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Wave Financial

Wave Financial

Free Accounting Payments

VS

PanPay

P
Fees from
2.9%–3.4% + $0.6 vs —
Features

0 shared

2 unique to Wave Financial
Regions

1 shared

2 unique to PanPay
Pay methods

0 shared

6 unique to Wave Financial · 3 unique to PanPay
On fees

Not enough published data on fees for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 9 payment methods · 3 regions. We don't rank these — they're here for reference.
Wave Financial Wave Financial
PanPay
Quick Facts
Fees
Standard transaction rate
2.9%–3.4% + $0.6
—
Settlement
Time to receive funds
1–2 business days
—
Founded
2010
2017
Headquarters
Toronto, Canada
Shanghai, China
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Wave Financial leads (2 vs 0)
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Wave Financial leads (6 vs 3)
Ach Unique
—
✓
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Credit Card Unique
✓
—
Mastercard Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Visa Unique
✓
—
Regions
PanPay leads (3 vs 1)
Asia Unique
—
✓
Europe Unique
—
✓
North America
✓
✓

Wave Financial is best when you...

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

PanPay is best when you...

Want coverage in Asia, Europe
Wave Financial doesn't cover these regions
View PanPay

Frequently Asked Questions

What is the difference between Wave Financial and PanPay?
They share 0 payment methods and 1 region. Wave Financial adds Amex, Apple Pay, Bank Transfer and 3 more that PanPay does not list; PanPay adds ACH, SEPA, SWIFT that Wave Financial does not list; PanPay also covers Asia, Europe; only Wave Financial offers Low Fees, Startup Friendly.
Which is cheaper, Wave Financial or PanPay?
Wave Financial has published rates from 2.9%–3.4% + $0.6; PanPay has no published rate. 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 PanPay?
Wave Financial lists 1 region and 6 payment methods; PanPay lists 3 and 3. 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 PanPay compare on integration and settlement?
Wave Financial offers a sandbox, PanPay does not list one; Wave Financial supports 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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