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Wave vs ZarMoney Comparison (2026)

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Wave

ZarMoney

Overview

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

ZarMoney is a cloud-based accounting solution designed to assist businesses of all sizes with the management of inventory and finances. Key features include team collaboration, quote generation, invoicing, transaction tracking, remote access, and approval workflows.

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

4.7

Value for money

Ease of use

Features

Customer support

87%

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

“Easy to input information and create my own financial Reports, and my accountant has no issues with importing my entries over for his own purposes to prepare my company’s yearly Return”

Joseph L.

Principal

Pros

“it make me feel i control the business, know what sold and what purchase.it is perfect support for small business.”

Abdullah G.

manager

“Available service using Zarmoney Support to be tested in near future to match invoices.”

Antonio F.

Vice President

“This has to be one of the best applications for small and medium size wholesale and distribution businesses.”

Ethan B.

Owner

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

“Mainly inventory issues. While Zarmoney allows for multiple inventory locations, it falls seriously short with assembly control issues, inaccurate inventory tracking.”

William R.

Owner

“Sometimes I encounter an issue, more often than not its a "problem in chair" thing rather that a problem in computer.”

Russ H.

Co-Owner

“With regard to importing and exporting data, the fields don't always populate if data is identical with entries above or below, so I'm having to double check things and manually key in certain important data points on occasion. And with regard to navigation, there's not a single click from the dashboard to add a customer or vendor, so it takes me 2 or 3 extra steps to initiate that process.”