# Compare Stax vs SumUp 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Stax and SumUp based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/157492-170673/Fattmerchant-Payments-Online-vs-SumUp-Air

---

# Stax vs SumUp Features and Cost Comparison

Last updated May 22nd, 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:

StaxSumUp2/4 selected

[Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.1 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

[SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

[## Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.1 (129)](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 [129 reviews](#user-reviews)

Positive

99

Neutral

5

Negative

25

[## SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

Starting Price

$99.00/month

Value-for-Money

4.3

Functionality

4.4

Ease of Use

4.5

Customer Service

4.3

Reviews Sentiment

Based on [1,470 reviews](#user-reviews)

Positive

1,295

Neutral

83

Negative

92

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## Summary

* * *

Key features rated by users

Features selected based on 23,179 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

68%Fit

Missing features

Feature ratings

Data Security

4.0

Online Payments

4.1

Payment Fraud Prevention

4.0

Debit/Credit Card Processing

4.1

Expense Tracking

NA

User satisfaction

User satisfaction

4.1

User reviews[129](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

4.5

User reviews[1,470](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

Ease of use

4.5

Functionality

4.4

Value for money

4.3

Customer support

4.3

Price starts from

Price starts from

$99Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

$99Flat Rate, Per Month

-   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

SumUp is used by coffee shops, tea houses, dessert and bakery establishments, fast casual restaurants, boutiques, barbershops, salons, and retail stores.

## 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/)

Shaun D.

Proprietor

> "It was really easy to get started with Sumup, the first card reader I bought was the Sumup air, the battery lasts..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___7012753)

KV

Karen V.

Owner, instructor

> "The last of customer support not only has cost me several thousand in lost transactions, but has caused me..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

AM

Anna M.

Owner, designer, webdeveloper

> "Now it has and I think it’s great tool, especially when most of the transaction you’re doing is using your mobile..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417)

KV

Karen V.

Owner, instructor

> "You have to argue with an AI to get to a human, and then the simplest of questions that could be soryed in a 5..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

AFS

Ahmad Farhad S.

Vice President

> "I use FiveStars for our business weekly and monthly newsletters, reward programs, referral programs, and survey..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6056209)

KV

Karen V.

Owner, instructor

> "Often the people don't understand the problem, and give information that has nothing at all to do with the..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

FY

Frusquin Y.

Project Manager

> "Loyalty programs allow businesses to collect data on customer purchasing preferences and habits, providing thus..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6049563)

FD

Francesco D.

CEO

> "Its support is valid if you have commonly adressable issues, but if you have a specific need or problem to be..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6503852)

EU

Elzbieta U.

Owner

> "You can collect cash too which makes it easier to keep track of your daily sales"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6495551)

KV

Karen V.

Owner, instructor

> "Several times this year I have had machine and app issues to where I couldn't take payments via card."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

AM

Anna M.

Owner, designer, webdeveloper

> "Its simplicity and intuitiveness is a strong plus."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417)

AM

Anna M.

Owner, designer, webdeveloper

> "I couldn’t find any form of integration with Klarna or Clearpay unfortunately."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6884417)

VR

Verified Reviewer

Owner

> "The ideal solution for taking payment in a flexible way."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6595659)

MR

Michael R.

Owner and founder

> "it appears each department, does not speak to each other creating more problems for users."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6593855)

RW

Rhiannon W.

Childminder

> "I love that sum uo os perfect for snall business and mobile too!"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750231)

MM

Michael M.

Builder

> "The harm done to my reputation and the financial loss is devastating, and SumUp Bank’s refusal to provide any..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6761307)

FY

Frusquin Y.

Project Manager

> "Loyalty programs strengthen the relationship between customers and the company, enticing customers to return to..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6049563)

VR

Verified Reviewer

Owner

> "Terrible UI usability, with frequent bugs"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6712064)

SL

Shaun L.

Co owner

> "Ease of use, stable and the added bonus of a sim installed for external use."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6472645)

SP

Stacey P.

