Wave Financial

Wave Financial (often seen on statements as “waveapps” due to its waveapps.com domain) offers cloud-based accounting, invoicing, payments, and payroll software targeted at freelancers, contractors, and small businesses. Its core accounting and invoicing tools are typically free, while it generates revenue through services like online credit card and bank payment processing, payroll, and professional bookkeeping. Users can create and send invoices, track expenses, scan receipts, and manage their books from a web browser or mobile app.

A charge from “waveapps” or “Wave Financial” usually appears when you pay for one of Wave’s paid services, such as transaction fees for accepting online payments via Wave, monthly payroll fees, or optional add-on services like bookkeeping or tax support. If you are a business owner using Wave, you might see regular charges related to payroll subscriptions or per-transaction payment processing fees. If you are a customer of a business that uses Wave to invoice you, the payment may still show on your statement as Wave or waveapps because Wave is the payment processor for that invoice.

To verify a Wave charge, log into your Wave account (if you are a business user) and check the Billing, Payments, or Settings sections for invoices, payroll runs, or subscription charges that match the date and amount. If you are an end-customer who paid an invoice, refer to the original email invoice or receipt sent by the business, which will note Wave as the payment processor. For unresolved questions, you can visit waveapps.com and use their help center and in-app support to contact customer service, providing the last four digits of the card, the charge amount, and the transaction date to help them locate the payment.