618 E South St, Suite 510, Orlando, FL 32801Fact-checked August 19, 2026
Stax Review
BStax 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.
- Rate from
- $0.15 per transaction (flat, no % markup)
- Monthly
- $99–$199+/month (depending on subscription tier)
- Payout
- Next business day
- Contract
- month-to-month subscription
- Support
- 24_7
Connect with Stax
Tell them what you need. This goes to Stax only.
Best for
Businesses processing $10,000+/month — especially ecommerce, professional services (medical, dental, legal), field services, and SaaS companies that want embedded payments — where the fixed subscription spreads thin and the interchange savings compound.
How it scores
Pricing4.0
Features5.0
Ease of use4.0
Support3.0
Contract4.0
Reputation score4.0
The takeB
Stax's subscription-plus-interchange model is the real thing: at sufficient volume, paying $99-$199 a month with 0% interchange markup and cents-per-transaction fees genuinely undercuts flat-rate processors, and the month-to-month terms mean you're not trapped if it doesn't. The trade-offs are a volume floor below which the math flips against you, and a pattern of billing-change complaints that makes statement-watching part of the deal.
Skip if you
Process under $5,000/month, sell occasionally, operate in a high-risk industry like CBD, gambling, firearms, or collections, or are a sole proprietor for whom $99+ in fixed monthly fees would exceed the markup savings.
Chapter 1
Should you choose Stax?
The headline take, the audiences it's right (and wrong) for, and the genuine differentiators behind the verdict.
About
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.
Pros, cons, and audience
Best for
- Midsize and larger businesses, particularly eCommerce businesses processing upwards of $10K/month.
- Professional services (medical, dental, legal), field services, retail, and SaaS companies seeking embedded payments.
Skip it if you
- High-risk industries such as CBD, online gambling, firearms, or collection agencies.
- Very low-volume businesses processing under $5,000/month
- Occasional sellers
- Sole proprietors who would find the monthly fees outweigh the savings
Pros
- 0% markup on interchange — you pay direct cost plus a fixed subscription, not a percentage margin
- Month-to-month service with no long-term contract and no early termination fee
- All-in-one platform: invoicing, recurring billing, ACH, virtual terminal, and mobile payments included in every tier
- Full API with webhooks and SDKs, plus integrations with QuickBooks, Salesforce, Shopify, WooCommerce, BigCommerce, and 7,000+ apps via Zapier
- Next business day funding as standard
Cons
- Fixed monthly fees of $99+ make it uneconomical for low-volume merchants, especially under $5,000/month
- Billing disputes and unexpected rate or fee changes are cited across multiple review platforms
- Cancellation takes 30 days' notice plus signed closure paperwork, and some merchants report held funds during risk reviews with poor communication
- Not available to high-risk industries, and a $10/month PCI fee applies on top of the subscription
What makes them different
The genuine differentiator
The pricing model itself. Stax charges a flat monthly subscription tiered by volume ($99-$199+) and passes interchange through at direct cost with 0% markup, adding only $0.08-$0.15 per transaction — so its revenue doesn't scale with your processing volume the way a percentage-markup processor's does.
How we score it
4
Pricing Transparency
5
Feature Set
4
Ease of Use
3
Customer Support
4
Contract Terms
4
Industry Reputation
Chapter 2
What it costs
Real-world cost at three volumes, plus the rates, fees, payouts, and contract terms that drive them.
What Stax actually costs
Estimated annual cost at three realistic processing volumes, using Stax’s published online rate plus monthly fees. Real costs vary with average transaction size, chargeback rate, and any negotiated terms.
Small business
$10K/mo volume · ~$75 avg transaction
$4.9K/year
≈ $409/mo · 4.09% effective rate
Growing merchant
$50K/mo volume · ~$100 avg transaction
$19K/year
≈ $1.6K/mo · 3.25% effective rate
High volume
$250K/mo volume · ~$150 avg transaction
$91K/year
≈ $7.6K/mo · 3.04% effective rate
Pricing details
How Stax pricing works
Stax inverts the usual processing model. Instead of marking up every transaction by a percentage, it charges a flat monthly subscription tiered by your annual processing volume and passes interchange — the card networks' wholesale cost — through at direct cost with 0% markup. The only per-transaction charges are fixed cents: $0.08 in person, $0.15 keyed or online. In effect, you're buying processing at wholesale and paying a membership fee for access.
