Invoxa compared
Invoxa vs Wave
Wave suits a business in the US or Canada that wants free invoicing and bookkeeping in one account and is fine with paying card fees, or $19 a month for Pro, for the extras. Invoxa suits freelancers and small businesses in any country that want a simple invoicing app for the web and iPhone, with unlimited invoices, estimates and purchase orders for $5.99 a month, and no bookkeeping.
Disclosure: Invoxa is our product. We describe it as plainly as Wave, including its limits. Every Wave price, limit and fee below was read on waveapps.com on October 6, 2026; Invoxa prices come from our pricing page. US list prices in USD, before tax. Vendors change prices, so check the linked pages before you decide.
Invoxa vs Wave at a glance
| Feature | Invoxa | Wave |
|---|---|---|
| Price | One plan, Invoxa Pro: $5.99/month or $59.99/year ($4.99/month). | Starter: $0. Pro: $19/month or $190/year per business (CA$25/month or CA$250/year in Canada). |
| Free plan or trial | 3-day free trial of Pro, no credit card. No free plan after the trial. The invoice generator can be filled in without an account. | Starter is free for as long as you use it. |
| Invoices and clients | Unlimited invoices, estimates, purchase orders, clients and emails. | Unlimited estimates, invoices, bills and bookkeeping records on both plans. |
| Document types | Invoices, estimates (client approval and signature) and purchase orders. Estimates convert to invoices. Deposits, partial payments and attachments on invoices. | Invoices, estimates and bills. Deposits through estimates need Wave online payments on Starter; attachments need Pro. Purchase orders are not listed on the pricing page. |
| Sending | Email from Invoxa with a link the client opens without an account; PDF download and print. Unlimited emails. | Starter: share invoices as links or PDFs. Sending automatically through Wave needs online payments or Pro. |
| Recurring invoices | Weekly, every 2 or 3 weeks, or monthly. Invoxa creates the next invoice as a draft for you to check and send. | Recurring invoices with automatic sending and card charging need the Pro plan or Wave online payments. |
| Online payments and card fee | Card, Apple Pay and Google Pay through your own Stripe account. Invoxa adds no fee; Stripe charges its own rate (2.9% + 30¢ per domestic US card, per Stripe pricing). | Wave online payments (optional): 2.9% + 60¢ per card on Starter; 2.9% + $0 for the first 10 transactions a month on Pro; Amex 3.4%; bank payments (ACH/EFT) 1% with a $1 minimum. |
| Reminders and tracking | No automatic reminders. The invoice status shows when the client opened it, paid or paid part of it, with a notification to you. | Automated late-payment reminders 3, 7 and 14 days after the due date with Pro or online payments. Notifications when an invoice is viewed or paid. |
| Platforms | Web app and iPhone app. An Android app is in development. | Web app, iOS and Android apps. |
| Countries | Any country. Card payments need a Stripe account in a country Stripe supports. | Businesses in the US and Canada only. |
| Branding | Your logo and brand color on 8 document templates. No Invoxa branding on your documents. | Logo and brand colors on both plans; removing the Wave branding from footers needs Pro. |
| Users | One user per account. | Extra users (admin, editor, viewer) need Pro. |
| Language | English interface. Every label on a document can be renamed, so you can issue invoices in another language. | English (App Store listing). |
| Accounting and reports | No bookkeeping: Invoxa is invoicing software. Reports on sales, payments, taxes, profit and loss and customer aging, with CSV export. | Bookkeeping records on both plans. Bank connections, auto-categorization, receipt scanning and reports such as profit and loss need Pro or paid add-ons. |
Which one should you choose?
Choose Wave if …
- You are in the US or Canada and want invoicing and bookkeeping in one free account.
- You want bank transactions imported and categorized for you (Pro).
- You need an Android app, or a second person in the account.
- You send few invoices and would rather pay card fees than a subscription.
Choose Invoxa if …
- You are outside the US and Canada, or you bill clients in several currencies.
- You want unlimited invoices, estimates and purchase orders without accounting screens.
- You want card payments to land in your own Stripe account, with nothing added on top.
- You work from an iPhone and a browser and want the same documents on both.
What Wave is
Wave is accounting software for small businesses in the US and Canada, with invoicing built in. The free Starter plan covers unlimited invoices, estimates, bills and bookkeeping records, a cash-flow dashboard and the mobile app. Pro ($19 a month or $190 a year per business) adds bank connections through Plaid, automatic categorization of transactions, receipt capture, automated late-payment reminders, attachments, reusable message templates, extra users and the removal of Wave branding from invoice footers. Online payments are an optional add-on on both plans: cards cost 2.9% + 60¢ on Starter and 2.9% + $0 for the first ten transactions a month on Pro, bank payments 1% with a $1 minimum. Payroll and bookkeeping services are paid extras.
What Invoxa is
Invoxa is invoicing software: invoices, estimates and purchase orders on the web and in the iPhone app, with one plan. Invoxa Pro costs $5.99 a month or $59.99 a year ($4.99 a month) and includes unlimited invoices, estimates, purchase orders, clients and emails. New accounts get a 3-day free trial without a credit card. Clients open documents from a link without an account, approve and sign estimates, and pay by card, Apple Pay or Google Pay through your own Stripe account. There is no bookkeeping, bank feed or payroll.
