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Wave Financial

Wave Financial

Free Accounting Payments

VS

ClickPay

Real Estate Payments

ClickPay
Fees from
2.9%–3.4% + $0.6 vs Per-transaction
Features

0 shared

2 unique to Wave Financial · 1 unique to ClickPay
Regions

1 shared

Pay methods

2 shared

4 unique to Wave Financial · 2 unique to ClickPay

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Show full specs
3 features · 8 payment methods · 1 regions. We don't rank these — they're here for reference.
Wave Financial Wave Financial
ClickPay ClickPay
Quick Facts
Fees
Standard transaction rate
2.9%–3.4% + $0.6
Per-transaction
Settlement
Time to receive funds
1–2 business days
Next business day
Founded
2010
2000
Headquarters
Toronto, Canada
Parsippany, New Jersey
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Wave Financial leads (2 vs 1)
Low Fees Unique
✓
—
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Wave Financial leads (6 vs 4)
Ach Unique
—
✓
Amex Unique
✓
—
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Credit Card
✓
✓
Debit Card Unique
—
✓
Mastercard Unique
✓
—
Visa Unique
✓
—
Regions
North America
✓
✓

Wave Financial is best when you...

Free Accounting Payments
Need Low Fees
Not available with ClickPay
Need Startup Friendly
Not available with ClickPay
View Wave Financial

ClickPay is best when you...

Real Estate Payments
Need Recurring Payments
Not available with Wave Financial
View ClickPay

Frequently Asked Questions

What is the difference between Wave Financial and ClickPay?
They share 2 payment methods and 1 region. Wave Financial adds Amex, Bank Transfer, Mastercard and 1 more that ClickPay does not list; ClickPay adds ACH, Debit Card that Wave Financial does not list; only Wave Financial offers Low Fees, Startup Friendly; only ClickPay offers Recurring Payments.
Which is cheaper, Wave Financial or ClickPay?
Wave Financial has published rates from 2.9%–3.4% + $0.6; ClickPay has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Wave Financial and ClickPay?
Wave Financial lists 1 region and 6 payment methods; ClickPay lists 1 and 4. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Wave Financial and ClickPay compare on integration and settlement?
Wave Financial offers a sandbox, ClickPay does not list one; both support webhooks; Wave Financial settles in 1–2 business days, ClickPay in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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