They're ok for recurring monthly invoices that you run through credit card. I use Intuit Merchant Servics for ACH (traditional checking account + routing id). I

They're ok for recurring monthly invoices that you run through credit card. I use Intuit Merchant Servics for ACH (traditional checking account + routing id). It's only $.50 per transaction. As I said my caveat is they count your transaction twice (once for your invoice and again when Wave deposits $ into your account). The 'description' is pretty obvious and you just need to delete it manually. I gripe every time I delete such a large transaction. If you use like square for your monthly credit card, then of course Wave's bookkeeping will just count the transaction once...the deposit into your bank from Wave. But at this point, Wave isn't making money off me and I feel a little guilty...but that's their fault. Their invoicing is simple to use so i'll stick with it, for now. The bookkeeping...besides mint, I don't have any other experience with bookkeeping. I will look more into Quickbooks, though. Business is growing and need to make everything simple.