# Compare Heartland Payments+ vs Stax 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Stax and Heartland Payments+ based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/119791-157492/Heartland-Payment-Processing-vs-Fattmerchant-Payments-Online --- # Stax vs Heartland Payments+ Features and Cost Comparison Last updated April 28th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: StaxHeartland Payments+2/4 selected [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.1 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) [## Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.1 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting Price $99.00/month Value-for-Money 4.1 Functionality 4.2 Ease of Use 4.3 Customer Service 4 Reviews Sentiment MC JH Based on [126 reviews](#user-reviews) Positive 96 Neutral 5 Negative 25 [## Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) Starting Price Contact vendor Value-for-Money 4 Functionality 4.3 Ease of Use 4.4 Customer Service 4.1 Reviews Sentiment Based on [132 reviews](#user-reviews) Positive 113 Neutral 3 Negative 16 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 23,061 reviews from payment processing software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology \--%Fit Missing features Feature ratings Data Security NA Online Payments 4.2 Payment Fraud Prevention NA Debit/Credit Card Processing 4.1 Expense Tracking NA 61%Fit Missing features Feature ratings Data Security 4.7 Online Payments 4.2 Payment Fraud Prevention NA Debit/Credit Card Processing 4.1 Expense Tracking NA User satisfaction User satisfaction 4.1 User reviews[126](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Ease of use 4.3 Functionality 4.2 Value for money 4.1 Customer support 4.0 User satisfaction 4.3 User reviews[132](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.0 Customer support 4.1 Price starts from Price starts from $99Flat Rate, Per Month - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Smalls Business Owners Franchises Chains Restaurants Bars Retail Stores E-commerce Professional Services Legal Hotels/Hospitality Healthcare Salon and Spa Health and Fitness Best for Designed to assist medical practices, local governments, and utility providers with an integrated payment processing solution. ## User reviews Pros & cons MC Michael C. Owner > "Easy process, support through set up and initiation of portals, simple transaction process, works well with our API and..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139402) RP Rebecca P. Co-Owner > "The least thing I like about Stax is just navigating how to take out the Debit fees and the monthly fees out of the deposits..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139703) JH Jason H. Owner > "Powerful Features: Users value the robust, all-in-one system that includes advanced invoicing, recurring billing, and..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7031409) RJ Rhonda J. Office Manger > "I do not like that it does not have a option to print a receipt or that you can't email receipt unless you pay extra money." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102397) RP Rebecca P. Co-Owner > "Stax has saved me money by letting me charge the customer for using their credit cards and a low fee if they use debit cards." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139703) LS LESLEY S. Therapist > "The dashboard on the mobile app is not as user friendly or capable as I would like in checking daily, weekly charges." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139176) AG Alex G. Owner > "Money is directly deposited to my account with no problem usually within 1-2 days and the service provided and fees are..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7059133) JK Jennifer K. Office Manager > "I'm old fashioned and prefer calling in a customer issure rather than texting but I also did not take the time to look for a..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7086646) AG Alex G. Owner > "The machine is user friendly, and it automatically prints reports at the end of day for your production numbers." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7059133) AK Adam K. COO > "It all starts out well. But, it's very far from transparent and extremely shady with the fees and the pricing. If you..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6540804) TS Todd S. Owner > "After one month of using Stax as our merchant account provider, I can confidently say it has exceeded my expectations in..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139360) EW Emma W. Practice Administrator > "We were also told batches would automatically close out at the end of each day, also not true." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061545) RG Ron G. Owner > "They do offer unparalleled options for card processing with transparent billing and information. " [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885853) LH Lauren H. CNP > "I don't love that the cc processor cant be used unplugged but it is no biggie!" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061605) BR Brittney R. Director of Revenue Cycle > "Love that we have access to see all payments that are processed in a user-friendly portal. " [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102444) JS Juan S. CEO > "Without a native sync, we’re stuck doing duplicate data entry and manual reconciliations." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885884) BC Bijoy C. Owner > "Their platform feels more transparent, more merchant-friendly, and far better suited for real businesses—not just developers." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061539) RS Robert S. Provider > "I don't like that Stax is not able to integrate into our EHR system and we will now have to do more steps to take payments." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7008980) TF Tyler F. CEO > "Shop around, they are a little cheaper and really not much cheaper than Square their biggest competitor and Square at least..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6697642) EA EMILY A. Executive Administrative Asst > "Even after providing the requested information, I was told that it could take 48-72 business hours for information to be..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885843) KP Kim P. Owner > "I always get a follow-email to see if there is anything else I need from her which is great because I usually forget to ask..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7057226) JS Juan S. CEO > "The one major drawback is the lack of a QuickBooks connection—adds unnecessary bookkeeping work." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885884) DN David N. Director of Software Development > "Particular praise for \[sensitive content hidden\], who not only got us to the point of operating with successful..