InvoiceFlow vs Wave
The Lean Wave Alternative with WhatsApp Reminders & USDT Payments
For freelancers and small agencies who need to chase less—not manage a free bookkeeping suite.
Compare what you actually need
Wave's invoicing is free, but every card payment carries a per-transaction fee. InvoiceFlow keeps pricing flat: $0 Starter or $29/month Pro, with no markup on top of standard processor fees.
| Feature | InvoiceFlow | Wave |
|---|---|---|
| Monthly price (USD) | $0 Starter · $29 Pro (RM49/mo in Malaysia) | Free invoicing; Pro $16/mo adds automation |
| Free plan | 3 active invoices, no trial expiry | Free invoicing & accounting; card payments cost extra per transaction |
| WhatsApp reminders | One-click manual reminders, both plans | Not listed as a native feature |
| Dual-currency checkout (USD & MYR) | Card payments in USD or MYR, both plans | Primarily US/Canada payments; MYR not supported |
| USDT TRC-20 settlement | For USD invoices, both plans | Not listed among native payment methods |
| Automated email reminders | Pro | Pro plan |
| Recurring invoices | Pro | Pro plan |
| Free invoice generator (no signup) | Instant PDF download, no account needed | Requires a free Wave account |
| Payment processing markup | No markup from InvoiceFlow; standard processor fees only | Per-transaction fees on every card payment |
| Accounting tools | Focused on invoicing and collections | Free bookkeeping and reports included |
Sources checked 17 October 2026: Wave pricing and payment processing fees. Features, regional availability and promotions may change. Card processing and network fees may apply with either product. InvoiceFlow is not affiliated with Wave.
Follow up on WhatsApp
Open a ready-to-send reminder with the remaining balance and payment link.
Give clients payment choice
Accept cards in USD or MYR, or USDT on Tron for USD invoices.
Try it with zero signup
Our free invoice generator creates a PDF instantly—no account, no watermark.
Choose InvoiceFlow for lean collections
A good fit when your priority is unpaid balances, quick WhatsApp follow-ups and card or USDT payments in USD or MYR. Start with three active invoices free, then upgrade when automation earns its place.
Choose Wave for free bookkeeping
A better fit if you're US or Canada based and want free accounting alongside invoicing, and don't mind per-transaction payment fees. InvoiceFlow is not a replacement for a full accounting system.
Less chasing. Your next invoice starts here.
No credit card needed for Starter.