BillRyt vs Wave — a free plan that works worldwide
Wave offers free accounting and invoicing, but its online payments work only in the US and Canada. BillRyt is free to start anywhere, collects via Stripe and Paystack on one invoice, and is built for African and global markets from day one. Here's how they compare.
Side-by-Side Comparison
| Feature | Wave | BillRyt |
|---|---|---|
| Built-in accounting | Free double-entry books (US/Canada focused) | Double-entry ledger on Agency/Merchant — P&L, Balance Sheet, Cash Flow, AP & VAT |
| Free plan | Yes (limited regions for payments) | Yes — 12 documents/month globally |
| Paystack | Not supported | Native integration |
| African markets | Not designed for Africa | Built for Africa from day one |
| Multi-currency | Limited | 100+ currencies, full support |
| Stripe + Paystack together | No | Yes — unique dual-gateway feature |
| Mobile app | Available | Available (Android first) |
BillRyt on its own — or alongside Wave
Wave's edge has always been free double-entry accounting — but it's US/Canada-focused, has no Paystack, and limited multi-currency. BillRyt now closes that gap: Agency and Merchant include a real double-entry ledger (P&L, Balance Sheet, Cash Flow, accounts payable and VAT) built automatically from your invoicing — so you get the books and the global billing, payments and Paystack that Wave lacks, in one place. The free plan still gives you 12 documents a month in any country.
For many small businesses, BillRyt is the whole stack — billing, payments, and books in one place. Need heavier payroll or tax filing? Run Wave alongside it and export your BillRyt data whenever you like.
How They Compare in Detail
Wave's free plan is for US and Canadian businesses. BillRyt's free plan works globally — including all African markets with Paystack.
Use BillRyt if you:
- ✓Want professional billing without complexity
- ✓Need Paystack for African clients
- ✓Want to start free
- ✓Have clients who pay via M-Pesa or mobile money
- ✓Bill internationally and locally from one account
Keep using Wave if you:
- →Already have an established workflow you like
- →Need full accounting features
- →Your accountant specifically requires it
- →You are US/Canada only and do not need African payments
Frequently Asked Questions
Does Wave support Paystack?
Wave does not have native Paystack integration. BillRyt supports Paystack natively alongside Stripe.
Is BillRyt free like Wave?
BillRyt has a free plan with 12 documents per month. Paid plans from $19/month unlock unlimited invoicing.
Which is better for African businesses — BillRyt or Wave?
BillRyt. It has native Paystack integration, African currency support, and was designed with African markets in mind.
A full merchant toolkit — bundled in, not bolted on
Sell physical products, not just services? BillRyt's Merchant plan turns your invoicing into a lightweight inventory and trade-documents system — included at one price, not a separate product, a higher accounting tier, or a paid add-on.
Product catalogue
Reusable products with photos and barcodes, dropped into any invoice, quote, or packing list.
Live stock tracking
Deducts automatically when you send an invoice or ship — never on payment, and never twice.
Valuation, margin & turnover
Inventory value at cost and retail, gross margin, dead stock, and best sellers at a glance.
Low-stock & reorder alerts
Reorder levels, days-of-cover and stockout-risk flags — plus a low-stock email digest.
Packing lists
Generate a warehouse-ready packing list from any invoice or proforma in one click.
International shipping docs
Incoterms, HS codes, ports, carrier and weights — the paperwork cross-border orders need.
Barcode scan-to-search
Look products up by scanning their barcode with your phone camera, right in the browser.
Bulk import & export
Import your catalogue or a stock-take by CSV; export products, stock and movements to CSV/Excel.