Comparison

Zoho Invoice Maker App vs Wave

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Zoho Invoice Maker App

Create professional invoices and estimates for your small business. Send them directly to clients, accept online payments, and automate reminders for overdue bills. Track expenses and gain insights into your business finances with comprehensive reports.

Highlights
  • Create professional invoices
  • Generate estimates
  • Accept online payments
  • Automated payment reminders
  • Track business expenses
  • Customer portal
  • Time tracking for projects
Features
Read full description

Zoho Invoice is a completely FREE invoicing application that ensures you get paid for your hard work. Zoho Invoice is the perfect invoicing app for your small business, allowing you to create estimates, convert them into professional invoices, send the invoices, and receive payments from customers. Here's everything you need to know about the ultimate invoice creator app, Zoho Invoice. The best invoicing app is on the house Zoho Invoice was a paid app until 2021, when we decided to level the playing field for small businesses and made it completely free. Zoho Invoice does not have hidden paid plans; it is free forever. Create and send invoices however you'd like You get to choose from over 18 professional invoice templates and customize the tables, fonts, colors, fields, and more. The invoices can be sent directly to the customer's email inbox or downloaded as a PDF invoice, which can be shared via iMessage or WhatsApp. Easily collect and track online payments Connect your Zoho Invoice account to a payment gateway and give your customers the flexibility to pay with their preferred payment modes. Upon payment, invoices are automatically marked as "paid" in Zoho Invoice. Your payment follow-ups are on autopilot Configure automated payment reminders to follow up with customers for overdue invoices. You have full control over when the payment reminders are sent and can customize the emails as you'd like. Get better deals with estimates
 Use Zoho Invoice's estimates to negotiate with customers and close deals. Customers can view, discuss, reject, and approve estimates. Approved estimates are automatically converted into invoices. Work on hour-based projects with time tracking If you're a freelancer or small business where you charge customers based on total hours spent on the project, you can use Zoho Invoice to track time and convert timesheets into invoices. A simplified and elevated customer experience Your customers are empowered with a portal where they can log in with a user ID and password. Here, they can view credits, approve and reject estimates, pay invoices, download customer statements, and drop feedback. Track every penny that leaves your business's pockets All these capabilities aside, Zoho Invoice is also your friendly business expense tracking app. Record unbillable expenses like rent and maintenance. Also, record billable expenses like raw material costs and get reimbursed by customers. Your business's numbers at your fingertips The moment you log into Zoho Invoice, the dashboard gives you a visual glimpse of your business's health. Dive into deeper metrics with in-depth reports on best-selling products and services, AR aging, top customers, expenses, and projects.   We're constantly tweaking your favorite invoice maker app to work better with your Apple device. We also focus our efforts towards introducing features exclusive to iOS. Here are some of Zoho Invoice's special features tailored for iOS: • Place a handy widget on your iPhone's home screen that shows crucial business numbers and also allows you to perform quick actions. • Secure your financial information with the Touch/Face/Apple ID passcode verification. • Print your invoices and estimates using Air Print. • Upload and store your customer files securely on iCloud. • Use Zoho Invoice's built-in document scanner to save clear copies of paper documents. • Add new contacts using the OCR-powered scan feature by simply snapping a picture of the customer's business card. • Locate your customers' addresses on the map so your field staff can navigate to the locations effortlessly.   Zoho Invoice is trusted by thousands of businesses around the world. Download the Zoho Invoice app today to simplify your invoicing and payment tracking.   Privacy Policy and Terms & Conditions: - https://www.zoho.com/privacy.html - https://www.zoho.com/terms.html   Have questions? Write to us at support+mobile@zohoinvoice.com

About

Wave

Manage your small business finances on the go. Send professional invoices, track expenses with receipt scanning, and monitor your business insights. Get paid faster with integrated online payment options.

