Stax

Review of Stax Software: system overview, features, price and cost information. Get free demos and compare to similar programs.

Overview

About Stax

Stax is an all-in-one payment processing solution equipped for in-person, mobile, and online payments. With Stax Pay, SMBs receive access to real-time data and analytics, payment invoicing, financial reporting, and transparent, subscription-based pricing. Stax Connect helps SaaS companies and ISVs integrate embedded payments into their platforms for an end-to-end experience, offering flexible program options, simplified pricing models, and business management tools for partners and their customers.

Stax Screenshots

Stax Features

Features of Stax
ACH Payment Processing
Billing & Invoicing
Debit/Credit Card Processing
In-Person Payments
Mobile Payments
Multi-Currency
Multiple Payment Options
Payment Fraud Prevention
Payment Gateway Integration
PCI Compliance

Stax Integrations

QuickBooks Online Advanced logo
QuickBooks Online Advanced
authorize.net logo
authorize.net
Zapier logo
Zapier
Mailchimp logo
Mailchimp
WordPress logo
WordPress
Slack logo
Slack

Customer Reviews

See why people love Stax

5 Star
70%
4 Star
20%
3 Star
0%
2 Star
0%
1 Star
10%
Matt M.

Matt M.

Verified User

Marketing and Advertising · 11-50 employees

Used daily for less than 12 months
Dec 22, 2025

We save $1,000's on fees with FattMerchant

Their support is great. I've had dozens of questions and they always get back to me. And they send your payments super fast. Great experience overall.

What they liked
  • Flat rate pricing
  • Oh man, this is a breath of fresh air
  • After using stripe and square to process payments we have absolutely loved the simplified pricing structure that Fattmerchant uses
  • Only paying interchange fees and a fixed monthly rate saves us $100's each month
Room for improvement
  • The integrations are weak
  • We've had to build a few workarounds to get fattmerchant to work with our tech stack but it's been worth it
Switched From

Pricing and better customer service. It's nice to work with real humans.

Jason H.

Verified User

Food & Beverages · 11-50 employees

Used daily for less than 6 months
Dec 22, 2025

Business Owner

Cost Savings: The subscription-based pricing is the main draw. Businesses save significant money by paying a flat monthly fee and the direct interchange cost (0% markup), avoiding the percentage-based fees charged by competitors. ​User-Friendly Platform: The Stax software platform is consistently praised for being modern, intuitive, and easy to navigate. Its centralized dashboard simplifies managing transactions, running reports, and accessing customer data. ​Powerful Features: Users value the robust, all-in-one system that includes advanced invoicing, recurring billing, and "Text2Pay" options.

What they liked
  • I enjoy using Stax payments because its transparent, subscription-based pricing model saves my business money
  • Instead of paying a percentage of every sale, I pay a flat monthly fee with 0% markup on interchange, which provides predictable costs and significant savings on high-volume transactions
  • The all-in-one platform is also incredibly user-friendly, integrating everything from invoicing and recurring billing to a virtual terminal in one dashboard
Room for improvement
  • Functionality of batch out process
  • Would be best if we received warnings before completing the batch
Switched From

Better service for our business and better cost of the payments

Tyler F.

Verified User

Retail · 11-50 employees

Used daily for more than 2 years
Dec 22, 2025

Go elsewhere and don't think twice about it. No advantages of using Stax.

I never initially signed up for Stax Payments as they bought out the company I initally signed up with. The other company, Payment Depot, had great service, super friendly and nice always. As stated, they never had anything that set themselves apart that you can't get at any other company. Their biggest thing I felt is how their customer service at Stax is not good at all, they don't care about you, especially at 10-year long customer at that. You are cattle as a customer here. Why join them? You don't really save any money any more compared to anyone else, so why join them? There is no advantage of being a customer of Stax Payments. Goto a company that will treat you right and really want to earn your business, which Stax doesn't try to earn, its almost like expected. Yuck. Shop around, they are a little cheaper and really not much cheaper than Square their biggest competitor and Square at least has all sorts of great analytics dashboards, great service, and they pay out a whole lot fast even same day payouts if you need! Go elsewhere, forget Stax. By the way I have no ties whatsoever to Square, just using them as an example of a better option and there are probably even better options than them, but all of them are better than Stax Payments.

What they liked

Honestly, nothing really stood out because they didn't have any cool features that were different from any other processor

Room for improvement
  • Their payments took 3-5 days to clear, customer service is not that good, and they always found every way they could to increase my prices monthly
  • They nickel and dime and don't go to bat for you

JOSEPH E.

