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Wave Financial

Wave Financial

Free Accounting Payments

VS

Flowhub

Cannabis POS & Payments

Flowhub
Fees from
2.9%–3.4% + $0.6 vs Custom
Features

0 shared

2 unique to Wave Financial · 2 unique to Flowhub
Regions

1 shared

Pay methods

1 shared

5 unique to Wave Financial · 3 unique to Flowhub

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4 features · 9 payment methods · 1 regions. We don't rank these — they're here for reference.
Wave Financial Wave Financial
Flowhub Flowhub
Quick Facts
Fees
Standard transaction rate
2.9%–3.4% + $0.6
Custom
Settlement
Time to receive funds
1–2 business days
—
Founded
2010
2015
Headquarters
Toronto, Canada
Denver, Colorado
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
High Risk Accepted Unique
—
✓
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Wave Financial leads (6 vs 4)
Ach Unique
—
✓
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Cash 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 Flowhub
Need Startup Friendly
Not available with Flowhub
View Wave Financial

Flowhub is best when you...

Cannabis POS & Payments
Need Enterprise
Not available with Wave Financial
Need High Risk Accepted
Not available with Wave Financial
View Flowhub

Frequently Asked Questions

What is the difference between Wave Financial and Flowhub?
They share 1 payment method and 1 region. Wave Financial adds Amex, Apple Pay, Bank Transfer and 2 more that Flowhub does not list; Flowhub adds ACH, Cash, Debit Card that Wave Financial does not list; only Wave Financial offers Low Fees, Startup Friendly; only Flowhub offers Enterprise, High Risk Accepted.
Which is cheaper, Wave Financial or Flowhub?
Wave Financial has published rates from 2.9%–3.4% + $0.6; Flowhub has custom pricing quoted on engagement. 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 Flowhub?
Wave Financial lists 1 region and 6 payment methods; Flowhub 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 Flowhub compare on integration and settlement?
Wave Financial offers a sandbox, Flowhub does not list one; both support webhooks; Wave Financial publishes a settlement time of 1–2 business days.

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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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