Pricing in detail
The real cost of Wave depends on how you get paid. If your clients pay by card through Wave, the Starter plan costs you 2.9% + 60¢ per payment: on a $200 invoice that is $6.40, and on twenty such invoices a month about $128. Pro removes the 60¢ for the first ten card payments a month and costs $19 a month on top. If your clients pay by bank transfer or check outside Wave, Starter costs nothing, but then invoices go out as links or PDFs rather than through Wave's own sending.
Invoxa costs the same whatever your volume: $5.99 a month or $59.99 a year. Card payments go through your Stripe account at Stripe's own rate (2.9% + 30¢ for domestic US cards), and Invoxa adds nothing. For a business that sends many invoices and takes card payments, the subscription is the only fixed cost; for a business that sends two invoices a month and gets paid by check, Wave's free plan is hard to beat.
Where Wave is stronger
- Bookkeeping. Income, expenses and bank transactions live next to the invoices, and Pro imports and categorizes transactions for you. Invoxa has none of this.
- Free plan. Unlimited invoices and estimates for $0, as long as you are in the US or Canada.
- Android. Wave has iOS and Android apps; Invoxa's Android app is still in development.
- Automated reminders. With Pro or online payments, Wave emails late-payment reminders 3, 7 and 14 days after the due date. Invoxa shows you the invoice status but does not send reminders by itself.
- Bank payments. Wave takes ACH and EFT at 1% with a $1 minimum.
Where Invoxa is stronger
- Any country. Invoxa works wherever you are and bills in 119 currencies; Wave is limited to businesses in the US and Canada.
- Purchase orders and estimate signatures. Invoxa makes invoices, estimates and purchase orders from the same form; estimates can be approved and signed by the client and turned into invoices.
- No platform fee on payments. Your Stripe account receives the money at Stripe's rate, with nothing added. On a $100 card payment that is $3.20 at Stripe versus $3.50 on Wave Starter.
- No branding, attachments and unlimited emails on the one plan. Wave needs Pro to remove its footer branding and to attach files to invoices.
- Price. $5.99 a month, or $4.99 a month billed yearly, against $19 a month for Wave Pro.
How we checked
We read the Wave pricing, payments and invoicing pages and Wave's help center article on supported countries on 6 October 2026, and took the Invoxa facts from our pricing and features pages and the app itself. Prices are US list prices in USD before tax. Wave was running an introductory Pro discount at the time; we list the regular price.
Pros and cons
Invoxa
Pros
- One price with everything included; unlimited documents, clients and emails.
- Estimates with client approval and signature, purchase orders, deposits, partial payments, attachments.
- Payments go to your own Stripe account; Invoxa takes nothing on top.
- 119 currencies, 8 templates, your own numbering prefixes.
Cons
- No free plan after the 3-day trial.
- No bookkeeping, bank feeds, expenses or time tracking.
- No automatic payment reminders.
- No Android app yet.
Wave
Pros
- Free Starter plan with unlimited invoices and bookkeeping records.
- iOS and Android apps.
- Bank payments at 1% and automated reminders, with online payments or Pro.
- Bank feeds, receipt capture and payroll (paid) in the same account.
Cons
- Only for businesses in the US and Canada.
- On Starter, sending through Wave, deposits and reminders need Wave online payments.
- The 60¢ fixed part of the Starter card fee weighs on small invoices.
- Removing Wave branding, attachments and extra users need Pro ($19 a month).
Frequently asked questions
Is Wave really free?
Wave's Starter plan is free and includes unlimited invoices, estimates and bookkeeping records. You pay when you use Wave's online payments (2.9% + 60¢ per card payment on Starter) or upgrade to Pro ($19 a month or $190 a year) for bank connections, automated reminders, attachments, extra users and the removal of Wave branding.
Is Invoxa free?
You can fill in an invoice in the Invoxa invoice generator without an account. A new account gets a 3-day free trial of Invoxa Pro with no credit card; after that Pro costs $5.99 a month or $59.99 a year. There is no free plan.
Can I use Wave outside the US and Canada?
No. Wave is available only to businesses in the US and Canada; its help center says users elsewhere cannot send invoices through Wave. Invoxa works in any country, and card payments need a Stripe account in a country Stripe supports.
Which has lower card fees, Wave or Invoxa?
Invoxa charges nothing on payments: your client pays on Stripe's checkout page and Stripe's standard fee applies (2.9% + 30¢ per domestic US card). Wave's Starter plan charges 2.9% + 60¢ per card payment; Pro drops the fixed part to $0 for the first 10 transactions each month. On a $100 card payment that is $3.20 through Stripe with Invoxa and $3.50 on Wave Starter; the difference grows on small invoices and disappears on Pro's first ten payments a month.
Does Invoxa do bookkeeping like Wave?
No. Invoxa creates and sends invoices, estimates and purchase orders, tracks payments and gives reports on sales, payments, taxes, profit and loss and customer aging. It does not connect to your bank or categorize expenses. If you need books, use Wave or an accounting tool alongside Invoxa.
Sources
Checked on October 6, 2026. We link the official pages so you can verify every number.
- Wave pricing (waveapps.com)
- Wave online payments and fees (waveapps.com)
- Wave invoicing features (waveapps.com)
- Wave help center: which countries Wave supports (support.waveapps.com)
- Invoxa pricing (invoxa.com)
- Stripe pricing (card fees) (stripe.com)
Comparing more tools? Read our guide to the best invoice software for small business, and see the full list of Invoxa features.