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7014432) RB Rebecca B. Administrative Assistant > "Occasionally the lowest tier support can be less than stellar." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7103313) SK Syeda K. Owner > "It also has simple billing and reasonable fees compared to other terminals" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7104601) TF Tyler F. CEO > "Their payments took 3-5 days to clear, customer service is not that good, and they always found every way they could to..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6697642) EB Edgar B. Controller > "We have no issue in regard to deposits, all transactions are accounted for." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102560) TS Todd S. Owner > "So no payments on Sundays it seems, but that could be because of my bank." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139360) AM Aaron M. Operations Management > "Jessica in customer Service was sooooo00000000 helpful with getting me into the Access my IQ website" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7135310) AG Alex G. Owner > "I get many calls to switch to competitors but have no reason to at this time." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7059133) KH Kaylani H. Personal Trainer > "I appreciate the automated payment method for clients that want to use it." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7049752) EW Emma W. Practice Administrator > "Terrible process with poorly trained sales reps and customer service agents. " [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061545) RP Rebecca P. Co-Owner > "The website is easy to manage and I get an email every day telling me how much was deposited into my account." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139703) RJ Rhonda J. Office Manger > "System is to old to hook up the our advanced wifi." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102397) BG Brian G. Owner and Attorney > "The cost of Stax seemed to be the best of any companies that I research, at least for law firm accounts." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139424) CC Crystal C. General Manager > "Processing can be slow, deposits up to 5 days til deposit clears from payments." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6659210) BG Brian G. Owner and Attorney > "The interface might not be quite as clean as LawPay, but is fine." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7139424) TG Tom G. Owner > "I’m frustrated that deposits are not always next business day." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102409) KP Kim P. Owner > "I'm busy so when I find a service I can trust and not question their practices, I stick with them. " [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7057226) AK Adam K. COO > "We've never used Performance Analytics, we've never asked for it, and we've already gone through this once nad have emails..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6540804) DN David N. Director of Software Development > "It has been a long and convoluted process to resolve all of our issues, but Stax Support has stuck with me, and resolved..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7014432) ME Marianne E. Accountant > "We have had some unique problems that although we are told how to fix it, we get push back from the next person who helps us." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7005193) BC Bijoy C. Owner > "Highly recommended for anyone looking for a reliable, efficient, and well-supported payment solution." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061539) ES Eric S. Owner > "Never could get a direct phone number to speak with someone through this whole incident, email only." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6846388) SC Sarah C. Owner > "It's important for our small business to save on business costs, Stax makes this possible" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7033596) JE JOSEPH E. CFO > "Customer service is rarely necessary, but the few times we have needed assistance the results have been slow and frustrating..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7014371) ES Elisa S. Administrative Assistant > "I really appreciated how thorough \[sensitive content hidden\] (my Customer Support Specialist) was on our support call ." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7068388) DC Donnette C. Finance Director > "I called the number on a previous statement but that was not the number for customer service." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7002494) BB Brittney B. Practice Manager > "The ability to invoice clients and email them directly is so convenient." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7028165) GC George C. President > "Integrating with shopify is difficult for business owners." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7036244) JE JOSEPH E. CFO > "Simplicity, issues are rare, price seemed reasonable at first but moved from an untouchable rate to merely competitive..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7014371) KW Kim W. Owner > "Very difficult changing bank accouts" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102464) DK Denise K. Bookkeeper > "We have had excellent sales reps and also you have an amazing support team that responds to our phone calls immediately" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885871) JS Jaspreet S. President > "Support and leadership both have been disappointing ao far." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061579) TB Twila B. Office Manager > "I like the fact that there is just one set monthly fee." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7118732) VR Verified Reviewer Chief Operating Officer > "This has caused us to scramble to set up another payment processing system. If we were not in a position to have some..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___4944064) MM Maisa M. CFO > "Very easy to utilize and you can schedule payments which is really cool." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061527) ES Eric S. Owner > "The savings pale in comparison to the pain and heartache of dealing with them." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6846388) JK Jennifer K. Office Manager > "He called me back very quickly and solved our problem all before we took our first payment!" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7086646) JS Juan S. CEO > "Big drawback: it doesn’t connect to QuickBooks." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885884) KW Kim W. Owner > "Love the cost associated with monthly use." