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Wave vs Square Payroll Comparison

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Overview

Category Leaders

Wave is an all-in-one accounting solution for small businesses which combines income and expense tracking, invoicing, receipt...

Category Leaders

Square Payroll is a cloud-based U.S. solution that handles federal and state payroll taxes including withholdings, payments and filings

  • 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
  • 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

Video & Screenshots

No videos yet

Pricing

Starting from

20

Per year

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

35

Per month

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.4

1.5K

5

4

3

2

1

992

414

92

30

64

  • Value for money
  • Ease of use
  • Features
  • Customer support
92%
would recommend this app

4.7

610

5

4

3

2

1

451

129

18

2

10

  • Value for money
  • Ease of use
  • Features
  • Customer support
97%
would recommend this app

Pros

The interface is user-friendly and has a comprehensive set of features that can elevate any small business to great success.
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.
I thought it was going to be great when I saw that it functioned with Etsy. And I loved that it is free.

Pros

I love how easy it is to use, the price, and that it integrates with my current square system. The built in time clock is amazing and so easy to use.
The ease of use and the cost is the best for a small company like mine. With only 2 checks to write on a weekly basis, this program is easy and affordable.
I also appreciate the tax report automatic filing. The customer service is great and the representatives, with whom I have spoken, are knowledgeable, helpful and friendly.

Cons

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

Cons

The inability to schedule same day payments, but there isn't really a Payroll software that does this quite right.
I disliked that one time, when I had a major--and time sensitive--issue, that Square took 5 business days to get me a reply.
Square charges a fee per employee which can get pricey with a large team.
  • Vendor responds to reviews
  • Last review6 days ago
  • Vendor responds to reviews
  • Last reviewa month ago

Key features

  • Total features77
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Account Reconciliation
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Activity Dashboard
  • Activity Tracking
  • Alerts/Notifications
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Dashboard
  • Benefits Management
  • Billing & Invoicing
  • Budgeting/Forecasting
  • CPA Firms
  • Cash Flow Management
  • Cash Management
  • Collaboration Tools
  • Commission Management
  • Compliance Management
  • Credit Card Processing
  • Customer Statements
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Security
  • Direct Deposit
  • Electronic Payments
  • Email Reminders
  • Employee Database
  • Employee Management
  • Employee Portal
  • Employee Profiles
  • Employee Self Service
  • Estimating
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For Accountants
  • For Cloud
  • For Government
  • 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
  • Leave Tracking
  • Mobile App
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Online Benefits Enrollment
  • Online Invoicing
  • PCI Compliance
  • Partial Payments
  • Payroll Management
  • Payroll Reporting
  • Profit/Loss Statement
  • Project Accounting
  • Purchase Order Management
  • Real-Time Notifications
  • Real-Time Reporting
  • Real-Time Updates
  • Receipt Management
  • Receivables Ledger
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Reminders
  • Remote Access/Control
  • Reporting & Statistics
  • Reporting/Analytics
  • Revenue Recognition
  • SSL Security
  • Sales Tax Management
  • Self Service Portal
  • Sick Leave Tracking
  • Spend Management
  • Status Tracking
  • Tax Calculation
  • Tax Compliance
  • Tax Filing
  • Tax Forms
  • Tax Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Off Requests
  • Time Tracking
  • Timesheet Management
  • Transaction History
  • Transaction Management
  • Vacation/Leave Tracking
  • W-2 Preparation
  • Wage Garnishment
  • Web-based Deployment
  • Total features39
  • 401(k) Tracking
  • ACH Payment Processing
  • API
  • Access Controls/Permissions
  • Account Reconciliation
  • Accounting
  • Accounting Integration
  • Accounts Payable
  • Accounts Receivable
  • Activity Dashboard
  • Activity Tracking
  • Alerts/Notifications
  • Automatic Billing
  • Bank Reconciliation
  • Benefits Dashboard
  • Benefits Management
  • Billing & Invoicing
  • Budgeting/Forecasting
  • CPA Firms
  • Cash Flow Management
  • Cash Management
  • Collaboration Tools
  • Commission Management
  • Compliance Management
  • Credit Card Processing
  • Customer Statements
  • Customizable Branding
  • Customizable Reports
  • Customizable Templates
  • Data Import/Export
  • Data Security
  • Direct Deposit
  • Electronic Payments
  • Email Reminders
  • Employee Database
  • Employee Management
  • Employee Portal
  • Employee Profiles
  • Employee Self Service
  • Estimating
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Financial Reporting
  • Fixed Asset Management
  • For Accountants
  • For Cloud
  • For Government
  • 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
  • Leave Tracking
  • Mobile App
  • Multi-Currency
  • Multi-State
  • Nonprofits
  • Online Benefits Enrollment
  • Online Invoicing
  • PCI Compliance
  • Partial Payments
  • Payroll Management
  • Payroll Reporting
  • Profit/Loss Statement
  • Project Accounting
  • Purchase Order Management
  • Real-Time Notifications
  • Real-Time Reporting
  • Real-Time Updates
  • Receipt Management
  • Receivables Ledger
  • Recurring Invoicing
  • Recurring/Subscription Billing
  • Reminders
  • Remote Access/Control
  • Reporting & Statistics
  • Reporting/Analytics
  • Revenue Recognition
  • SSL Security
  • Sales Tax Management
  • Self Service Portal
  • Sick Leave Tracking
  • Spend Management
  • Status Tracking
  • Tax Calculation
  • Tax Compliance
  • Tax Filing
  • Tax Forms
  • Tax Management
  • Third-Party Integrations
  • Time & Expense Tracking
  • Time Off Requests
  • Time Tracking
  • Timesheet Management
  • Transaction History
  • Transaction Management
  • Vacation/Leave Tracking
  • W-2 Preparation
  • Wage Garnishment
  • Web-based Deployment

