Choose comma for a Canadian corporation that wants AI working inside real double-entry books, with a person approving. Choose Wave for a free plan with invoicing, card payments and payroll.
Start your trialDifferent jobs The detail is below
comma is double-entry books for Canadian corporations. AI arrives two ways: your own Claude or ChatGPT through comma’s official connector, and a built-in AI bookkeeper on Pro and Premium.
Either one proposes. Nothing posts until a person reviews it. There is no chat inside the app.
Wave is free or low-cost invoicing and bookkeeping for solo owners and micro-businesses, with a free Starter plan, online payments and a payroll add-on.
On Pro, Wave categorizes bank-imported transactions by itself once every 24 hours and writes the category directly.
Nine rows. Where we could not find something in Wave’s documentation, the cell says so instead of guessing.
| comma | Wave | |
|---|---|---|
| AI assistant | comma Your own assistant, plus a built-in AI bookkeeper There is no chat inside the web app. Connect Claude or ChatGPT to answer from live reports, draft, and make real changes with your role, asking you first, each audited under your name with an AI marker. The AI bookkeeper (Pro and Premium) attaches receipts and proposes categories, transfers and matches. It never posts. AI receipt reading is Premium. | Wave Automatic categorizing and receipt reading Automation found on Wave’s pages: auto-categorization and duplicate merging of bank-imported transactions (Pro), and receipt reading. Not found in their docs: a conversational assistant that answers questions about the books, drafts or posts. |
| MCP / AI connector | comma 190 tools: 91 read, 99 write An official remote MCP server for Claude, ChatGPT and any compatible client, with one-click authorize, revocable in Settings. Read-only on Basic; read and write on Pro and Premium. 77 of the write tools ask you to confirm first.
It records payments and never moves money. Bank linking, people and roles, billing and permanent delete stay in the browser. | Wave Third-party and community MCP servers Third-party and community MCP servers exist, built on Wave’s GraphQL API (for example AnythingMCP, CData and open-source servers). Tool counts vary by provider. None is published by Wave. Not found in their docs: an official MCP server, or a Claude or ChatGPT connector, published by Wave. |
| Automatic AI transaction handling | comma AI proposes. A person’s review books. There is no rules engine and nothing posts on its own. On Pro and Premium the AI bookkeeper gives each unreviewed bank line a category, or a transfer or match proposal, marked as AI. Rows wait in a review queue, and ticking review is what books the entry. On Basic you categorize by hand or through your connected assistant. | Wave Categorized automatically every 24 hours, on Pro Once every 24 hours Wave categorizes bank-imported transactions from the description and your past activity, after it has learned from your manual categorizing, and merges certain duplicates. It writes the category directly. Changes are highlighted on the Transactions page, auto-updates cannot be turned off, and no approval queue is described. Statement uploads are not auto-categorized. Not found in their docs: user-defined rules, transfer or match detection. |
| Email inbox receipt matching | comma Searches your Gmail or Outlook for the receipt On Premium, connect Gmail, Outlook or both, read-only. The AI bookkeeper or your assistant searches by sender, terms and dates, and imports PDF and image attachments into the receipt inbox. The AI attaches the receipt to a transaction, and that attachment waits for a person to confirm or detach. Emails with no attachment are left for a person. There is no forward-to-email address. | Wave Forward each receipt to a Wave address You forward receipts to a unique Wave address, one receipt per email; the address cannot be changed once saved. Forwarding creates a transaction with the receipt attached. It needs Pro or the Receipts subscription. “Advanced receipt matching” is listed as a Pro feature. Not found in their docs: how advanced receipt matching works, whether the Receipts plan includes it, search of a connected Gmail or Outlook inbox. |
| iOS app | comma iPhone and iPad app, listing not confirmed A native iPhone and iPad app that needs iOS 27. It reviews bank lines, captures receipts with the camera, and handles invoices, bills, statements and reconciliation. We have not confirmed its public store listing as of the checked date, so check availability first. Plans and billing are web only. There is no Android app. | Wave On the App Store as “Wave: Small Business Software” Invoices, estimates and receipt scanning. Receipt scanning needs a Receipts or Pro subscription. Not found in their docs: iPad support, minimum iOS version, mobile bank review and reports, a confirmed rating. |
| Multiple companies | comma Several companies on one billing account Each company has its own ledger, currency, roles and audit trail, with a fast switcher. Every plan includes one company; each extra company is a paid add-on. Intercompany checks are Premium. There are no consolidated financial statements. | Wave One subscription per business One account can hold multiple business profiles. Pro is charged per business, so each business needs its own subscription. Not found in their docs: consolidated reporting. |
| Canada | comma Built for Canadian corporations GST/HST tracked on documents, a GST/HST return worksheet (regular method only), remittance recorded, and GIFI account mapping for your accountant’s year-end handoff. Books in CAD, with USD bank and card accounts on Pro and Premium. Canadian bank feeds only. comma never files with the CRA. | Wave CAD pricing, and Canadian payroll CAD pricing for Pro and Receipts, and Canadian payroll priced in CAD. Not found in their docs: a sales tax report, province coverage, T4 support, the bank feed provider, CRA return filing. |
| Other features | comma Core books, with no inventory or projects Invoices, credit notes, customer statements, reminders, bills and vendors, journals, bank reconciliation, reports, aging, CSV exports, audit log and year close. Four roles, and invited users pay nothing. Not in comma: inventory, projects, time tracking, quotes, recurring invoices, online payment collection on invoices, an app marketplace. | Wave Free plan, online payments, a payroll add-on A free Starter plan with invoicing and accounting, online payments, a payroll add-on, Wave Advisors bookkeeping help, recurring billing and a GraphQL API. Not found in their docs: inventory, projects, time tracking, user limits by plan (not re-confirmed in this check). |
| Pricing | comma Per company, not per user
CAD a month, or billed annually. Taxes extra. One company included; extra companies are an add-on priced by plan. No free plan; the trial needs a card. If a subscription lapses, the books become read-only and exportable, not deleted. | Wave Free Starter plan, Pro per business
Canadian prices per business, from Wave’s help centre. List prices as shown on their pages on 10 November 2026. Prices change, so confirm on the live page. US prices on the same pages: Pro US$19 a month or US$190 a year; Receipts US$8 a month or US$72 a year. Canadian payroll also charges CA$6 per contractor paid. Some Wave pages still show older Pro prices (US$16 and CA$20), so Wave’s own pages disagree. Promotions are excluded. Not found in their docs: the Wave Advisors price (Wave’s pages conflict), payment processing fees (not re-confirmed). |
Your assistant wants to use comma
comma_invoice_send
Invoice INV-0042 · Northwind Supply
$4,200.00 CAD · due in 30 days
91
read tools
99
write tools
77
ask first
Dashedproposed by AISolidbooked
Connected mailbox · read-only
billing@northwindhosting.example
Your March receipt · receipt-0312.pdf
Northwind Hosting
12 Mar · read by AI
This page is comma’s perspective. Verify before you decide. Wave claims and list prices were checked on 10 November 2026. They come from search-result summaries of Wave’s own pages; we could not open waveapps.com, the Wave help centre or the App Store page directly in that check, so treat every Wave detail as a pointer and confirm it at the source. The MCP links are third parties, not Wave.