Accounting Software for Small Businesses

The term “Communications” means any notice, record, agreement, or other types of information that are made available to you or received from you in connection with the Payment Service or other related services.The decision of whether to do business electronically is yours. You agree to cooperate with us and provide any information that may be reasonably requested by us in our investigation of any cancelled, invalidated or refused payment transactions. When using the Payment Service to make Payments, you may elect to save your Payment information (card information or bank account information, as applicable) for future Payments. When you schedule a payment, you should allow sufficient time for the Payee to receive the Payment by its due date, which will be two (2) to three (3) business days after the Payee has accepted the Payment. You are solely responsible for any fees (including late, overdraft, return or over limit fees) charged by your card issuer, your bank or the Payee. You are responsible for ensuring that you have adequate available credit for Card Payments or that the funds are available in your bank account for Bank Payments.

You agree and understand that the Payee is not required to accept your payment. We will make reasonable efforts to send you notice that your Payment is not complete, but you are solely responsible for ensuring payment has been sent, received, and accepted in the correct amount by the Payee. We are not liable for any failure to complete a Payer’s Payment on the correct date or in the correct amount, if you provide inaccurate or incorrect information. We may request that you provide additional information to verify your identity or a Payment. A business day is defined as Monday through Friday, except for legal holidays.

No sweat accounting

• Click here to view the new policy, which takes effect on January 10, 2025.
• Communications are considered received by you within twenty-four (24) hours of the time they are emailed to you or posted to our website.
• Below, you’ll see the terms you’re agreeing to when you use the Wave Payment Service.
• We are not liable for any failure to complete a Payer’s Payment on the correct date or in the correct amount, if you provide inaccurate or incorrect information.
• The term “Communications” means any notice, record, agreement, or other types of information that are made available to you or received from you in connection with the Payment Service or other related services.The decision of whether to do business electronically is yours.

For information on credit card rates, visit the pricing section for details.‍ “Most of my clients pay with credit cards using the secure link on the invoice. At any time, you may withdraw your consent to receive electronic Communications by contacting Your consent to do business electronically and our agreement to do so covers all transactions you conduct through the Payment Service.‍ Use of the Payment Service constitutes consent to use any personal information which you provide us during the payment process for the purposes set out in our Customer Privacy Policy and for all other related uses for which your consent may reasonably be implied.

Look and feel polished, keep your books organized, and kick tax season’s butt, whether you’re a newbie or seasoned pro. “Wave makes your life a whole lot easier and takes that worry off you. I’ve tried Quickbooks—it’s a bit more complicated and technical, and takes more time to set up.” Make bookkeeping and tax time easy with solutions that are affordable, small biz friendly, and—dare we say—fun to use.

How to file self-employment taxes in Canada — 2025 guide

We’ve also provided some simplified wording to summarize some of the key points, but please remember that the Agreement itself is what is legally binding. We encourage you to read and familiarize yourself with the updated agreement, which takes effect on January 25, 2024. We’re making some updates to this agreement.

If the Payment Date falls on a weekend or U.S. federal holiday, it will be processed the next business day. You are solely responsible for any fees charged by your bank or any other third party in connection with your receipt of the returned Payment. Once you initiate a Payment, we cannot assure you that we can stop or cancel the Payment. You must have sufficient funds available through the use of the card to cover the amount of the Card Payment. If the Payer provides incorrect information about a Payee, we are not responsible for the recovery of any funds sent to an incorrect Payee.

Hands-off bookkeeping and financial guidance with in-house experts

With Wave, your invoices and payments flow into your accounting records, helping you stay organized and prepared for tax time. Wave lets small business owners like you create beautiful invoices, accept online payments, and make accounting easy—all in one place. Wave lets small business owners like you create beautiful invoices, accept online payments,and make accounting easy—all in one place. Stripe If your processing of credit card payments is powered by Stripe, you’re bound by their Terms of Service.

Do you provide customer support?