Locksmith

> "Can be temperamental, sometimes there's a delay in getting it started"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6588765)

RA

Rebecca A.

Owner

> "For the few first weeks I didn't have any issues."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___7010602)

VN

Vy N.

Owner

> "Not a huge problem since it will ask you to confirm whether the ID number is correct before you proceed, just a..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400)

KK

Khaled K.

Admin

> "Easy to use and setup, payment terminals are paperless and not expensive."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6490694)

SA

Sanchita A.

HR

> "Does not work with some kind of transactions"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6587767)

RW

Rhiannon W.

Childminder

> "Really simple and pleasant to use for my snall mobile business."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750231)

MR

Michael R.

Owner and founder

> "Extremely poor communication and poor technical support."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6593855)

KV

Karen V.

Owner, instructor

> "One person was very good and very helpful and understanding. "

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6861675)

BT

Brian T.

IT Administrator

> "very negative. when there are so many competitors to chose from there is no reason to ever use sumup"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6780460)

PP

Perla P.

CEO

> "Cheap options to buy equipment and also easy to contact"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6693674)

SF

Stuart F.

IT Lead

> "Ridiculous. If you are a small business, please don't choose SumUp."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6750017)

LQ

Lourdes Q.

Wellness Coach

> "We have used SumUP for a while, and it really made our lives easier."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6473783)

VR

Verified Reviewer

Student in Industrial Maintenance

> "I found that the cost of FiveStars was quite high for a small business like mine, especially when you take into..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4596402)

VP

Victoria P.

Administrator

> "SumUp is so easy to use, you can begin to take payments immediately!"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6570310)

EK

Edmond K.

Director

> "Sumup are holding back £20,000 + of our funds for no reason without giving any reason"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6195036)

LQ

Lourdes Q.

Wellness Coach

> "They have great customer service and support."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6473783)

LB

Ludo B.

CEO

> "often it works but sometime it's so long to do a payment with a client, loading, disconnection, error, no..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4360195)

TK

Timea K.

Account Planner

> "Made my life a lot easier."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6576498)

HV

Hendrik V.

Iwner

> "Must have a phone signal to be able to use it. If your phone dies or loses signal you can’t accept payments"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3609024)

DK

Denise K.

Director

> "All good never had any problems the support team very helpful"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6467806)

KW

Karen W.

Boss

> "Zero customer support."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6044593)

EB

Emma B.

recruitment consultant

> "great product easy to use. "

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6657381)

TS

Teresa S.

Therapist

> "There is no user guide to let you know how the gift cards work, and it’s a bit fiddly."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3822609)

EU

Elzbieta U.

Owner

> "Easy to set up and use."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6495551)

CQ

Caitlin Q.

Full-time Student

> "It can be annoying to receive a lot of push notifications daily."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3544056)

EB

Emma B.

recruitment consultant

> "great easy product to use having the app or the car reader"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6657381)

Vasilis A.

team manager

> "The app is little confused and sometimes in my device lagged"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4339374)

AK

Amanda K.

Owner

> "Easy to set up, use and no ongoing costs"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6431756)

AK

Anais K.

Trainer

> "Creating products in the app is not clear : I did it but I could'nt find how to select them when the client wants..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3464948)

EF

Emma F.

Florist

> "I really like the system and how easy it is to use"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6762448)

Ashley W.

IT Technician

> "There’s literally nothing I don’t like about this software it’s great in all aspects and never once have had an..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3579173)

ST

Samantha T.

Graphic Designer

> "Very good, would recommend to anyone as it is so easy to use"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6589671)

JP

Johnny P.

Owner

> "Everything the worst company ever I have used disgusting customer service"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4514636)

KN

Kendrick N.

Owner

> "I am able to take payments cash or card."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6046711)

AK

Anita K.

Resource Group Leader

> "It disappears and also it is not clear when an offer has been used."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3368103)

SH

Sal H.

