Wave Invoicing Fee Calculator
Calculate merchant fees for Credit Cards (2.90% + $0.60), Amex (3.40% + $0.60), and ACH Bank Payments (1.00%) across Wave Starter and Pro plans.
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Wave Payments Fee Schedule by Plan & Payment Type
| Invoice Amount | Starter Card (2.9% + 60¢) | Pro Card (2.9% + 30¢) | ACH Bank (1% min $1) | Amex (3.4% + 60¢) |
|---|---|---|---|---|
| $100 | $3.50 | $3.20 | $1.00 | $4.00 |
| $500 | $15.10 | $14.80 | $5.00 | $17.60 |
| $1,000 | $29.60 | $29.30 | $10.00 | $34.60 |
| $2,500 | $73.10 | $72.80 | $25.00 | $85.60 |
| $5,000 | $145.60 | $145.30 | $50.00 | $170.60 |
| $10,000 | $290.60 | $290.30 | $100.00 | $340.60 |
Compare Wave with Other Business Invoicing Tools
Wave Fee Architecture & Cost Breakdown (2026)
Understanding payment deductions on Wave requires evaluating fixed per-transaction fees, percentage processing cuts, and platform commissions:
Bank transfer rail with strict dollar fee caps, saving thousands on large corporate contracts.
Standard credit card acceptance on invoices for clients prioritizing points or corporate cards.
Optional fee to transfer invoice proceeds to your debit card within 30 minutes instead of 2-day bank clearing.
Mathematical Profit & Breakeven Derivations
Setting selling prices without accounting for blended transaction deductions causes margin erosion. Use this algebraic gross-up formula:
Reverses payment processing deductions so the client covers fees and you receive 100% of your consulting contract.
Strategic Margin Defense: 4 Protocols for Wave
Implement these operational treasury tactics to maximize net take-home earnings:
Incentivize ACH on Invoices Above $500: Leverage the $5-$10 fee cap to save 90%+ compared to credit card processing.
Add Gross-Up Surcharges for Credit Cards: Specify in contract payment terms that card payments incur a 3% processing convenience fee.
Automate Weekly Late Payment Reminders: Trigger automated invoice reminders to accelerate DSO (Days Sales Outstanding).
Disable Instant Payout Options: Rely on standard 2-day ACH settlement to eliminate the 1.5% instant transfer penalty.