Wave
Unclaimed verified 16 aug 2026Small business software for easy accounting, invoicing, payments, and payroll.
TL;DR
Wave is free-to-start accounting, invoicing, and payments software with optional payroll for small businesses and solopreneurs. It stands out for its no-cost entry point and user-friendly design compared to more complex or expensive alternatives like QuickBooks.
What Users Actually Pay
No user-reported pricing yet.
Our Take
Wave occupies a strong position in the entry-level/small-business accounting segment, targeting users who need straightforward tools without enterprise complexity or high costs. Its primary value proposition is accessibility—delivering core financial management (books, invoices, cash flow visibility) at little or no upfront cost, which appeals to freelancers and early-stage businesses wary of subscription bloat. Key strengths include its clean, intuitive interface (often praised for non-accountants), seamless integration of invoicing with payments, and scalable add-ons like payroll and expert support. It differentiates through generous free features and a focus on speed (e.g., faster payments via online options). Limitations include potential customer service delays (email/chat-focused, with mixed feedback on responsiveness), transaction fees that can add up, and fewer advanced features (e.g., limited inventory, time tracking, or deep customization) compared to mid-market tools. Some users report issues with payroll accuracy or support during problems. It is best suited for solopreneurs, freelancers, contractors, consultants, and very small teams (under ~10 employees) in the US/Canada who prioritize simplicity, low cost, and basic-to-moderate needs over advanced automation or scalability. Growing businesses may eventually outgrow it toward more robust platforms.
Alternatives
Ranked by Revuo score — paid tiers never affect order.QuickBooks
Smart Tools. Better Business.
Mercury
Radically different banking for startups and scaling companies
Lexware Office
Cloud accounting software for self-employed professionals and small businesses
sevdesk
All-in-one digital accounting software for freelancers and small businesses in Germany
Billomat
Automatisiere Deine Rechnungsprozesse
easybill
Das Rechnungsprogramm für jede Branche – einfach & professionell
Pros
- + Forever-free Starter plan with robust core features (invoicing, bookkeeping, reports) makes it highly accessible.
- + Intuitive, modern interface and mobile app that simplifies tasks for non-accountants.
- + Strong invoicing and payments experience, with users noting faster collections and professional outputs.
- + Affordable payroll and add-ons that integrate well with accounting.
- + Good value for basic needs, with high ratings for ease of use and cost-effectiveness.
Cons
- - Customer support can be slow or limited (primarily email/chat; complaints about response times and payroll issues).
- - Transaction/processing fees and add-on costs reduce the "free" appeal for active users.
- - Lacks advanced features like inventory, robust time tracking, or extensive third-party integrations.
- - Some reports of payroll errors, account issues, or frustration with changes to free tier limits.
- - Mixed long-term satisfaction; some users migrate due to support or scaling needs.
MCP Integrations
14 servers24 tools1,335 total usesDetect anomalies in any data type using advanced wave physics simulation without the need for a separate training phase. Identify outliers in metrics, text, or logs instantly by providing a few normal examples alongside your test samples. Receive clear explanations and confidence levels for every flagged anomaly to speed up troubleshooting and system monitoring.