Except as otherwise provided in the Arbitration Provision set out herein, this Agreement shall in all respects be governed by and interpreted, construed, and enforced in accordance with the Laws of the state the three types of accounting and why they matter to your business in which you accepted this Agreement.‍ Wave does not have control of, or liability for, goods or services that are paid for with the Payment Service. Communications are considered received by you within twenty-four (24) hours of the time they are emailed to you or posted to our website. You agree that any such electronic Communications have the same meaning and effect as if we had provided you with paper Communications. You agree that you will not hold us liable for any damages resulting from a Payee’s decision not to accept a payment.

That is a massive time saver and helps me get paid faster! Except as otherwise provided in the Arbitration Provision, all provisions of this Agreement, notwithstanding the manner in which they have been grouped together or linked, are severable from each other. For the purposes of this section, a written instrument shall expressly exclude electronic communications such as email and electronic notices including facsimiles.‍

For Payers, on the Payment Date, we will charge the Card Payment or for Bank Payments, debit the designated bank account for the payment amount. You must provide verifiable bank account information and there must be sufficient available funds to cover the amount of the Bank Payment. celebrations To make a Bank Payment the Payer must provide us with information regarding a valid U.S. bank account that is owned by the Payer or that the Payer has the authority to manage and authorize us to debit that account to make the Bank Payment. Wave’s smart dashboard organizes your income, expenses, payments, and invoices.

Discover which plan works for you.

1Payouts are processed in 1-2 business days for credit card payments and 1-7 business days for bank payments. Accept credit cards, bank payments, and Apple Pay for as little as 1%2 per transaction.Your customers can use the secure “Pay now” button on your invoices to instantly pay you. You will provide accurate and complete information regarding your Payments, and agree that all information you provide, including information about a debit or credit card or bank account, is complete, accurate and true. If you wish to make payments directly from a bank account, you will be asked to provide your account credentials (including username or account number and password). We will return any cancelled or denied payment to your bank account or your card, as applicable.

All payments are subject to a risk review and periodic credit risk assessments are done on business owners because we need to cover our butts (and yours). Deposit times may vary due to processing cutoff times, third party delays, or risk reviews.2Rates are 1% for bank payments (minimum fee of $1). The average process time after the Payee accepts a Payment is usually two (2) to three (3) business days, but may take longer due to card or banking system delays or other matters outside of our control.

Less mess, less-stress small business bookkeeping

We will never sell this information to third parties, and will only retain this information for the period necessary to fulfill the purposes outlined in this policy, unless a net cash per share meaning longer retention period is required by law or regulation. Wave Payments is an invoicing platform for businesses.

ACH Debit Agreement

• The subscription fee for the Pro Plan is per business, not per owner.
• Your invoicing and payment information are connected to Wave’s accounting feature, helping you stay organized.
• In general, our service providers may maintain and process your information in the U.S. or other jurisdictions.
• You must have sufficient funds available through the use of the card to cover the amount of the Card Payment.
• We’ve also provided some simplified wording to summarize some of the key points, but please remember that the Agreement itself is what is legally binding.

We may delay, cancel or reverse a payment if we believe or suspect that a transaction is invalid, fraudulent or violates applicable law, the terms of this Agreement, your authorization to initiate a Payment, or our policies. You give Wave the right to resubmit any returned or invalid payments you have authorized and to re-originate the Payment. When you authorize a Card Payment, you authorize us to initiate a payment to the designated Payee through the card. The card must be in the name of the Payer or the person making the payment on behalf of the Payer.

Just starting your business or looking for the basics? FCAC Complaint Policy – If you have a complaint with respect to the Code of Conduct for the Payment Card Industry in Canada, please review our policy. Developer API Including but not limited to developer.waveapps.com, api.waveapps.com. Wave Payments Customers If you’re paying an invoice through Wave’s platform, these terms apply. Wave Advisors If you use our Wave Advisors professional services, these terms apply. This information will only be used for the purposes described in this policy.

ways to get paid faster with automated invoicing

Your invoicing and payment information are connected to Wave’s accounting feature, helping you stay organized. You don’t need to be an accountant to keep your books organized, accurate, and ready for tax time. We provide different levels of support, depending on the plan and/or the add-on features you choose. Any connections between you, your bank accounts, and Wave are protected by 256-bit SSL encryption.