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Wave Financial

Wave Financial

Free Accounting Payments

VS

Paymático

Spanish multi-site businesses such as franchises, restaurant groups, fitness chains, retailers, marketplaces and vertical software platforms that need to centralise payment channels and reconciliation.

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

0 shared

2 unique to Wave Financial
Regions

0 shared

1 unique to Wave Financial
Pay methods

2 shared

4 unique to Wave Financial · 5 unique to Paymático
On settlement

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

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Show full specs
2 features · 11 payment methods · 1 regions. We don't rank these — they're here for reference.
Wave Financial Wave Financial
Paymático Paymático
Quick Facts
Fees
Standard transaction rate
2.9%–3.4% + $0.6
—
Settlement
Time to receive funds
1–2 business days
—
Founded
2010
—
Headquarters
Toronto, Canada
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Wave Financial leads (2 vs 0)
Low Fees Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Paymático leads (7 vs 6)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Bizum Unique
—
✓
Credit Card
✓
✓
Debit Card Unique
—
✓
Mastercard Unique
✓
—
Payment Link Unique
—
✓
Pos Unique
—
✓
Sepa Unique
—
✓
Visa Unique
✓
—
Regions
Wave Financial leads (1 vs 0)
North America Unique
✓
—

Wave Financial is best when you...

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

Paymático is best when you...

Spanish multi-site businesses such as franchises, restaurant groups, fitness chains, retailers, marketplaces and vertical software platforms that need to centralise payment channels and reconciliation.
View Paymático

Frequently Asked Questions

What is the difference between Wave Financial and Paymático?
They share 2 payment methods and 0 regions. Wave Financial adds Amex, Apple Pay, Mastercard and 1 more that Paymático does not list; Paymático adds Bizum, Debit Card, Payment Link and 2 more that Wave Financial does not list; Wave Financial also covers North America; only Wave Financial offers Low Fees, Startup Friendly.
Which is cheaper, Wave Financial or Paymático?
Wave Financial has published rates from 2.9%–3.4% + $0.6; Paymático 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 Paymático?
Wave Financial lists 1 region and 6 payment methods; Paymático lists 0 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Wave Financial and Paymático compare on integration and settlement?
Wave Financial offers a sandbox, Paymático does not list one; Wave Financial supports webhooks; Wave Financial publishes a settlement time of 1–2 business days.

Are you Wave Financial or Paymático?

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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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