Wave invoicing alternative: PayToMe compared with Wave

If you are searching for a Wave invoicing alternative, you probably like what Wave does well, which is free invoicing for small businesses, and want to know what else is out there. This page compares Wave with PayToMe (beta) as of October 2026, using only what Wave states on its own pricing and invoicing pages. PayToMe is a young product, so we are upfront about what is live and what is still in development.

TL;DR comparison

Item	Wave	PayToMe (beta)
Free plan	Starter, $0, unlimited invoices and estimates	Free: 100 invoices/day, 500/month, 1,000 in total
Paid plans	Pro, $19/month or $190/year (USD)	Pro $12/month, Business $39/month (or $120 and $390 a year)
Online payments	Optional, card and bank, with processing fees	Live: card, bank transfer and wallets through Stripe
Late payment reminders	Pro plan: reminders at 3, 7 and 14 days after due	Smart reminders are in development
Recurring invoices	Yes, per Wave’s invoicing page	Recurring invoices are in development
Mobile app	iOS and Android	In development
Accounting and bank import	Yes, built in	Not planned as a core feature
AI assistant	Not described on the pages we read	Via, live in beta
Free tools, no account	Not the focus of the pages we read	Invoice, estimate and receipt generators, plus calculators

Who each is best for

Wave is a good fit if

• You want invoicing and light bookkeeping in one free account.
• You are comfortable paying card processing fees only when customers pay online.
• You want bank transaction imports, which Wave describes on its Pro plan, subject to your bank being supported.
• You need a product with a long track record, since Wave’s pages show it has been running since 2010.

PayToMe is a good fit if

• Your main pain is the time spent writing invoices and chasing late payers, not bookkeeping.
• You like the idea of describing a job in plain words and reviewing a draft.
• You want a free plan with clear daily and monthly limits and a simple upgrade path.
• You are happy to start on the Free plan at app.paytome.si and add paid features as you grow.

If you already depend on Wave’s accounting, PayToMe is not a drop-in replacement. It may fit better as a billing front end alongside whatever you use for your books.

A Wave alternative: where PayToMe is different

We do not claim PayToMe does everything Wave does. The differences are about focus.

Speed of creating an invoice

Wave uses the familiar form: pick a customer, add lines, send. PayToMe lets you describe the job, for example “twelve hours of design for Acme at one hundred an hour, due in two weeks”, and Via prepares the draft. You review every number before anything goes out. This is described in AI invoicing, and Via is live in beta, so you can try it on a real invoice.

An assistant that asks before it acts

Via never sends anything without your confirmation, and totals are computed by a tested invoice engine, not by the language model. The same engine already powers the free generator.

Collections as a core job

Wave’s Pro plan includes automated late-payment reminders on a fixed schedule. PayToMe’s smart reminders aim to adjust the follow-up to the client and the invoice, with you approving the messages. Smart reminders are in development.

Clear free limits

PayToMe’s Free plan is 100 invoices a day, 500 a month and 1,000 in total. For most solo businesses that is plenty, but if you send thousands of invoices, a plan with no stated cap such as Wave’s Starter is a better match.

Free tools, no account needed

You can create a PDF with the free invoice generator without an account, or work out interest with the late fee calculator. To send invoices and get paid, sign in to the Free plan.

Pricing comparison

Prices below are as of October 2026. Wave’s come from its pricing page, and PayToMe’s are its own plan prices in US dollars.

Item	Wave	PayToMe (beta)
Entry plan	Starter, $0	Free, $0
Mid plan	Pro, $19/month or $190/year	Pro, $12/month or $120/year, 3,000 invoices a month
Top plan	None listed beyond Pro	Business, $39/month or $390/year, 15,000 invoices a month
Card payments, entry plan	2.9% + $0.60 per transaction	Through Stripe
Card payments, Pro	2.9% + $0 for the first 10 transactions each month, then Starter rates	Through Stripe
Amex	3.4% + $0.60 (Starter)	Through Stripe
Bank payments	1% with a $1 minimum, per Wave’s invoicing page	Bank transfer through Stripe
Receipts	Receipt capture is an add-on, from $11/month on Starter	Receipts for paid invoices are live

A few notes from Wave’s own page:

• Wave also lists a CAD price for Pro, $25 a month, and says Pro pricing is per business.
• Online payments require eligibility approval, including identity verification and a credit review.
• Support is live chat or email on weekdays, Eastern time.
• Bookkeeping and payroll are optional paid add-ons.

The honest summary: Wave’s free plan is hard to beat on price if you need unlimited invoices. PayToMe’s value is meant to be time saved on creating and chasing invoices, not a lower fee. Check the PayToMe pricing page for the current plans.

Switching notes

You do not have to choose all at once.

What we could not verify

We did not find a statement on the Wave pages we read about AI features, an invoice cap on Starter, or a public API, so we have not made claims either way. Wave may have added features since we checked. Read Wave’s pages before deciding, and see our comparison hub for other tools.