Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
Chase Payment Solutions and Merchant Services
Payment Processor · 3.8/5 mean
Chase Payment Solutions is the merchant services arm of the #1 US bank, offering small and mid-sized businesses a deeply integrated combination of payment processing, same-day deposits, and banking tools. They're backed by the trust and scale of JPMorgan Chase but with flat-rate fees that may not suit high-volume merchants.
Read the full review →Stax
Payment Processor · 4.0/5 mean
Stax is a payments technology company founded in 2014 that partners with SaaS companies, ISOs, and SMBs to enable flexible, multi-channel payment processing and invoicing solutions, claiming a distinctive subscription-based pricing model with 0% interchange markup.
Read the full review →Stax holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026 and September 2, 2026.
| Criterion | Chase Payment Solutions and Merchant Services | Stax |
|---|---|---|
| Pricing transparency | 3.0 | 4.0wins this criterion |
| Feature set | 4.0 | 5.0wins this criterion |
| Ease of use | 4.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | Chase Payment Solutions and Merchant Services | Stax |
|---|---|---|
| Online rate | 2.9% + $0.25 per transaction | $0.15 per transaction (flat, no % markup) |
| Monthly fee | $0 (basic plan; Chase Business Complete Banking may have separate monthly fee waivable with $2,000/month in payments) | $99–$199+/month (depending on subscription tier) |
| Payout | Next business day for deposits to non-Chase bank accounts | Next business day |
| Contract | Month-to-month plans. Free terminal plans may require 2 year service agreement. | month-to-month subscription |
| In-person rate | 2.6% + $0.10 per transaction | $0.08 per transaction (flat, no % markup) |
| Keyed rate | 3.5% + $0.10 per transaction |
From the Chase Payment Solutions and Merchant Services review
Stax charges a fixed subscription with 0% markup on interchange, which can beat Chase Payment Solutions' mid-pack flat rates once volume is high enough to absorb the monthly fee. Chase holds up for smaller merchants, since its basic plan carries no monthly fee while Stax's fixed fees start at $99 or more.
Pick Stax if you process high monthly volume and prefer subscription pricing with zero interchange markup
Ideal for
Not recommended for
Ideal for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| 4.0 |
| Customer support | 3.0 | 3.0 |
|---|
| Contract terms | 4.0 | 4.0 |
|---|
| Industry reputation | 5.0wins this criterion | 4.0 |
|---|
| $0.15 per transaction |
| International rate | Dynamic Currency Conversion available; custom rates apply | Not publicly specified |
|---|
| PCI fee | Not publicly listed | Not on Stax's published rate card; $10/month is third-party reporting |
|---|
| Statement fee | Not publicly listed | Not disclosed |
|---|
| Chargeback fee | $25 to $100 per incident | Not on Stax's published rate card; chargeback protection is offered as an add-on at an unpublished price |
|---|
| Early termination | $0 for month-to-month accounts; applicable if free hardware accepted under 2-year contract | None (month-to-month; 30 days written notice required to cancel) |
|---|
| Last fact-checked | August 19, 2026 | September 2, 2026 |
|---|
Not recommended for