Wave vs Spendesk

QuickBooks Enterprise

QuickBooks Online

FreshBooks

Qonto

Pleo

Mooncard

Compare Wave and Spendesk based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

FreshBooks is accounting software that helps small business perform accounting tasks, conduct invoicing, manage expenses, and more.

QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

Wave is an integrated solution designed for small businesses. With our automatic bank connections, information flows into Wave, without manual entry. Users can collaborate with accountants or bookkeepers in real-time.

Access Controls/Permissions

Accounting

Accounting Integration

Accounts Payable

Accounts Receivable

ACH Payment Processing

Activity Dashboard

Activity Tracking

Alerts/Notifications

Automatic Billing

Bank Reconciliation

Billing & Invoicing

Budgeting/Forecasting

Cash Flow Management

Cash Management

Chart of Accounts

Collaboration Tools

Commission Management

CPA Firms

Credit Card Processing

Currency Conversion

Customer Statements

Customizable Branding

Customizable Templates

Dashboard

Data Import/Export

Data Security

Direct Deposit

Electronic Payments

Email Reminders

Encryption

Estimating

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

Fixed Asset Management

For Legal Professionals

For Medical Purposes

For Real Estate

For Religious Organizations

For Small Businesses

Fund Accounting

General Ledger

Income & Balance Sheet

Inventory Management

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

Mobile App

Multi-Currency

Online Invoicing

Partial Payments

Payment Reconciliation

Payment Tracking

Payroll Management

Payroll Reporting

PCI Compliance

Profit/Loss Statement

Project Accounting

Projections

Purchase Order Management

Real-Time Notifications

Real-Time Updates

Receipt Management

Receivables Ledger

Recurring Invoicing

Recurring/Subscription Billing

Reminders

Remote Access/Control

Reporting & Statistics

Reporting/Analytics

Revenue Recognition

Sales Tax Management

Spend Management

SSL Security

Status Tracking

Tax Compliance

Tax Filing

Tax Management

Third-Party Integrations

Time & Expense Tracking

Transaction History

Transaction Management

Wave

Android

Web-based

iPhone

Online Content Creator

The interface is user-friendly and has a comprehensive set of features that can elevate any small business to great success.

Research Manager

I am not able to write off a partly paid bill as bad debt if all attempts to reclaim the payment from my clients fail. Sometimes, people pay about 70% and fail to pay for the rest.

Teacher

It's a great software and works well for my basic use case as a solopreneur. The payments feature is also nice and the reporting is great.

Digital Artist 

I thought it was going to be great when I saw that it functioned with Etsy. And I loved that it is free.

Photographer

This is a user friendly software that I have been using for years. It makes my invoicing very easy and has been great in tracking my finances.

It can be glitchy at times. I had problems with my transactions imported from my connected bank account, and then when I tried to remove the account and re-connect it, I received error messages.

Digital Marketer

I am really happy having moved over from Zoho Books and before than from Xero. I love that you can toggle between personal and business sides easily.

Technical Support Specialist

I love that this tool is free and has so many great features. It makes my invoices look professional and makes billing a breeze.

C. E. O

Wave accounting software is fully featured most advanced and easy to use accounting software available with all the training and tutorials. And the best thing is its totally free.

Principal Consultant

I like its ease of use, intuitive operation and its ability to just work the way you woudl expect it to.

CEO/President

Then, January of 2021, Paypal import was abandoned. Without those 2 features, the software is essentially useless since it creates extra work each month.

Coach

Simple and easy to use for a non-tech person, clear layout, easy navigation, reliable functioning, helpful customer support, syncs well with Stripe for receiving payments.

Marketing and Web Services Consultant

I take Wave for its good point and have since 2015, and excellent billing, invoicing and payment processing system. It has added value through its Wave Money expansion as well.

Data & Operations

It's easy to use their receipt app to take a photo or forward a receipt to have it auto-capture. And the ability to integrate through tools like Zapier makes automating invoices a breeze.

Wave review 

Wave is excellent especially when it comes to credit card processing which is done automatically with a very low 1% fee. It is very easy to set up and use and the cost is low or even free.

President

In my case, I must tediously click on each daily ATM transaction and designate this to transfer to an account. After 30 times in a row it is tedious and boring.

They also have integrated a payroll service that prepares the taxes for the federal and state. Best of all you can do that all in the browser and stored online.

Their customer service has been very helpful when I've had questions.

Wave screenshot: Wave dashboard

Wave screenshot: Wave accounting

Wave screenshot: Wave invoice creation

Wave screenshot: Wave invoice schedule

Wave screenshot: Wave invoice list

Wave screenshot: Wave payments

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

Mooncard is a business expense management platform for organizations of all sizes that automates the entire process, from payment to accounting. Key features include OCR, expense management, and more.

Qonto is the leading European business finance solution with over 450,000 customers.
The company makes day-to-day banking easier for SMEs and freelancers by offering an online business account combined with finance tools, such as invoicing, bookkeeping, and spend management.

Pleo is a cloud-based expense management solution which provides virtual and plastic company cards, automatic expense categorization, receipt capture, and more

Spendesk is the smart way to manage your business spending. Flexible payments, approvals, expenses, invoices and accounting — all together for the first time.

Approval Process Control

Approval Workflow

Audit Trail

Budget Control

Configurable Workflow

Corporate Card

Data Visualization

Debit/Credit Card Processing

Document Storage

Duplicate Detection

Duplicate Payment Alert

Electronic Funds Transfer

Enrollments/Onboarding

ERP integration

Expense Claims

Forecasting

Fraud Detection

In-Person Payments

Mileage Tracking

Mobile Access

Mobile Receipt Upload

Online Payments

Optical Character Recognition

Order Management

Payment Processing

Prepaid Cards

Procurement Management

Purchasing & Receiving

Real-Time Analytics

Real-Time Data

Real-Time Reporting

Reimbursement Management

Requisition Management

Risk Management

Search/Filter

Single Sign On

Spend Analysis

Spend Control

Subscription Management

Subscription Plan Management

Supplier Management

Transaction Monitoring

Travel Management

Usage Tracking/Analytics

Vendor Management

Workflow Management

Spendesk

iPad

Head accountant subsidiaries 

Spendesk customer support is one of the best I have seen. Very friendly and available at any time to help you.

Chief Technology Officer

It is not very obvious how to have a card that can be charged multiple times, but only as a single overall process.

Wave vs Spendesk Comparison (2026)

Wave vs Spendesk Comparison (2026)

Wave

Spendesk

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives