SurePayroll vs Wave
A head-to-head comparison to help you pick the right tool
Last updated: September 14, 2026
SurePayroll is our recommended pick for most teams — small businesses with under 100 employees looking for simple, affordable full-service payroll.
Try SurePayroll →Read our full SurePayroll review →SurePayroll
SurePayroll is an online payroll service designed specifically for small businesses. It is owned by Paychex and offers full-service payroll processing, automatic tax filing, and employee self-service tools. SurePayroll is known for its simple setup and affordable pricing, making it a top choice for small business owners running payroll for the first time.
Wave
Wave is a free accounting and invoicing platform designed for small businesses, freelancers, and solopreneurs. It offers genuinely free accounting, invoicing, and receipt scanning with no subscription fee. Wave makes money through payment processing and payroll add-ons. It is one of the best free accounting tools available for very small businesses with simple needs.
Pros
- ✓Very easy to set up and use — ideal for first-time payroll users
- ✓Automatic federal, state, and local tax filing included
- ✓Affordable flat-rate pricing for small teams
- ✓Strong mobile app for running payroll on the go
Cons
- ✗Limited features for larger or more complex businesses
- ✗Customer support can be slow during peak periods
- ✗Less customizable than enterprise payroll solutions
Pros
- ✓Genuinely free accounting and invoicing — no subscription required
- ✓Clean and easy to use interface
- ✓Good enough for most very small businesses and freelancers
- ✓Receipt scanning and bank connections included free
Cons
- ✗Limited features compared to paid alternatives
- ✗Customer support is minimal on the free plan
- ✗Not suitable for growing businesses with complex needs
- ✗Payroll and payment processing add-ons can add up in cost
SurePayroll vs Wave: Side by Side
| Factor | SurePayroll | Wave |
|---|---|---|
| User Rating | 4.4/5 ★ | N/A |
| Category | Payroll Software | Accounting Software |
| Pricing Model | Paid | Freemium |
| Starting Price | Custom pricing | Free |
| Best For | Small businesses with under 100 employees looking for simple, affordable full-service payroll | Solopreneurs and very small businesses wanting free accounting and invoicing software |
| Our Pick | 🏆 Recommended | — |
SurePayroll Features
- ✓Full-service payroll processing
- ✓automatic tax filing
- ✓direct deposit
- ✓employee self-service portal
- ✓new hire reporting
- ✓workers compensation integration
- ✓mobile app
Wave Features
- ✓Free accounting
- ✓invoicing
- ✓receipt scanning
- ✓bank connections
- ✓financial reporting
- ✓payments processing
- ✓payroll add-on
- ✓mobile app
Pricing Comparison
Best Use Cases
SurePayroll
- →Small US businesses running payroll for a handful of employees
- →Self-employed individuals paying themselves and contractors
- →Companies wanting simple automated payroll at low cost
Who Should NOT Use These Tools
SurePayroll is NOT ideal for:
- ✗Companies with international employees
- ✗Businesses needing full HR management
- ✗Large companies with complex payroll requirements
Integrations
SurePayroll
QuickBooks, Xero, AccountEdge, Sage
Our Take
Choose SurePayroll if small businesses with under 100 employees looking for simple, affordable full-service payroll. Choose Wave if solopreneurs and very small businesses wanting free accounting and invoicing software.
Best For
Small businesses with under 100 employees looking for simple, affordable full-service payroll
Best For
Solopreneurs and very small businesses wanting free accounting and invoicing software
Also Consider
If neither SurePayroll nor Wave is the right fit, Multiplier is worth evaluating.
Multiplier
Startups and SMBs hiring internationally on a budget
From $40/contractor/mo
Frequently Asked Questions
What is the difference between SurePayroll and Wave?
SurePayroll is best for small businesses with under 100 employees looking for simple, affordable full-service payroll. Wave is best for solopreneurs and very small businesses wanting free accounting and invoicing software.
Which is better, SurePayroll or Wave?
Choose SurePayroll if small businesses with under 100 employees looking for simple, affordable full-service payroll. Choose Wave if solopreneurs and very small businesses wanting free accounting and invoicing software.
How much does SurePayroll cost?
SurePayroll starts at Custom pricing. Pricing model: Paid.
How much does Wave cost?
Wave starts at Free. Pricing model: Freemium.
Who should use SurePayroll?
Small businesses with under 100 employees looking for simple, affordable full-service payroll
Who should use Wave?
Solopreneurs and very small businesses wanting free accounting and invoicing software