Manager

> "Just the fact that there's programs out there that keep having a customer come back to stack up points from..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3607895)

DB

Dave B.

Vice chair

> "I don’t think there are any issues I’ve had yet, other then the inability to have several logins to manage a..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2803472)

HA

Helen A.

Procurement

> "As a customer, I love using loyalty program and love having this app on my phone vs having to get paper cards..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4333003)

LR

LYNN R.

owner

> "Too expensive for what we are getting out of it."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2857639)

JG

Joanna G.

Hotel Posta

> "I like that Fivestars focus on environmental issues"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___6031065)

SJ

Steve J.

IT Manager

> "Trying to keep customers coming back by offering rewards and to be able to earn new business but it just didn't..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2223950)

VN

Vy N.

Owner

> "The physical SumUp is sleek and looks good on display."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400)

SY

Shun Y.

Sr. IT Analyst

> "However, some users found it confusing. As it is the same name (Fivestars) for all the business joined, many..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2367427)

DB

DeAndre B.

Marketing and Development Coordinator

> "You can also do reviews and ratings through this application which is nice, however we don't need/ use that..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3603104)

SL

Savannah L.

Owner

> "It can be easily abused by the customers to consistently get free discounts by just waiting a little longer to..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2814729)

HL

Heather L.

Owner

> "The fact that one can be rewarded just for visiting a store or restaurant or any other place of business for that..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3724726)

LR

LYNN R.

owner

> "Can't afford any other services out of it."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2857639)

PF

Peter F.

Director

> "It has made processing payments very easy"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___5082012)

TR

Teri R.

CEO

> "I have now spent nearly 20 minutes on hold waiting to cancel my account and still they have not canceled it."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749)

VN

Vy N.

Owner

> "Inexpensive and good value for even small traders."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4944400)

SJ

Steve J.

IT Manager

> "After using it for a about 6 months, we decided it was more expensive to upkeep than what we got in return."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2223950)

AS

Adina S.

Co-owner of auto repair shop

> "I love being a customer and earning rewards and as a vendor it gives us a chance to offer rewards to our..."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3633836)

KD

Kylie D.

Manager

> "Sometimes this app has crashed and it’s frustrating."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2425253)

CQ

Caitlin Q.

Full-time Student

> "I like that it doesn’t send a lot of text notifications like other companies and apps."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___3544056)

SW

Shameem W.

Manager

> "kind of clunk and not su end user friendly"

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2222688)

LB

Ludo B.

CEO

> "A great way to accept credit card payment with my shop when it's working."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4360195)

TR

Teri R.

CEO

> "WARNING do not sign up."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749)

HA

Helen A.

Procurement

> "It works well and sometimes send me additional rewards to motivate me to visit vendors again."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4333003)

SS

Savanna S.

CS

> "Very expensive."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2207013)

LA

LeAnne A.

Monitor tech

> "It helps with customers rewards profile."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___4318867)

TR

Teri R.

CEO

> "customer service is not good."

[See full review](https://www.capterra.com/p/170673/SumUp-Air/#Capterra___2646749)

[View Reviews](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

## User interface

4.11 (129)

4.46 (1,470)

## 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)

SumUp

22/37

-   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/170673/SumUp-Air/#features)

### Recognition

No recognitions have been awarded to Stax

SumUp is recognized as a top-rated tool in 1 Capterra Shortlist reports

### 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

SumUp

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

SumUp

-   By SumUp
-   Located in Brazil
-   Founded in 2012

## Popular Comparisons

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[Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

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[Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

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4.7

[View full comparison](https://www.capterra.com/compare/170673-275802/SumUp-Air-vs-Square-Point-of-Sale)

[Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/)

vs

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,041)](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)

[SumUp](https://www.capterra.com/p/170673/SumUp-Air/)[4.46 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/)

vs

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/)

$99/month

Price

$38/month

4.4

Features

4.3

4.5

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/170673-190778/SumUp-Air-vs-QuickBooks-Online)