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Wave vs Online Check Writer Comparison (2026)

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Wave

Online Check Writer

Overview

With Wave's comprehensive, free and unlimited invoicing tools, you can send invoices, keep track of who owes what, send reminders and more.

OnlineCheckWriter.com is check printing software and a B2B payment platform with 30+ business payment tools. Pay and get paid with checks, eChecks, ACH, wires, international payments, and credit cards. Connects with QuickBooks, Xero, and more.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

Pricing

Starting from

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

Per month

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.4

1.7K

451

107

Value for money

Ease of use

Features

Customer support

78%

would recommend this app

4.5

255

170

Value for money

Ease of use

Features

Customer support

71%

would recommend this app

Pros

“It helps save time with daily bookkeeping tasks, invoicing, and tracking payments. While it may not have all the advanced features of bigger platforms, it works well for basic business accounting needs.”

Sai T.

Construction Project Manager

“The starter edition is free which is awesome, you are able to process payroll, invoice clients and perform monthly accounting at no cost. ”

Tim O.

Partner

“I am able to track my spending with categories, as well, and that makes it easier to do my taxes at the end of each year.”

Amber M.

Owner

Pros

“I loved the ability to print checks, have virtual cards issued and even have checks mailed.”

Joshua C.

Owner

“I can link my Payoneer account and get funds transferred directly into my local bank.”

Zakir Z.

Owner

“The interface is user-friendly, and the payment processing and money transfer options save me a lot of time.”

Jun W.

CEO

Cons

“My customer paid by ACH/bank payment through Wave, the funds were withdrawn from the customer, and then Wave refused to release the payment to my business account because they claimed they could not verify my business.”

emir k.

Principal

“I tried to recommend my friend to use Wave but they were unable to sign-up as my friend works in healthcare, and there were some data storage restriction due to HIPAA and Wave's data policies, which prevented the registration to continue.”

Salina T.

Owner

“Wave did not first request specific documents, did not explain exactly what verification failed, and did not give me a meaningful opportunity to resolve the issue.”

emir k.

Principal

Cons

“don't like how I cant use ACH as my first method without being verified.”

marisela m.

senior business executive

“I don’t use the cloud banking services”

Joshua C.

Owner

“I hope they will fix our issues and compensate us for the loss and damages caused by their software.”

Mike C.

CEO