Zervant vs Wave
Last updated October 2026
Looking for a European alternative to Wave? Here's how Zervant compares, on EU hosting, GDPR and what it does.
Our pick for a European buyer: Zervant. We weight data residency, GDPR and EU jurisdiction above everything else — that is the constraint this directory exists to solve.
What it is
Simple invoicing and billing for freelancers and small businesses
Free accounting, invoicing, and receipt scanning for small businesses.
Headquarters
🇫🇮 FI
🇨🇦 CA · 2010
EU data residency
Yes, for all customers
Not offered
DSGVO / GDPR
Yes
Yes
Certifications
No
No
Price from
€9.99/mo
$16/mo
Free plan
Yes
Yes
Open Source
No
No
Ratings
Integrations
Stripe
Shopify, Etsy, PayPal, Stripe, Square +1
Where each one wins
Zervant
Strengths
- +Intuitive interface and clean design for easy navigation
- +Straightforward setup with guided assistance
- +Simple and efficient invoice and quote creation
- +Tracks sent, paid, and overdue invoices effectively
- +Supports multiple payment methods (credit/debit cards, PayPal, bank transfers)
- +Reliable invoice and payment processing with low spam classification
- +Quick onboarding from sign-up to invoicing in minutes
- +Free version offers good value for freelancers and small businesses
Limitations
- −Free version limits customers to 10–30, requiring an upgrade for larger client bases
- −Invoice templates are basic with minimal customization options
- −Occasional VAT/TAX calculation issues reported by users
Wave
Strengths
- +User-friendly interface for non-accountants
- +Free plan covers essential features
- +Good mobile app experience
- +Reliable customer support
Limitations
- −Limited advanced accounting features
- −No EU data residency
- −Payroll only available in certain regions
- −Ads in free plan
Data residency & compliance
Zervant
Wave
EU data residency
Yes, for all customers
Not offered
Transfer mechanism
Not required — data stays in the EU
not established
Certifications
No
No
Pricing
Zervant
- Free €0 per monthUnlimited invoices to 5 customers · 5 invoices per month by email or PDF · No premium deliveries
- Starter €9.99 per month (billed annually)30 customers · Unlimited invoices · 3 premium deliveries
- Pro €17.99 per month (billed annually)Unlimited customers and invoices · 10 premium deliveries · Recurring invoices, down payments, payment schedules
- Growth €41.99 per month (billed annually)Unlimited customers and invoices · 30 premium deliveries · All Pro features with higher limits
Prices exclude VAT and may vary by country. 14-day free trial for premium plans.
Wave
- Free Free ForeverUnlimited invoices and estimates · Unlimited expense tracking · Unlimited receipt scanning
- Pro $16 MonthlyAll Free features · Unlimited credit card and bank connections · Automated expense categorization
- Payroll $40 MonthlyFull-service payroll · Tax calculations and filings · Direct deposit
- Advisors On request MonthlyAccess to bookkeeping and accounting coaches · On-demand support · Customized advice
Payroll and Advisors plans require a base fee plus an additional per-employee or per-contractor fee.
Features
Zervant
- Invoicing and estimates
- Create, send, and manage invoices and estimates online, Convert accepted estimates into invoices automatically, Send invoices via email, PDF, e-invoice, or post (premium deliveries), Track invoice statuses in real time
- Time and payment management
- Track time and transfer to invoices, Set down payments on invoices, Send automated payment reminders, Accept online payments via card and bank transfer (pay-per-use)
- Reporting and support
- Generate financial reports for income and business development, Access support in five languages, Use the free mobile app for invoicing on the go
- Banking and integrations
- Connect bank accounts for payment reconciliation (higher plans), Process online card payments via Stripe (Visa, Mastercard, American Express)
Wave
- Accounting
- Track income and expenses, Manage multiple businesses, Generate financial reports, Bank reconciliation
- Invoicing
- Create and send professional invoices, Automate recurring invoices, Track invoice status, Accept credit card payments
- Receipts
- Scan and upload receipts, Match receipts to transactions, Store receipts digitally, Export receipt data
- Payroll
- Calculate payroll taxes, Direct deposit for employees, Generate pay stubs, Track employee hours