Wave makes integrated cloud and mobile apps for small business finances. As at June 2014, Wave manages $50+ billion in income and expenses for 2 million users; and its customers send $5 billion in invoices per year. Waves target customers are consultants, freelancers, contractors and small (micro) businesses with 0-9 employees.Wave currently serves customers in more than 200 countries around the world. Wave's core software, and the product they launched with in 2010, is Accounting by Wave. 100% free (ad supported) full double-entry accounting app automated bank data importing standard accounting reports (Balance Sheet; General Ledger; A/R and A/P; and others) Other modules in the integrated Wave webapp include:Invoicing by Wave: 100% free (ad supported) unlimited, customizable invoices reminders, recurring invoices, estimates and morePayments by Wave: credit card processing, used both as an integration with Invoices by Wave, and as a stand-alone credit card functionality via iPhone app available in U.S., Canada, U.K., Ireland, Australia and other countries partnership with StripePayroll by Wave: available in North America designed for small/micro businesses $5 per month, plus $4 per employee; includes direct deposit in Canada, fees include remittances to CRA (government tax department)Receipts by Wave: free receipt scanning tools web app as well as mobile apps for iOS and Android scanned receipts flow directly into Accounting by WavePersonal by Wave: free personal finance tools integrates with business accounting tools, so that entrepreneurs and business owners can properly manage transactions and bank accounts that straddle personal and businessMobile apps:Invoice (launched June 2014), Payments, Receipts and Payroll are all available for iPhone. Receipts is also available for Android.Waves tools are built to support collaboration by business partners and financial advisors (accountants, bookkeepers, etc.). With the exception of Payroll, all tools are customizable for any country, currency and sales tax structure.