PaidKind vs Wave
Wave offers free invoicing and bookkeeping with paid card payments, and its prices are listed in US and Canadian dollars. PaidKind is a low-cost monthly plan focused on invoicing and polite reminders before, on and after the due date, with UK and US tax built in and any currency.
Last checked
How do PaidKind and Wave compare?
Best for
- PaidKind
- Freelancers and small businesses in the UK, US and elsewhere who want simple invoicing and chasing
- Wave
- Small businesses that want free invoicing plus bookkeeping and take card payments
Price
- PaidKind
- $2.99/month (£2.99 for UK businesses), one plan with every feature
- Wave
- Starter $0; Pro $19/month (as of Nov 2026)
Invoices
- PaidKind
- Up to 150 a month
- Wave
- Unlimited on Starter
Payment reminders
- PaidKind
- Yes: before, on and after the due date; approve each or send automatically
- Wave
- Automatic payment reminders, for example 3, 7 and 14 days after the due date; check Wave for which plans include them
Card payments
- PaidKind
- Customers pay you directly (no card payments through PaidKind yet)
- Wave
- Yes, from 2.9% + $0.60 per card payment on Starter
Bookkeeping
- PaidKind
- No
- Wave
- Yes
Estimates
- PaidKind
- No
- Wave
- Yes, unlimited on Starter
| Topic | PaidKind | Wave |
|---|---|---|
| Best for | Freelancers and small businesses in the UK, US and elsewhere who want simple invoicing and chasing | Small businesses that want free invoicing plus bookkeeping and take card payments |
| Price | $2.99/month (£2.99 for UK businesses), one plan with every feature | Starter $0; Pro $19/month (as of Nov 2026) |
| Invoices | Up to 150 a month | Unlimited on Starter |
| Payment reminders | Yes: before, on and after the due date; approve each or send automatically | Automatic payment reminders, for example 3, 7 and 14 days after the due date; check Wave for which plans include them |
| Card payments | Customers pay you directly (no card payments through PaidKind yet) | Yes, from 2.9% + $0.60 per card payment on Starter |
| Bookkeeping | No | Yes |
| Estimates | No | Yes, unlimited on Starter |
When is Wave the better choice?
- You want to pay nothing: the Starter plan is $0 with unlimited invoices.
- You want bookkeeping and invoicing in one place.
- You want customers to pay by card from the invoice, and accept a fee per payment.
- You send estimates before you invoice.
When is PaidKind the better choice?
- You want reminders included in one plan, with the choice to approve each one before it goes.
- You are in the UK: PaidKind is priced in pounds and has UK invoice and tax details built in.
- Your customers pay by bank transfer and you do not want payment fees.
- You want to share invoices by WhatsApp or a link as well as email.
See also: PaidKind pricing · How PaidKind reminders work · Payment reminder email templates
Questions
Wave has a free plan. Why pay for PaidKind?
Wave’s free plan suits businesses that also want bookkeeping and take card payments, which carry per-payment fees. PaidKind is for people who mainly want to send invoices and chase them politely: reminders before, on and after the due date, WhatsApp sharing, and UK and US invoice rules built in.
Can my customers pay by card through PaidKind?
Not yet. With PaidKind your customers pay you directly, for example by bank transfer, using the payment details printed on your invoice, and you mark the invoice paid, in full or in part. That also means PaidKind takes no fee from your payments.
Which one should I choose?
Pick the tool that matches the job you need done most. If you mainly send invoices and spend too long chasing payments, PaidKind keeps that simple. If you need more, such as accounting, card payments or estimates, compare the other tool’s current plans on its own website before deciding.
Sources
Other products’ prices and features are as listed on their own websites when we last checked and can change. Check their sites for current details.