Integrations

  • Total integrations40
  • Dynamics 365
  • Dynamics 365 Business Central
  • FreshBooks
  • Gmail
  • HubSpot CRM
  • Microsoft Excel
  • NetSuite
  • PayPal
  • Plaid
  • QuickBooks Online
  • QuickBooks Online Advanced
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier
  • authorize.net
  • Total integrations28
  • Dynamics 365
  • Dynamics 365 Business Central
  • FreshBooks
  • Gmail
  • HubSpot CRM
  • Microsoft Excel
  • NetSuite
  • PayPal
  • Plaid
  • QuickBooks Online
  • QuickBooks Online Advanced
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier
  • authorize.net

User reviews that mention these apps

KS
AvatarImg

Ken S.

Management Consulting, 1-10 employees

Used weekly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend5/10

Share this review:

Wave logo

Wave

Good forbasic Bookkeeping

Reviewed 6 years ago
Pros

The software itself is great for a free program, it has a very clean user interface. Simple to set up and use

Cons

They seriously need to work on the payment processing. I ended up refunding a client only to reprocess through Square. I would rely on running my payroll with this company

D
AvatarImg

Daryl

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

Wave logo

Wave

Great features!

Reviewed 10 years ago

Have been using Wave for over a year now and I will never go back.

Pros

Payroll

Cons

Lacks Square integration

JS
AvatarImg

Joe S.

Hospitality,

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

Share this review:

Wave logo

Wave

Software has been easy to use

Reviewed 8 years ago
Pros

I like the interface and most info can be found under help and the faq

Cons

Payroll does not handle zero payroll checks for tipped employees.

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Lakshmia F.

Marketing and Advertising, 1-10 employees

Used weekly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

Share this review:

Wave logo

Wave

Great Accounting to start with, but not to grow with

Reviewed 5 years ago
Pros

Starts as a free plan Takes Paypal, Stripe and Square

Cons

Support is RUDE Even if you invoice using paypal, stripe or square, they will NOT process the payment with them! They force you to use bank transfer, even when you disconnect the account. That's not really secure, smart or consumer friendly.

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Chris F.

Restaurants, 11-50 employees

Used daily for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend5/10

Share this review:

Wave logo

Wave

OK, if you can live with some very big limitations

Reviewed 7 years ago

Having used quickbooks previously I thought this was a great way to save some money on a new business adventure. I quickly learned that this is not a place where you want to skimp out on features, and ended up paying more in my time. If you you have more time on your hands and you can put in the time then this software will probably work well for you. If you have multiple businesses and another job, forget it, it isn't worth the hassle.

Pros

Full Disclosure - Used this software 2 years ago. Free and allowed us to sync with our bank accounts. Payroll wasn't included but was a cheap additional.

Cons

Payroll had severe limitations in NYS, Additionally after I moved away from the software I forgot to grab our payroll reports.

CE
AvatarImg

Chris Edwin M.

Accounting, 1-10 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

Share this review:

Wave logo

Wave

Wave accounting software

Reviewed 5 years ago
Pros

Easy to use and has all the functionality of softwares such as Xero and quickbooks. It’s free and good for small businesses. My clients really like it.

Cons

Payroll function not available in the UK

jw
AvatarImg

james w.

Health, Wellness and Fitness, 1-10 employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

Wave logo

Wave

Great tool for a beginner

Reviewed 2 years ago
Pros

Ease of use. Simple accounting. great reporting functions

Cons

More detail for reporting. Payroll seems clunky

AvatarImg

Verified reviewer

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

Wave logo

Wave

Excellent value. Love Yodlee feeds.

Reviewed 7 years ago
Pros

It's free. How can you beat that? The Yodlee feeds make importing and reconciliation painless. Cloud-based accessibility and reliability is great.