The subscription math
Because the subscription is fixed, the economics hinge on volume. The fee is the same whether you process a little or a lot, so every additional dollar of volume is processed at interchange plus cents — the percentage a markup-based processor would take simply never gets charged. That's the whole pitch, and it's why Stax targets businesses processing upwards of $10,000 a month. Run the same math at low volume and it flips: under roughly $5,000 a month, the $99+ subscription and $10 PCI fee cost more than the markup you're avoiding, which is why Stax itself is a poor fit for occasional sellers and very small merchants.
Published rates and fees
- Subscription: $99/mo (up to $150K/yr volume), $139/mo ($150K-$250K/yr), $199+/mo ($250K+/yr)
- Interchange markup: 0% — direct cost pass-through
- Card-present: $0.08 per transaction; keyed/online: $0.15 per transaction
- ACH: 1% per transaction, capped at $10
- PCI compliance: $10/mo
- Optional: chargeback protection $25 per chargeback; terminal protection $19/mo
- Funding: next business day
- Contract: month-to-month, no early termination fee; 30 days' written notice and signed closure paperwork to cancel
What to pin down before you sign
Confirm which volume tier you'll be placed in and what happens to the subscription price if your volume grows past a threshold mid-year. Get the complete fee schedule in writing — the recurring complaints about Stax across review platforms concern billing changes, rate disputes, and services merchants say they didn't authorize, so reconcile your first few statements against the quote. Finally, if your business has any high-risk exposure, ask underwriting directly before migrating: Stax doesn't serve high-risk industries, and some merchants report funds held during risk reviews with poor communication.
Processing Rates
Online Transactions
Card-not-present, e-commerce, and online payments
$0.15 per transaction (flat, no % markup)
Per transaction
In-Person Transactions
Card-present retail and point-of-sale transactions
$0.08 per transaction (flat, no % markup)
Per transaction
Keyed Transactions
Manually entered card-not-present transactions
$0.15 per transaction
Per transaction
International Transactions
Cross-border and foreign currency transactions
Not publicly specified
Per transaction
Fees
Monthly Fee
$99–$199+/month (depending on subscription tier)
Recurring monthly account fee
PCI Compliance Fee
$10/month
Annual PCI DSS compliance and security fee
Statement Fee
Not publicly disclosed
Monthly account statement and reporting fee
Chargeback Fee
$25 per chargeback (optional chargeback protection add-on)
Per-incident chargeback dispute fee
Early Termination Fee
None (month-to-month; 30 days written notice required to cancel)
Fee for canceling before contract end
Payouts
Standard Payout Time
Next business day
Regular deposit schedule to your bank account
Expedited Payout Time
Not advertised
Faster deposit option (may have additional fees)
Minimum Payout Amount
Not publicly specified
Minimum balance required before payout
Contract Terms
Flexible Contract Terms
This provider offers month-to-month terms with no long-term commitment.
Contract Length
Required commitment period
month-to-month subscription
Cancellation Process
How to terminate your account
Requires 30 days' notice before canceling
Stax Pricing Calculator
Estimate your monthly costs
Pick a published plan, enter your volume and transaction profile, and we’ll compute the math the same way an underwriter would. Real costs vary with card mix, chargeback rate, and any negotiated terms.
$
$
Estimated Monthly Cost
$129.00
Effective Rate
1.29%
Per-transaction fees ($0.15 × 200)$30.00
Monthly fee$99.00
Number of transactions200
Flat all-in rate (interchange built in)
Chapter 3
What you actually get
Products, integrations, payment-type coverage, security posture, and how their support holds up in practice.
Products & Services
PAYMENT PROCESSING
Stax Pay (Subscription Processing)
$99/mo (up to $150K/yr), $139/mo ($150K-$250K/yr), $199+/mo ($250K+/yr); $0.08 per card-present and $0.15 per card-not-present transaction; 0% interchange markup
Core merchant account with subscription pricing tiered by annual volume and interchange passed through at direct cost.