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102464) IP Irene P. Office Manager > "It took 1.5 months to get our accounts switched. " [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7028258) JB Jason B. Owner > "I am enjoying the simplicity of cost structure. And the information available to me inside the software." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7014411) AB Adrienne B. Office Manager > "Sometimes these fees just show up out of nowhere." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885897) JY Jody Y. Bookkeeper > "The rate is way better than what we were paying before." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061535) EM Eric M. Engineer > "The application was pretty intensive, but I understnd why it is like that." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885985) BC Bijoy C. Owner > "The approval process with Stax was incredibly smooth and refreshingly straightforward." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7061539) AK Adam K. COO > "They add these fees with little or no notice and wait for you to dispute them. " [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6540804) JS Juan S. CEO > "The dashboard is intuitive, support is responsive, and fees are clear." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885884) TF Tyler F. CEO > "I never initially signed up for Stax Payments as they bought out the company I initally signed up with." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6697642) JS Juan S. CEO > "After trying other processors, this one has been smoother and faster for daily operations." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6885884) VR Verified Reviewer Chief Operating Officer > "This froze the majority of our collected funds, causing significant cash flow issues for our small business." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___4944064) BP Bhargi P. Accountant > "Overall, my experience improved significantly once I was able to get assistance." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7102969) JC Jose C. Owner > "Unfortunately it seems like most card processing companies play by the same rules." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6677635) CS Chelcie S. Vice President Treasurer Owner > "I can literally just wait a few minutes and know that someone will email me back pretty quick with an answer to my question." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7006914) TF Tyler F. CEO > "They nickel and dime and don't go to bat for you." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6697642) BS Barbara S. Business Manager > "There is virtually no learning curve and the performance and speed of the program is phenomenal." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7039196) ES Eric S. Owner > "Horrible customer service." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6846388) ML Meadow L. Finance and Accounting Specialist > "Caleb did a great with assisting me today and was very friendly which made it a good experience and makes me feel..." [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___7027248) TF Tyler F. CEO > "You are cattle as a customer here. Why join them?" [See full review](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#Capterra___6697642) [View Reviews](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) KO Katherine O. Polyglot > "I like Heartland payment because many users like me, find the interface intuitive and user-friendly, which helps with transaction..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7068513) AS Amy S. Owner > "It defies logic that a business would cancel payroll, close its ROC license, and stop operations — yet continue to pay for unused merchant..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___7031362) BN Brianna N. Data Analyst > "I like heartland payment because it offers a variety of payment solutions, including credit and debit card processing, mobile payments,..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7069489) LR Laila R. Sales assistant associate > "No trial period available for new users to test the system, need to contact sales reps to view the demo version, the experience is limited." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6853293) Neelam S. SOFTWARE MANAGER > "The best Service to receive payments they doesn't work on traditional payments, they have a dedicated server and they have a proper..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6654882) EL Eddy L. Electrical and Electronics Engineer > "However, the setup process can be complex, and the fee structure lacks transparency, which can lead to unexpected costs." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) II Ifeoma I. Executive Assistant > "Heartland payments+ makes payment management simple with its relable tools that make payment processing efficient, gives customizable..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6661568) VR Verified Reviewer owner > "We are a small business and By the time we had time to analyze the bills we had been take for a ride for almost a year which totaled a loss..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___6413747) SM Sameer M. Senior Manager > "It is also better since it enables you to securely store patient’s regular card numbers, thereby simplifying things for both the patient..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786) AA Abhishek A. Financial Consultant > "Sometimes, I have seen some delay in payment processing from the company, but it's been very rare scenarios." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6474335) SO Samson O. Supply chain manager > "It is one of the best payment processing platform that offers and incredible customers services.it also offers a very minimal and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6659526) EL Eddy L. Electrical and Electronics Engineer > "Initial setup complexity, for instance setting up the clover POS system was challenging for me." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) SR Salice R. ELL contractor > "I like just two things about heartland payment the ease of tracking invoicing and transactions that they make" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7067307) SS STEVE S. OWNER > "I had a problem since they set up 2 verification process." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358742) LD Linus D. Marketing Director > "Heartland Payments+ has a focused way of creating a rational payment option, and this validates all transactions for companies." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6366871) BP Barbara P. Paralegal, Office Manager > "Many of the reports have such small print that they are difficult to read." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6774946) SI Shardul I. System Administrator > "What i like best about Heartland Payments is that it accepts most payment methods, and offers payment processing that is efficient and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6780686) TO Taryn O. Business Operations Supervisor > "Processing fees are more expensive than those of newer platforms." