# Stax Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Stax Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/157492/Fattmerchant-Payments-Online --- # Stax Software Review 2026: Features, Integrations, Pros & Cons Last updated on April 28, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Users](#users)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Stax ## What is Stax? Stax is an all-in-one payment technology platform built for businesses that have outgrown flat-rate processors. With subscription-based pricing and 0% markup on direct-cost interchange, Stax saves businesses up to 40% on payment processing fees — no hidden costs, no percentage markups. The platform includes Stax Pay for in-person, online, and mobile payment acceptance; Stax Bill for automated recurring billing and invoicing; CardX for compliant credit card surcharging; and Stax Connect, an embedded payments solution that enables SaaS companies and ISVs to integrate full-stack payment processing directly into their software. As an end-to-end processor, Stax handles the entire transaction lifecycle in-house — from authorization to settlement — giving businesses and software platforms more control, better economics, and dedicated support. Over 30,000 businesses trust Stax to process more than $30 billion in payments. ## What is Stax used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)[Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/) Overall rating Based on 127 user reviews Reviews sentiment Positive 76% Neutral 4% Negative 20% Starting price $99 Flat Rate, Per Month Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Stax alternatives Highest Rated [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,395)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) [4.6 (3,335)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [4.2 (2,035)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.2 (1,304)](https://www.capterra.com/p/135618/Odoo/reviews/) Starting price $31.10 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/alternatives/) ## Who uses Stax? Based on Capterra reviews from the past 3 years Talk to a software expert to get a free software list tailored to your business needs Company size Based on 100 reviews 100% 75% 50% 25% Smallbusiness Midsizebusinesses Enterprise Top job functions Based on 100 reviews Administrative 47% Administrative 47% Health & Medical 11% Entrepreneurs/ Owners 9% Finance & Accounting 8% Others 24% Top industries Based on 100 reviews Health, Wellness and Fitness 35% Retail 25% Automotive 15% Medical Practice 15% Other 10% ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Debit/Credit Card Processing 4.1 (77) 85.71% of 77 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Online Payments 4.2 (61) 77.05% of 61 reviewers that rated this feature as important or highly important Accept and process online payment transactions Multiple Payment Options 4.4 (50) 78.00% of 50 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application Mobile Payments 4.0 (40) 62.50% of 40 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Real-Time Data 4.1 (34) 85.29% of 34 reviewers that rated this feature as important or highly important Receive data and information in real time Payment Links 4.5 (33) 75.76% of 33 reviewers that rated this feature as important or highly important Send clickable links via text or email to collect payments from customers Stax 55 features Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Scan barcodes to ensure accurate pricing and label tracking Create, manage, and send invoices or bills to customers Gateway through which end users can view past bills and pay current invoices Centralized database of stakeholders and their contact information such as names, address, phone number etc. Near-field communication method to share data and process contactless payments Financial system that helps create and manage physical/digital credit cards and track transaction activities Accept and process credit card transactions Add customized logos and colors to align with company branding Invoices that can be tailored according to company's branding, payment terms and personalized information Alter the layout and content of reports Import and export data to and from software applications Synchronizing data between two or more devices/systems and automatically updating changes to maintain consistency Accept and process credit/debit card transactions Track products that are for sale at a reduced price or part of coupon promotions Integrates with eCommerce systems Electronically collect payments for goods or services Digitally sign online documents Generate reports to assess the financial performance of an organization Reward loyal customers with gift cards which they can redeem for special offers and loyalty bonus Transactions that typically involve face-to-face interactions between the payer and the payee Create invoices from scratch or have recurring invoices Store and view prior invoices for each account/client Captures invoice data and maintains comprehensive records for auditing and reporting purposes Creation, processing, verification, and execution of invoices till the payment is made Access software remotely via mobile devices Hardware device connected to smartphones for processing payments Clients can submit payments via mobile devices Manage and handle various international currencies Manage and support multiple locations Process payments via multiple modes directly through the application Create, send, and view