Key Features
- Next business day funding
- Fraud protection and in-house support included
INVOICING
Invoicing & Recurring Billing
Unlimited invoicing, recurring billing, and subscription management included in every subscription tier.
ACH
ACH Processing
1% per transaction, capped at $10
Bank-transfer payments alongside card processing.
VIRTUAL TERMINAL
Virtual Terminal & Mobile Payments
Browser-based keyed payments plus mobile acceptance, included in the subscription rather than sold separately.
GATEWAY
Developer API & Integrations
Full payments API for SaaS companies and ISVs embedding payments.
Key Features
- Webhooks, JavaScript and Python SDKs, iOS/Android SDKs
- QuickBooks, Salesforce, Keap, HubSpot, Shopify, WooCommerce, BigCommerce; 7,000+ apps via Zapier
Special Features
Subscription Management
Manage recurring subscriptions and billing cycles
Supported
Invoicing
Create and send professional invoices
Supported
Marketplace Tools
Multi-vendor marketplace functionality
Supported
Virtual Terminal
Accept payments manually via web interface
Supported
Recurring Billing
Automated recurring payment processing
Supported
Multi-Currency Support
Accept and process multiple currencies
Not Available
Accepted Payment Types
Credit & Debit Cards
Visa
Mastercard
American Express
Discover
Digital Wallets
Apple Pay
Google Pay
Bank Transfers
ACH processing available at 1% per transaction, capped at $10
Integrations
E-commerce Platforms
Compatible shopping cart and online store platforms
BigCommerceShopifyWooCommerce
3 integrations available
Accounting Software
Sync transactions with your accounting tools
QuickBooks
1 integration available
CRM Systems
Connect with customer relationship management platforms
KeapSalesforceHubSpot
3 integrations available
Support & Contact
Chapter 4
What others say
Synthesis of third-party platform reviews and industry ratings — agreements, disagreements, and which signals to weight.
Platform Ratings
Aggregated Trust Score
Based on 2,018 reviews across 4 rating platforms
3.5
out of 5
Overall Rating
Better Business Bureau
Reviewer Notes
Negative reviews describe billing and rate disputes, difficulty canceling, and unauthorized charges. Common complaints reference bait-and-switch pricing, funds being held, and unauthorized services being enrolled. Stax responds professionally to nearly all complaints.
Google Reviews
Reviewer Notes
Reviews are generally positive, praising customer service and pricing; negative reviews echo BBB themes around billing changes and support delays.
Trustpilot
Reviewer Notes
Positive reviews praise responsive and knowledgeable reps during onboarding and ongoing support. Negative reviews mention difficulty getting critical issues resolved quickly, especially processing outages during busy periods.
G2
Reviewer Notes
Users consistently praise the software for its ease of use and transparent pricing. Criticism focuses on monthly fees being high relative to transaction volume for some business types.
Chapter 5
Watch out for
Legal actions, regulatory matters, and signals from employee reviews that bear on how merchants get treated.
Employee Reviews & Sales Practices
2.9/5
Overall Employee Rating
Based on 158 employee reviews
Sources
Glassdoor
Chapter 6
Common questions
Frequently Asked Questions
General
Yes. Stax (formerly Fattmerchant) is a payments technology company founded in 2014 and headquartered in Orlando, Florida. Customer ratings are mostly strong — 4.2 on Google across 800+ reviews, 4.0 on Trustpilot, and 4.9 on G2 — though its BBB profile carries complaints about billing disputes and cancellation friction, which Stax responds to professionally.
Pricing
Contracts & Terms
Features
Chapter 7
Better choices if…
Direct comparisons to alternatives, framed around when each option makes more sense than this one.
Better choices if…
How we evaluated Stax
We evaluate every payment processor independently — Payment Review does not accept paid placement. Our analysis combines hands-on product testing where possible, public pricing and policy documents, third-party reviews from BBB, Trustpilot, Google, and G2, and employee feedback from sites like Glassdoor and Indeed. We update reviews on a rolling cadence and flag the next review date so readers know how fresh the analysis is.
Last fact-checked August 19, 2026
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