Wave Invoicing Global Directory
Select your market to calculate localized Wave processing fees, Starter 60¢ vs Pro 30¢ comparisons, and direct bank payment rates (ACH / EFT).
Frequently Asked Questions
What are official Wave Invoicing payment processing fees in 2026? ▼
On Wave Starter ($0/mo), credit card processing is 2.90% + $0.60 for Visa/Mastercard/Discover, 3.40% + $0.60 for Amex, and 1.00% ($1.00 minimum) for ACH bank transfers. On Wave Pro ($16/mo), card fixed fees drop to $0.30.
At what invoice volume does Wave Pro ($16/mo) pay for itself? ▼
Wave Pro reduces the card fixed fee from $0.60 to $0.30 (saving $0.30 per charge). Processing 54 or more card payments per month saves $16.20+, completely offsetting the monthly subscription cost.
How does the Wave Gross-Up formula calculate exact invoice totals? ▼
To receive an exact $1,000 net on Wave Starter (2.9% + $0.60): Gross Invoice = ($1,000 + $0.60) / (1 - 0.029) = $1,030.48. For Wave Pro (2.9% + $0.30): ($1,000 + $0.30) / (1 - 0.029) = $1,030.18.
Why should service businesses incentivize Wave ACH bank payments? ▼
Wave ACH costs 1.00% with a $1.00 minimum fee. On a $3,000 project invoice, credit card processing fees cost $87.60, while ACH costs $30.00, putting an extra $57.60 directly into your pocket.
What are Wave payout timelines into business checking accounts? ▼
Standard card payments deposit in 1 to 2 business days. ACH bank transfers typically require 3 to 5 business days to clear interbank rails. Wave Pro accounts gain access to next-day payouts.
Does Wave charge fees when a client pays via cash or physical paper check? ▼
No. Recording offline payments (paper checks, cash, wire transfer) in Wave is 100% free with zero transaction fees.
What dispute and chargeback fees apply to Wave Payments? ▼
Wave charges a non-refundable $15.00 dispute administration fee if a customer files a chargeback with their credit card issuing bank.
How does Wave compare to QuickBooks for freelancers and sole proprietors? ▼
Wave offers free core invoicing and bookkeeping software, whereas QuickBooks Online starts at $30+/month. For micro-businesses sending 5–15 invoices per month, Wave eliminates recurring software overhead.