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6767261) BT Bodamer T. Foreign Language and Localization Administrator > "It has an enhanced reporting tool that give us all the fine and accurate details we need to know about any processed payment." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6451387) CO Charles O. Owner > "They were zero help in that regard for my switching processors. And I do not like how they handle charge-backs from customers who have..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487) SV Sarah V. Accounting Manager > "It enables me to provide flexible payments options to my clients and receive those payments on time." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6406136) PS Penelope S. owner > "I had just started my business and there were a lot of issues I had no experience with. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358606) SM Sameer M. Senior Manager > "It spares us from having to interact with one another by enabling us to securely collect payments from our clients over the phone." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786) MH Maisarah H. Administrator > "No reason to dislike any of their tools & features." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6607596) Ashutosh M. Software Developer > "It also provides us with customer insights and analytics which helps us to track sales and other performances." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6508716) DB Denise B. Owner > "Their customer service people are nice but the systems are so messed up that the sites are down a lot and then you cant get in. When I..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) GWI Georgy-Winifred I. Project Manager > "Heartland payment is a secure and user friendly platform that makes payment management simple by offering flexible client options and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6569673) CO Charles O. Owner > "Heartland started lopping fees on us over the years." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487) PC Pat C. Assistant Manager > "It works with nearly every payment option I think is available which is why we’ve committed to using it as our only payment processing..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) WD Will D. Owner > "Customer service is terrible and the system is equally disastrous." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___6252020) WG Wendy G. Finance Director > "My overall experience with Heartland Payments + is somewhat ok. While the operations are decent the pricing is a deterrent." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7093270) HN Hatim N. Founder > "Bad service, either being raciest sales staff of disrespectful, KC sucks" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___5019775) PC Pat C. Assistant Manager > "finally the inbuilt verification and security features are rock solid and we really trust in ut, helping businesses stay efficient and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) DB Denise B. Owner > "Then they would charge our small business fees to compensate for that. When I called customer service it would be at least an hour to..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) PC Pat C. Assistant Manager > "The financial reporting tools is also very important as they keep everything clear and make tracking transactions effortless." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) TV Theodore V. owner > "It will break a mom and pop restaurant with the fees of processing and a unusable system." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019) MP Maurizio P. Finance Manager > "Besides, Heartland Payments+ has created a global support, a formation that allows companies conduct their businesses online." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141) KN Kate N. Director of Operations > "We were given two different websites to login to, but never given training on where to look for transactions and reports. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227) Thomas F R. Assistant Director > "Heartland Payments+ has made it easy for us to run our institution by giving us a reliable space for managing our finances." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6418014) TV Theodore V. owner > "Third party contractor Retail systems inc. could not keep system running to save their lives." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019) Hillary M. Purchasing Agent > "It support almost all available payment types which is why we have made it our sole payment processing tool." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) PR Patricia R. Accounting Manager > "It was almost exactly the same and more expensive!! When asked for a refund, heartland was unable to do it. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3827057) EE Erere E. Operation Manager > "Heartland Payments accept most payment methods and it is faster in creating invoices and sending." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6727856) AJ Aliya J. Store manager > "Time using it and it wasn’t given to us as advertised." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262) JK Joachim K. Marketing Assistant > "Heartland Payments+ simplify payment processing operation for our business to accept payment from customer." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6419046) Lyndia C. Health Insurance Advisor > "I got locked out because I would forget the client code often." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3522693) EL Eddy L. Electrical and Electronics Engineer > "Heartland Payments+ offers a user-friendly interface and strong security features, making transaction management straightforward and secure." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) LS Latonya S. CEO > "WTH - who closes an account without notifying their customers?" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3822853) GM Gianluca M. Finance Director > "Heartland Payments+ is more precise in matters payment processing, and there are reliable security modalities included." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6382864) KN Kate N. Director of Operations > "Dashboard and reporting are difficult to use. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227) MP Maurizio P. Finance Manager > "Heartland Payments+ has confined verification security measures, and they all ensure businesses are successful and effective." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141) TM Tiffany M. Service Writer > "Is the most expensive payroll company I’ve worked with." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3796924) SO Star O. Organization Manager > "Easy to use, offers low rates, strong security, and provides flexible payment options for our clients making it a perfect solution for..