Cons

Ultimately, I went with another bookkeeping software. I needed payroll reporting and the cost for Wave's payroll would have been the same as my current bookkeeping + payroll software. I also found Wave bookkeeping to be less intuitive.

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James R.

Professional Training & Coaching, self-employed

Used weekly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Wave logo

Wave

My go-to invoicing and accounting tool for my small business!

Reviewed 3 years ago

Nothing but amazing! I'm so glad I switched from Square for my invoice and payment processing.

Pros

It is so easy to use, and customized specifically for small business owners. I absolutely LOVE the invoice feature - it's the primary feature that I use - and it just works so well. My completed payments rate is 100% and I believe is at least in part due to how easy the process is to view/pay invoices.

Cons

Sometimes I wish the payment speed was faster after a client makes a payment, but then they introduced instant deposits and I'm happy to pay the small fee to get my money faster!

PS
AvatarImg

Pam S.

Financial Services, 1-10 employees

Used monthly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend7/10

Share this review:

Wave logo

Wave

Wave Accounting

Reviewed 2 years ago
Pros

Easy to use, inexpensive, payroll and accounting

Cons

Had a problem with the payroll tax deposit

VH
AvatarImg

Vanessa H.

Self-employed

Used monthly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

Wave logo

Wave

Great Option for Small Business

Reviewed 7 years ago

Wave Accounting is great option for businesses looking to save money on accounting software. It allows you to sync up with your banking establishments and do things like payroll and bank reconciliations as well as basic reporting. Wave is fairly user friendly and it's features work for many basic small businesses. Some of my objective feedback on this software would be that it takes a long time to load transactions when you switch from page to page and that it's options to add more complicated payroll additions are limited. I think some improvements can be made on the way the bank reconciliation feature works as well but overall it is great value for the money (or lack thereof).

Pros

Cost efficient Simple to Use

Cons

Lack of Payroll Features Slow Loading at Times

Jr
AvatarImg

Jacki r.

E-Learning, 1-10 employees

Used monthly for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend3/10

Share this review:

Wave logo

Wave

I liked Wave but it didn't meet my needs

Reviewed 2 years ago

Overall, the software was fine and affordable.

Pros

I liked the ease of use for the parts I understood.

Cons

Support was not accessible unless you had the payroll feature and since we didn't have payroll I couldn't get any help that I needed using the software.

BS
AvatarImg

Bonnie S.

Sporting Goods, 1-10 employees

Used monthly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

Wave logo

Wave

Easy to use for beginners

Reviewed 5 years ago
Pros

I like that it is easy to use for beginners and for a small business just trying to keep track for tax purposes.

Cons

I would like it to be more easy and straightforward to integrate different accounts with it. Like square.

CB
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Charles B.

Marketing and Advertising, 11-50 employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

Wave logo

Wave

Calculation errors and poor support.

Reviewed 2 years ago
Pros

Software was easy to setup and seemed to work fine until there was an issue. Then they dropped the ball.

Cons

The errors that Wave Payroll makes in calculations is unacceptable.

MC
AvatarImg

Mary C.

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

Share this review:

Wave logo

Wave

Excellent app, by far the best all-in-one affordable solution

Reviewed 11 years ago

I've been using Wave for 2 years now, granted there was a hiccup last December, their customer support was more than responsive in solving the issues. All in all, this is by far the best sort of all in one solution I've found for accounting, invoicing, receipts, and payroll. All the core functions are completely free no limits, and the payroll is reliable and affordable (something like $4/employee + a $5 monthly fee). Some invoicing features are missing you can find in invoice specific applications, though the integration with my accounting makes up for it. I can even accept credit cards right on the invoice itself.

Pros

Free and unlimited accounting/invoicing Integrated products make accounting easy Cheap payroll for basic needs Payroll mobile app is awesome

Cons

Doesn't have time tracking built into invoices Still growing

PG
AvatarImg

Praveen G.

Management Consulting, 1-10 employees

Used monthly for 1-2 years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend1/10

Share this review:

Wave logo

Wave

Extremely Poor Customer Service

Reviewed 5 years ago
Pros

Self-service web interface is fairly easy to use. That's pretty much all I like about this application/service.

Cons

Wave Payroll's customer service is extremely poor. It's almost impossible to reach Wave Payroll agents by phone. Emails to Wave Payroll Support are sometimes do not generate a response. Agents contradict each other statements. Basically, it's a crazy house there. Missing features of most payroll services. Many states are not supported.

JW
AvatarImg

Jim W.

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

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Wave logo

Wave

Simple, Easy Payroll

Reviewed 9 years ago

Integrated well with WAVE cloud accounting. Payroll features are easy to setup and control. Email alerts tell me when to run payroll. Nice.

Pros

No pros were added to this review

Cons

No cons were added to this review

EB
AvatarImg

Erica B.

