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Wave Financial

Wave Financial

Free Accounting Payments

VS

MultiBanco

Portuguese Payments

MultiBanco
Fees from
2.9%–3.4% + $0.6 vs From €0.10 per transaction
Features

1 shared

1 unique to Wave Financial
Regions

0 shared

1 unique to Wave Financial · 1 unique to MultiBanco
Pay methods

2 shared

4 unique to Wave Financial · 4 unique to MultiBanco
On settlement

Wave Financial settles in 1–2 business days; MultiBanco settles in Next business day. Verify directly with each provider before signing.

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2 features · 10 payment methods · 2 regions. We don't rank these — they're here for reference.
Wave Financial Wave Financial
MultiBanco MultiBanco
Quick Facts
Fees
Standard transaction rate
2.9%–3.4% + $0.6
From €0.10 per transaction
Settlement
Time to receive funds
1–2 business days
Next business day
Founded
2010
1985
Headquarters
Toronto, Canada
Lisbon, Portugal
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Wave Financial leads (2 vs 1)
Low Fees
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card Unique
—
✓
Mastercard Unique
✓
—
Multibanco Unique
—
✓
Prepaid Card Unique
—
✓
Visa Unique
✓
—
Regions
Europe Unique
—
✓
North America Unique
✓
—

Wave Financial is best when you...

Free Accounting Payments
Need Startup Friendly
Not available with MultiBanco
Want coverage in North America
MultiBanco doesn't cover this region
View Wave Financial

MultiBanco is best when you...

Portuguese Payments
Want coverage in Europe
Wave Financial doesn't cover this region
View MultiBanco

Frequently Asked Questions

What is the difference between Wave Financial and MultiBanco?
They share 2 payment methods and 0 regions. Wave Financial adds Amex, Apple Pay, Mastercard and 1 more that MultiBanco does not list; MultiBanco adds Contactless, Debit Card, Multibanco and 1 more that Wave Financial does not list; Wave Financial also covers North America; MultiBanco also covers Europe.
Which is cheaper, Wave Financial or MultiBanco?
Wave Financial has published rates from 2.9%–3.4% + $0.6; MultiBanco has published rates from From €0.10 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 MultiBanco?
Wave Financial lists 1 region and 6 payment methods; MultiBanco lists 1 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Wave Financial and MultiBanco compare on integration and settlement?
Wave Financial offers a sandbox, MultiBanco does not list one; both support webhooks; Wave Financial settles in 1–2 business days, MultiBanco 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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