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6583864) AJ Aliya J. Store manager > "Everyone in my company had a difficult" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262) Hillary M. Purchasing Agent > "Heartland Payments+ has been our go-to payment processing tool that has made our purchasing activities very efficient." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) DB Denise B. Owner > "Their error. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) AD Angela D. Project Manager > "The easiness to track payment that is sent to us is what make this software critical for our business." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6724377) AP Annie P. Co-Owner / Head Brewer > "We’ve been shut down in one form or another for over 12 months and having Heartland hold back 100% of our credit sales during this is..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) RS Ribeiro S. Sales Executive > "Creating invoice or recurring billing is fast by using the build-in template." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6431917) JR Jennifer R. Cosmetic Formulator > "The dashboard looks a little overwhelming. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3457061) AP Adetola P. Executive Assistant > "Setting it up is very simple even for someone like me who isn't very family with tech stuff, but what I really appreciate is how fast and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6628537) AP Annie P. Co-Owner / Head Brewer > "Sometimes the calls last as much as an hour, and many times I can’t get anyone on the phone who has any idea what to do." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) EL Eddy L. Electrical and Electronics Engineer > "integrated solutions, handles in store sales with Clover POS system seamlessly" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) KC Katie C. Student > "I don't feel there are difficulties with this software that I have experienced personally at this time." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3022988) Hillary M. Purchasing Agent > "Heartland Payments+ financial reports keeps us on the light and makes it easy to track all our processed payments." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) AP Annie P. Co-Owner / Head Brewer > "Heartland is the source of our biggest problem right now, and we’re a restaurant during a pandemic." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) [View Reviews](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) ## User interface 4.10 (126) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/) 4.30 (132) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Stax Top features 24/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/#features) Heartland Payments+ 14/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#features) ### Recognition No recognitions have been awarded to Stax No recognitions have been awarded to Heartland Payments+ ### Deployment & support Stax Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Heartland Payments+ Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Stax - By Fattmerchant - Located in United States - Founded in 2014 Heartland Payments+ - By Global Payments - Located in United States - Founded in 1983 ## Popular Comparisons [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.10 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,378)](https://www.capterra.com/p/207944/PayPal/reviews/) $99/month Price $0.29 4.2 Features 4.6 4.3 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,378)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 4.3 Features 4.6 4.4 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/119791-207944/Heartland-Payment-Processing-vs-PayPal) [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.10 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,279)](https://www.capterra.com/p/222572/Venmo-/reviews/) $99/month Price Contact vendor for pricing 4.2 Features 4.6 4.3 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/157492-222572/Fattmerchant-Payments-Online-vs-Venmo-) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,279)](https://www.capterra.com/p/222572/Venmo-/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.6 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-222572/Heartland-Payment-Processing-vs-Venmo-) [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.10 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,331)](https://www.capterra.com/p/123889/Stripe/reviews/) $99/month Price Contact vendor for pricing 4.2 Features 4.5 4.3 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-157492/Stripe-vs-Fattmerchant-Payments-Online) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,331)](https://www.capterra.com/p/123889/Stripe/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.5 4.4 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/119791-123889/Heartland-Payment-Processing-vs-Stripe) [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.10 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,680)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) $99/month Price Contact vendor for pricing 4.2 Features 4.6 4.3 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/157492-170278/Fattmerchant-Payments-Online-vs-Square-Payments-Processing) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,680)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.6 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-170278/Heartland-Payment-Processing-vs-Square-Payments-Processing) [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.10 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,028)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) $99/month Price $0/month 4.2 Features 4.5 4.3 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/157492-275802/Fattmerchant-Payments-Online-vs-Square-Point-of-Sale) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,028)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) Contact vendor for pricing Price $0/month 4.3 Features 4.5 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-275802/Heartland-Payment-Processing-vs-Square-Point-of-Sale) [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.10 (126)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) vs [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,019)](https://www.capterra.com/p/135757/NetSuite/reviews/) $99/month Price Contact vendor for pricing 4.2 Features 4.2 4.3 Ease of Use 4.0 [View full comparison](https://www.capterra.com/compare/135757-157492/NetSuite-vs-Fattmerchant-Payments-Online) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/) Contact vendor for pricing Price $25/month 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/119791-221412/Heartland-Payment-Processing-vs-authorizenet)