Highlights
  • Send customized invoices and estimates
  • Scan receipts with OCR for expense tracking
  • Monitor business insights on a dashboard
  • Accept online credit card and bank payments
  • Automate late payment reminders
  • Syncs with desktop account
Currently charting
Read full description

Wave’s mobile app is an integrated, on-the-go solution for small business owners, creators, freelancers, consultants, and contractors in the US and Canada and the perfect companion to your desktop experience. Send customized, professional invoices and estimates and keep track of your business expenses in one place! Add optional online credit card and bank payment processing to get paid even faster. Plus, subscribe to our Pro Plan to access even more bookkeeping and invoicing features. Our receipts feature is included for free in the Pro Plan or easy to add-on to the Starter Plan. You can capture unlimited receipts with optical character recognition to track your business expenses. Bookkeep better with the Pro Plan Want to look more polished, save more time, and conquer cash flow? With our Pro Plan, you get access to the following features: Capture unlimited receipts and track expenses at no additional cost Option to accept online payments* at a discounted rate Auto-import bank transactions** Auto-merge and categorize bank transactions Add additional users to your account Automate late payment reminders Access live-person chat and email support And more! You’re in good company Wave’s software has helped more than 300K North American small business owners manage their money, so you know we’ve got your back. Dashboard Easily monitor what’s going on in your business with Wave’s intuitive dashboard, which includes: At-a-glance business insights, like profit and loss statements Quick access to invoicing metrics, like amounts overdue and upcoming payments Access to accounting reports for understanding your business, filing taxes, and more Mobile invoicing Create and send professional, customized invoices with your logo Receive notifications when you've been paid Check invoice status (sent, viewed, overdue, paid) Record payments Send invoice reminders and payment receipts Get paid even faster with Wave’s online payments feature to accept credit cards and bank payments Synchronize instantly with your Wave account on desktop Estimates Instantly create and send estimates and land that dream customer quicker Convert an estimate into an invoice in seconds Customize estimates with your brand colors and logo Access your estimates from anywhere, anytime Designed to get you paid faster Wave invoice templates and email messages are designed to help you get paid faster Sending professional easy-to-read invoices inspires confidence from your clients, encouraging prompt payment and repeat business Receipt scanning Organize and manage your receipts in one place with Wave’s subscription-based mobile receipts feature Don’t waste time manually managing your expenses—let our app capture receipt details in seconds using OCR technology Get peace of mind and breeze through tax season with updated books and reports, synced with our accounting feature Upload receipts from your desktop or via email Manage and categorize transactions on-the-go or on desktop—everything stays synced! Accept online payments in seconds Wave’s invoicing software works seamlessly to accept online payments via direct integration with our online payments feature: Getting started is as easy as a few clicks*. You’ll be able to select the invoices where you want to accept all major credit cards (Visa®, MasterCard®, American Express®, Discover®) for a competitive, per transaction fee. Most Wave invoices paid by credit card and bank payment get paid in 2 days or less! Create your Wave account right in the Wave mobile app, or visit waveapps.com. *Approval is subject to eligibility criteria, including identity verification and credit review. **Not all financial institutions are supported. Learn more here: https://support.waveapps.com/hc/en-us/articles/115005541303-Understanding-bank-connections Privacy: https://www.waveapps.com/legal/privacy-policy Terms of Use: https://www.waveapps.com/legal/terms-of-use Terms of Service: https://www.waveapps.com/legal/legal-disclosures

Screenshots

Zoho Invoice Maker App4 screens
Wave4 screens

Verdict

The call

The clearest difference is review sentiment: Zoho Invoice Maker App at 91% against Wave's 29%. Zoho Invoice Maker App also leads on rating (4.9 vs 4.4) and monetization model (free vs free with in-app purchases). Wave's advantage is chart position (#53 vs unranked). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Zoho Invoice Maker App sells 10 in-app purchases, starting at $6.99 per month and Wave sells 4 in-app purchases, starting at $8.00 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Zoho Invoice Maker App holds the better App Store score, 4.9 against 4.4. Both are backed by a comparable volume of ratings — 14K and 6.6K respectively. Written reviews point the same way: 91% of Zoho Invoice Maker App's written reviews are positive against 29% of Wave's.

UpkeepUpdate frequency

Zoho Invoice Maker App ships an update every 2 weeks, Wave every 3 weeks. The most recent releases landed on September 27, 2026 and September 25, 2026 respectively.