Entertainment, self-employed

Used weekly for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Wave logo

Wave

Prefer Wave over Square

Reviewed 5 years ago

I switched over from Square (which I never really loved) - Wave seems to have more options and capabilities, which I really like.

Pros

Wave has an incredible number of options for your sales. I like that you can use it as regular invoicing software (generating a good-looking PDF), you can allow for online payments (which transfer quickly to your bank account,) and I particular like the Checkouts option - it allows you to post a link and let people buy/pay for your good or service without invoicing them, which is super handy.

Cons

Sometimes I'm moving too quickly and forget that I need to "create" a new item or customer and it kicks me back to a blank field.

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Oladipo A.

Broadcast Media, 11-50 employees

Used monthly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Wave logo

Wave

Payroll Review

Reviewed 3 years ago

On a general note, the wave payroll dashboard always give a quick caption of all payroll related information. The application is one of the best.

Pros

Wave payroll is a software used by small/medium scale business owners to pay the wages of their workers or contractors. It has been simplified to a level that it saves time and money while one will still access high quality payroll facilities. I am very comfortable with wave payroll because it connects to other wave application like wave accounting but not to third party. It is easy to understand and easy to manage income and expenses.

Cons

It is not completely free. It is not easily accessible I.e wave payroll don't have an app that work on Andriod and IOS devices. It cannot be accessed without adequate internet connections.

AB
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Alissa B.

Accounting, self-employed

Used daily for 1-2 years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Wave logo

Wave

Wave is a great option for Canadian businesses!

Reviewed 7 years ago
Pros

I love the payroll functions and overall ease of use. Wave offers connection to your bank so transactions are downloaded automatically and also has Canadian payroll.

Cons

Not as robust as some other platforms but it is improving by leaps and bounds while others stay stagnant. And it gets the job done and done well!

DS
AvatarImg

David S.

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support

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Wave logo

Wave

I am a CPA that provides bookkeeping and tax services to business persons using the Wave software.

Reviewed 9 years ago

The payroll module in Wave is very easy to use once set up. It can process payroll, take funds from your account and direct deposit to the employee's account as well as make the payroll deduction remittances for you. The cost is very low and the module integrates into the accounting software thereby saving many steps. Anyone that requires payroll I recommend they use Wave.

Pros

No pros were added to this review

Cons

No cons were added to this review

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Becca G.

Higher Education, 1,001-5,000 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Wave logo

Wave

Stop Manually Entering Receipts for your Business!

Reviewed 5 years ago

It's free and saves me SO much time for expense tracking. I've already recommended it to several friends with small businesses.

Pros

I love the receipts feature, where you can take a photo of a receipt (or upload a screenshot of an invoice, such as you have with Amazon orders) and upload. The app reads the receipt for the business name, date, and total. You can then choose a category that the receipt goes in (i.e. Purchase- goods and materials) and a source (i.e. Cash on hand).

Cons

It wasn't immediately obvious to me how to enter income. It would track it automatically if I were using Wave for online invoicing and payments, but I already have an online store with payments through Square, so I had to figure out how to manually enter income from my Square sales if I wanted to get an overall picture of profit and loss. I would LOVE if Wave had a way to import data from Square, Shopify, and other sales apps, which typically have an export (CSV or Excel) feature for reports.

CR
AvatarImg

Christina R.

Health, Wellness and Fitness, self-employed

Used weekly for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

Wave logo

Wave

Great free software

Reviewed a year ago

This is an awesome free alternative to quickbooks. It’s not quite as polished but worth the money I’m saving.

Pros

I switched from Quickbooks which god a bit expensive for me. This is a very cheap alternative which is easy to use. I was able to connect my banks and credit cards pretty easily.

Cons

I don’t like that I am unable to push a bank sync so sometimes I have to just wait. I’m also bummed that mobile receipt scanning costs extra. I was unable to sync my square account but I can do all of my accounting without it and will just have to add my square fees later.

TK
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Tonya K.

Construction, 1-10 employees

Used weekly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Wave logo

Wave

No More Payroll Headaches

Reviewed 5 years ago

This software has saved me a ton of time and frustration. When I have questuins they respnd quickly to help me out.

Pros

This sodtware makes it simple to do payroll for my company. The handle all of the taxes and scheduling of payroll liability payments. I love that they automatically fill out my employee tax forms.

Cons

The only thing I don’t like is that I can’t set up payroll to run automatically each week. You need to run payroll and approve it. My employees are salary so the pay is the same each week.

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Mohamed S.

Computer & Network Security, 1-10 employees

Used weekly for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Wave logo

Wave

The accounting app for all start-ups

Reviewed 6 years ago

This is the one accounting application suite for your business start-up. You'll not need any further apps

Pros

ease of use, and tiers of pricing which you couldn't ask for more

Cons

still integration with other apps limited somehow, and payroll is not available except in US