Honest comparison — updated 2026

ZiggyInvoice vs Wave

Wave is “free” — but charges 2.9% + 30¢ on every payment. ZiggyInvoice charges a flat monthly fee with no payment markup.

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The hidden cost of “free”

Wave is free to use, but charges 2.9% + 30¢ on every credit card payment and 1% on bank transfers. If you collect $50,000/year from clients, that's $1,480+ in Wave payment fees alone. ZiggyInvoice costs $228/year on the Starter plan — and you pay Stripe's standard fees, which are identical to what Wave charges.

Feature-by-feature comparison

Feature
ZiggyInvoice
Wave
Monthly fee
From $19/mo flat
Free (but see below)
Transaction fees
None (Stripe fees only: 2.9% + 30¢)
2.9% + 30¢ per transaction (always)
Cost on $5,000/mo revenue
~$174 (Stripe fees)
~$175 (same Stripe fees + free plan)
Auto payment reminders
✓ Included
Limited
Recurring invoices
✓ Included
✓ Included
Client portal
✓ Included
Basic
PDF templates (branded)
✓ Custom branding
Limited customization
Customer support
Email + priority options
Community only (free)
Overdue tracking dashboard
✓ Full dashboard
Basic
14-day free trial
✓ Yes
Free forever (with fees)

Which is right for you?

Choose Wave if…
  • → You invoice very rarely (1–2x per year)
  • → You collect cash or check — not online
  • → You need basic accounting features
  • → Zero upfront cost is the priority
Choose ZiggyInvoice if…
  • You collect payments online regularly
  • You want automated reminders and tracking
  • You bill more than a few clients per month
  • You want professional branded invoicing

Try ZiggyInvoice free for 14 days

No credit card required. Cancel anytime.

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