Zippato vs Wave
Wave is free because it's an accounting suite that happens to do invoicing. We're the opposite: invoicing that doesn't pretend to be accounting.
Wave includes double-entry accounting, bank connections, and features most freelancers will never touch. Zippato does invoicing. That's it.
Have a question? You'll talk to an AI chatbot. Zippato offers email support from a real person, even on free.
Wave charges 2.9% + $0.60 per card transaction. We don't process payments—you keep using whatever works for you.
Wave only works in North America. We're US-focused too (for now), but we're honest about it.
| Feature | Wave | Zippato |
|---|---|---|
| Focus | Full accounting | Just invoicing |
| Complexity | Medium | Low |
| Human support (free) | No (AI chatbot) | Yes (email) |
| Payment fees | 2.9% + $0.60 | N/A (we don't process) |
| Paid pricing | $16/month | $8/month |
| Bank connections | Included | Not needed |
Your invoice shows your business name, not ours. Even on the free plan.
Questions? Email a real person. No chatbots, no ticket queues.
Unlimited invoices, unlimited clients, recurring billing. No hidden fees.
We don't try to be accounting software. We do invoicing well.
We're not going to nickel-and-dime you with usage tiers.
$0/forever
Good for: Side hustles, testing the waters, people who hate commitment.
Start free$8/month
Good for: Anyone who values their time at more than $8/month.
Go ProWave is great if you want free accounting software. But if you just want to send invoices and talk to a human when something breaks, Zippato is the simpler choice.