   Founded in 2009

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