Scorecard5 real differences · 6 level
Zoho Invoice Maker App versus Wave: the parameters behind the verdict, then further details
ParameterZoho Invoice Maker AppWave
PriceFreeFree
Rating4.9 (14K ratings) — better4.4 (6.6K ratings)
Positive reviews90.7% of reviews — better29.4% of reviews
Number of ratings14K — better6.6K
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFree — betterFree with in-app purchases
Best chart rank—#53 — better
DevicesiPhone, iPad, Apple TV, Apple Watch — betteriPhone
Requires iOS16.0 — better16.4
Further details — not scored
Size392 MB128 MB
Age rating4+17+
DeveloperZoho CorporationWave Financial Inc

Customer experience

Zoho Invoice Maker App

All ratings14,448 ratings
Positive97.8%
Neutral1.1%
Negative1.2%
Written reviews686 reviews
Positive90.7%
Neutral1.7%
Negative7.6%

Wave

All ratings6,644 ratings
Positive84.7%
Neutral3.3%
Negative12.0%
Written reviews371 reviews
Positive29.4%
Neutral9.4%
Negative61.2%

User reviews

Zoho Invoice Maker App

From 14K App Store ratings

What we love

  • 👍 User-friendly
  • 🚀 Easy to use
  • 💰 Free app
  • ⭐ Excellent functionality
  • 🔧 Customizable templates

Room to improve

  • 🐛 Occasional bugs and glitches
  • 🔍 Limited customization options
  • 🔒 Security concerns with account access
  • 💻 Requires internet connection
  • 📁 Difficulty managing contacts and expenses

Wave

From 6.6K App Store ratings

What we love

  • 🚀 Easy to use
  • 🚀 Professional invoicing
  • 🚀 Great for small businesses
  • 👍 Convenient mobile app
  • 🚀 Seamless integration between devices

Room to improve

  • 🐛 Buggy app with crashes
  • 🔒 Poor customer service and support
  • 💰 Expensive payment processing fees
  • 🔒 Unreliable payouts and fund holds
  • 🐛 Missing key features in mobile app

Bugs and requests

Zoho Invoice Maker App

Reported bugs

4 issues
  • Invoices not sending to clients
  • Inability to edit or delete saved contacts
  • Timesheet entries not syncing properly
  • Recurring invoice issues

Requested features

5 requests
  • Offline mode for invoicing
  • Advanced expense tracking and categorization
  • Bulk invoice management and emailing
  • Integration with accounting software
  • Customizable invoice templates and branding

Wave

Reported bugs

5 issues
  • App crashes when trying to edit invoices
  • Inability to view past transactions in mobile app
  • Inconsistent behavior when connecting bank accounts
  • Incorrect tax calculations and reporting issues
  • Delayed or missing payments from customers

Requested features

5 requests
  • Add dark mode option
  • Improve mobile app functionality
  • Integrate with more third-party services
  • Provide better customer support channels
  • Add more customization options for invoices

In-app purchases

10 purchases

Zoho Invoice Maker App

Subscriptions10
  • Basic - Monthly$6.991 Month
  • Basic Plan - Monthly$10.991 Month
  • Standard - Monthly$14.991 Month
Show 7 more
  • Standard Plan - Monthly$21.991 Month
  • Professional - Monthly$29.991 Month
  • Professional Plan - Monthly$32.991 Month
  • Basic - Yearly$69.991 Year
  • Basic Plan - Yearly$107.991 Year
  • Standard - Yearly$149.991 Year
  • Standard Plan - Yearly$229.991 Year
4 purchases

Wave

Subscriptions4
  • Mobile receipts - Monthly$8.001 Month
  • Pro Plan - Monthly$19.001 Month
  • Mobile receipts - Annual$72.001 Year
Show 1 more
  • Pro Plan - Annual$190.001 Year

Questions

Is Zoho Invoice Maker App free?
Zoho Invoice Maker App is free to download, with in-app purchases available.
Is Wave free?
Wave is free to download, with in-app purchases available.
Which has better reviews, Zoho Invoice Maker App or Wave?
Zoho Invoice Maker App is rated higher. Zoho Invoice Maker App averages 4.9 out of 5 from 14K ratings, while Wave averages 4.4 from 6.6K ratings.
Do Zoho Invoice Maker App or Wave have ads?
Neither Zoho Invoice Maker App nor Wave shows ads.
Which is updated more often, Zoho Invoice Maker App or Wave?
Zoho Invoice Maker App ships an update every 2 weeks, and Wave every 3 weeks. Most recently, Zoho Invoice Maker App was updated on September 27, 2026 and Wave on September 25, 2026.

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