Verified User

Printing · 51-200 employees

Used daily for more than 2 years
Dec 22, 2025

Excellent at first, then just okay...

Customer service is rarely necessary, but the few times we have needed assistance the results have been slow and frustrating responses.

What they liked

Simplicity, issues are rare, price seemed reasonable at first but moved from an untouchable rate to merely competitive within a few years

Room for improvement
  • The flat monthly rate was very easy to understand, but the price just keeps jumping inexplicably year over year, more than double where it started five years ago
  • Classic case of opening with a good deal then taking advantage later
Switched From

price was the main factor - we were a startup company and saw rapid growth that warranted a better rate

Why they chose it

"price, ease of use, easy to understand pricing"

Sarah C.

Verified User

Apparel & Fashion · 2-10 employees

Used daily for less than 2 years
Dec 22, 2025

Great Customer Service!

[sensitive content hidden] customer service rep is a joy. Helpful, informative, extremely responsive. A credit to STAX!

What they liked
  • Payment processing made smooth
  • It's important for our small business to save on business costs, Stax makes this possible
Room for improvement
  • I think more customer service reps would be a good idea
  • Initially we were referred to Dejavoo and kept being disconnected, which was annoying
Switched From

Heartland was too expensive and their customer service was not great. They used to have a rep on [sensitive content hidden] which was great, but they stopped that. Phone calls were difficult to make and response times were not good

Brittney B.

Verified User

Health, Wellness and Fitness · 2-10 employees

Used daily for less than 2 years
May 28, 2026

Best Payment Processor I've used

Excellent experience overall. The system is simple to navigate and easy to learn. Super user friendly, and whenever a issue arises, their support staff handle it quickly and tactfully.

What they liked
  • Stax is by far the most user friendly payment processor I've ever used
  • It is quick and easy, and give customers a variety of way to submit payment
  • Their support staff is also fantastic
  • I get quick solutions and support and the techs are always friendly and knowledgeable
  • Navigating the system is simple and it's easy to learn all the ways to utilize the system quickly
  • The ability to invoice clients and email them directly is so convenient
Room for improvement
  • I have not had any cons thus far in my experience with Stax
  • I've been using them for about 2 years now

George C.

Verified User

Health, Wellness and Fitness · 2-10 employees

Used daily for more than 2 years
May 28, 2026

Stax payments is a great business partner!

[sensitive content hidden] helped me find a solution and got me going in the right direction. Overall, Stax has been great for our business. After 7 years of doing business with Stax as our payment processor, we are very pleased!

What they liked
  • Great quality service, value
  • and reliable payment service
  • I especially appreciate the reliable daily processing and quick turnaround
Room for improvement
  • Integrating with shopify is difficult for business owners
  • Many retail merchants like us are expanding to online platforms like Shopify and would like to use our Stax payment service there as well

Kim C.

Verified User

Information Technology and Services · 11-50 employees

Used monthly for more than 2 years
May 28, 2026

Saturday service

We have been with Stax for ~8 years and it's been good. My only complaint is they have not updated system to integrate with auto matching payments to QB in 8 years....maybe needs a little more research/development.

What they liked

Great customer service, I appreciate [sensitive content hidden] being available on a Saturday afternoon to assist me in getting into Cardx

Room for improvement
  • The thing I like least about Stax is that is does not integrate with Quickbooks by auto matching the transactions
  • I have to go in manually every month and match them

Cory E.

Verified User

Construction · 2-10 employees

Used daily for more than 2 years
May 28, 2026

Rate Reduction Assistance

Overall, I was able to get my rate reduced to where I need it to be as a small business owner and [sensitive content hidden] was very professional and helpful following up with me via phone as well as email to close the loop.

What they liked

I've had invoicing questions for the last 6 weeks and was able to resolve them while working with [sensitive content hidden]

Room for improvement
  • I originally worked with Cole but the ticket got closed out and I wasn't able to resolve the issue while working with him directly
  • So I had to call back in a few times and send multiple emails

cara g.

Verified User

Medical Practice · 11-50 employees

Used daily for more than 2 years
May 28, 2026

Two thumbs up

Good, great. not bad, bettter than most companies used in the past. will recommend to others with the same needs.

What they liked
  • The processing is simple
  • love you can email and processes through the portal
  • lots of information
Room for improvement
  • The follow up from customer support wasn't as great
  • but this was all to do with the clover customer support, they tried to do their best

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(0/5 Stars)

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