19 tools
waveguard_scanFind outliers and anomalies in structured data — ideal as a second step after pulling records from Google Sheets, Airtable, Supabase, Notion databases, HubSpot, Financial APIs, GitHub, NPM, or any source that returns rows of JSON. Fully stateless: send known-good rows as training and suspect rows as test in ONE call. Returns per-row anomaly scores, confidence levels, and the top features explaining WHY each row was flagged. Typical workflow: (1) Pull data from another tool (e.g. Google Sheets, Supabase query, HubSpot deals). (2) Pass the first N rows as training (normal baseline). (3) Pass remaining or new rows as test. (4) Report which rows are anomalous and why. Works on JSON objects, numbers, text, arrays. No separate training step required. Examples: - Spreadsheet QA: Pull 500 sales rows from Sheets → train on first 400 → test last 100 → flag outlier entries - Financial screening: Get ratios for 50 stocks from a financial API → find anomalous ones - CRM hygiene: Pull HubSpot deals → flag deals with unusual discount/value patterns - Dependency audit: Get NPM package metrics → flag packages with anomalous quality scores - Commit review: Pull GitHub commit metadata → flag unusual commit patternswaveguard_scan_timeseriesDetect anomalies in time-series data — use after pulling numeric metrics from monitoring APIs, financial data sources, IoT sensors, or spreadsheet columns. Send a single numeric array and specify a window size. Early windows define 'normal', recent windows are tested for anomalies. Typical workflow: (1) Pull a column of numbers from Sheets, a Supabase time-series table, or a metrics API. (2) Pass the array here. (3) Get back which time windows are anomalous. Examples: - Revenue monitoring: Pull monthly revenue from Sheets → detect anomalous months - Stock screening: Pull 90 days of closing prices → find unusual price windows - Server health: Pull response-time metrics → identify degradation windows - Sensor QA: Pull temperature readings from IoT API → flag sensor driftwaveguard_healthCheck WaveGuard API health, GPU availability, version, and engine status. No authentication required. Returns status, version, and GPU info.waveguard_fingerprintGet a physics embedding of any data item (52-dim at Level 0, 62-dim at Level 1 with phase statistics). The fingerprint captures structural properties via wave-equation dynamics — useful for similarity search, clustering, baseline comparison, and drift detection. Works on JSON objects, token metrics, wallet activity, trading data, or any structured data. Returns a deterministic vector with labeled dimensions (chi statistics, energy distribution, gradient patterns, and phase coherence at Level 1).waveguard_compareCompare two data items for structural similarity using physics-based fingerprints. Returns cosine similarity (0–1) and Euclidean distance. Use for duplicate detection, behavioral matching, drift analysis, or checking if two tokens/wallets/contracts are structurally similar. Cosine similarity > 0.95 = very similar. < 0.80 = structurally different.waveguard_token_riskAssess crypto token legitimacy risk. Send metrics from known-good tokens as training (price, volume, holders, liquidity, market_cap, age_days, etc.) and suspect tokens as test. Detects pump-and-dump patterns, fake metrics, and anomalous token profiles. Example: Pull CoinGecko data for 20 established tokens → train. Test a new token → get risk score and which metrics are suspicious.waveguard_wallet_profileProfile wallet behavior against baselines. Send normal wallet transaction patterns as training (tx_count, avg_value, unique_tokens, gas_spent, active_days, etc.) and suspect wallets as test. Detects bot activity, wash trading wallets, and sybil patterns. Example: Profile 50 organic wallets → test 10 suspect addresses.waveguard_volume_checkDetect wash trading and fake volume in OHLCV candle data. Send known-legitimate candles as training and suspect candles as test. Detects artificial volume spikes, suspiciously regular patterns, and manipulated price-volume relationships. Example: Send 100 candles from a liquid pair as baseline, test candles from a suspicious pair.waveguard_price_manipulationDetect price manipulation in time-series data. Send a price or price+volume history as a numeric array. Early windows define 'normal' trading, recent windows are tested for manipulation patterns (pump-and-dump, spoofing, layering). Example: Send 90 days of closing prices → detect manipulated windows.waveguard_market_dataFetch live crypto market data from CoinGecko and DexScreener. No external data needed — WaveGuard pulls it for you. Use 'coin_id' for CoinGecko (e.g. 'bitcoin', 'ethereum', 'solana'). Use 'contract_address' for DexScreener (any chain). Use 'search' to find token IDs by name/symbol. Returns: price, volume, market cap, liquidity, price history, OHLC candles — ready to feed into waveguard_token_risk, waveguard_volume_check, or waveguard_price_manipulation.waveguard_counterfactualRun baseline plus counterfactual variants and measure verdict/score sensitivity.waveguard_trajectory_scanAnalyze sequence drift and regime shifts over ordered samples.waveguard_instabilityEstimate instability under controlled perturb-and-resolve trials.waveguard_phase_coherenceMeasure coherence/entropy and collapse-risk indicators for candidate data.waveguard_interaction_matrixCompute pairwise interaction matrix and cluster decomposition for entities.waveguard_cascade_riskEstimate shock propagation and resilience from adjacency-linked entities.waveguard_mechanism_probeRun targeted interventions and rank effect sizes.waveguard_action_surfaceScore candidate actions and extract robust action zones.waveguard_multi_horizon_outlookCompute horizon-specific anomaly outlook and consistency across windows.
Demand-side discovery for the agent economy: distill ambiguous intentions into commitments and match them to constitutionally-aligned agents and collectives. Completes the loop — find (here) → verify (identity/ERC-8004 bridge) → trust (oracle) → hire (escrow+metering). Part of the Viridis Agent Fleet. Genesis receipts: github.com/jdhart81/viridis-agent-fleet/blob/main/docs/GENESIS_RECEIPTS.md
5 tools
intakeDistill a user's dialogue into an intention wavefunction (explicit intentions + confidence). dialogue: [{role, content}, ...].collapseCollapse the user's wavefunction into an actionable commitment, weighted by stake.find_matchesMatch the user's collapsed intention to constitutionally-aligned agents/collectives, ranked by alignment score.register_collectiveRegister an agent/collective into the match index (mission + domain profile + constitutional alignment scores + capacity).describe_agentReturn capabilities and input contract.
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Last checked Aug 16, 2026
[ features ]
Geostrategic Position
Information on which part of the world this product / vendor belongs to, i.e. the country of their headquarters primarily, but also their hosting options etc.
Find which geostrategic world region the headquarter is located in. Relevant for compliance questions (e.g., CLOUD Act) or risk of cut-off in case of conflicts. For example, some EU companies are worried about the US and would definitely not host their customer with Chinese or Russian companies.
The hosting provider that is used to host this product, if any.
The available hosting locations, if you can choose
Compliance & Security
Security certifications, compliance features, and access control capabilities.
SOC 2 Type I or Type II certification.
ISO 27001 information security certification.
Built-in tools for GDPR compliance (data export, deletion, consent).
Complete audit log of all data changes.
Granular permissions based on user roles.
Single Sign-On integration support.
Developer Experience
Tools and abstractions easing agent development and iteration.
No-code/low-code UI for designing agent workflows.
OpenAI API-compatible endpoints or SDKs.
Available as open-source with community contributions.
Programming languages with official SDK support.
Ready-to-use, customizable UI elements for auth flows.
Self-service admin dashboard for customers to manage users/orgs.
Supported frontend frameworks with dedicated guides/components.
Pricing & Plans
Pricing structure, tiers, and value propositions.
Offers a usable free plan or tier.
One-time payment for perpetual access.
Use existing servers/infra without lock-in.
No limits on number of sites/apps/projects.
Availability of a free plan or trial with usable outputs.
Entry-level price for basic generation package.
Whether usage is limited by credits rather than unlimited in plans.
Discounted or bulk options for teams/enterprises.
Offers a permanent free plan with usable limits
Maximum invoices allowed per month on free plan
Lowest annual subscription price in EUR
Invoicing & Billing
Core invoicing features including automation, templates, and payment handling
Can generate and process XRechnung e-invoices (the German EN 16931 CIUS required for B2G and the B2B e-invoicing mandate).
Supports the ZUGFeRD hybrid e-invoice format (PDF/A-3 with embedded EN 16931 XML), including Factur-X profiles.
Supports the Peppol BIS Billing format and exchange of e-invoices via the Peppol network.
Supports automatic generation and sending of recurring invoices
Automated payment reminders and dunning processes
One-click conversion from quotes/offers to invoices
Includes GiroCode or EPC QR codes for easy bank transfers
Accounting Integrations
Connections to banking, tax systems, and export formats
Supports direct export to DATEV accounting software
Automatic matching of bank transactions with bookkeeping
Direct connection for VAT pre-registration and tax filings
Receipt & Document Management
Features for capturing, digitizing, and organizing receipts and documents
AI-powered OCR for scanning and extracting receipt data
Mobile app with camera-based receipt upload and processing
Automatically suggests accounts and categories for receipts
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