electronic invoices Accept and process online payment transactions Integration with payment gateways to facilitate online transactions Send clickable links via text or email to collect payments from customers Accept, record, and reconcile financial transactions Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Accept and process customer payments for products or services using hardware and software Integrates with point of sale (POS) systems Integrates with QuickBooks Receive data and information in real time Active reporting of data and metrics Upload, track, and submit receipts in a central database Automated process of charging customers at regular intervals for repeated access or use of a product or service Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Reports specific to sales analysis for trends and strategies Online portal through which end users can access the system, manage tasks, or obtain information Calculate tax and make deductions on gross income from sources like wages, investments or self-employment Set up connections to third-party platforms to improve business processes Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Monitor or audit historical and current transactions to analyze customer account activities Interact with data visualization elements, such as charts and graphs, to drill down into data Get Advice We can help you find the software with the features you need. Features 4.1 (127) 4.1 Based on 127 reviews ## Pricing Value for money 4.1 (121) Basic $99.00 Flat Rate,Per Month Value for money 4.1 (121) 4.1 Based on 121 reviews ## Integrations [ Slack](https://www.capterra.com/p/135003/Slack/)[ Mailchimp](https://www.capterra.com/p/110228/MailChimp/)[ WordPress](https://www.capterra.com/p/131687/WordPress/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ Zapier](https://www.capterra.com/p/130182/Zapier/)[ WooCommerce](https://www.capterra.com/p/225601/WooCommerce/)[ QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/) 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. ## Support, customer service and training options Customer Service 4.0 (123) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.0 (123) 4.0 Based on 123 reviews ## User reviews Overall rating 4.1 Based on 127 reviews Filter by rating 5(85) 4(12) 3(5) 2(7) 1(18) Mentioned topic Sorted by most recent AM Annie M. Administrative Supervisor Civic & Social Organization ### "Good rates and service" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 2.0 2.0 Customer Service 5.0 5.0 Likelihood to Recommend 7/10 May 5, 2026 Pros The customer service is excellent. The response time and communication is prompt and thorough and the rates are competitive! Cons The lack of accessibility to transactions in real time is a significant disadvantage with the dejavoo devices and device integration across the stax platform very cumbersome Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RP Rebecca P. Co-Owner Printing ### "Great credit card company" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 6/10 April 27, 2026 Stax has a great support team if you have any questions or concerns. The website is easy to manage and I get an email every day telling me how much was deposited into my account. Pros 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. Cons 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 daily. Switched from [Merchant Services](https://www.capterra.com/p/110828/PayConex/) Merchant Services was too expensive to pay monthly. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KV Karsten V. CEO Accounting ### "Great Payment Processor - Good Fee Structure & Support" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 April 27, 2026 Contacted Stax after I got a 20% reserve on Stripe, without warning or being able to contact a human being about it. Stax got me setup within 48 hours with a great fee structure and amazing payment capabilities. Pros Solid fee structure. Personal account manager/support. Ability to take ACH over the phone without micro-deposits. Setup & approved within 48 hours. Cons The UI on their payment portal is wonky. Most other processors have much much prettier UIS. Recurring payment features are also a bit wonky, but it works so whatever. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Stripe gave me an overnight "suspension" because of 2 chargebacks out of 200 transactions. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BG Brian G. Owner and Attorney Legal Services ### "Stax Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 April 27, 2026 The ease of use has been very good on both the app and the desktop version. The interface might not be quite as clean as LawPay, but is fine. Pros The cost of Stax seemed to be the best of any companies that I research, at least for law firm accounts. Cons Initial sales quote comparison to LawPay seemed deceptive, insofar as monthly charge was not included until I asked for a revision. Switched from [8am LawPay](https://www.capterra.com/p/177253/LawPay/) Monthly fees were needlessly high, especially given my volume and history. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MC Michael C. Owner Automotive ### "Stax CC Processing" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 April 27, 2026 Pros Excellent customer service and communication. Easy process, support through set up and initiation of portals, simple transaction process, works well with our API and online website payments. The card reader is easy, simple and stress free for accepting payments on site. Cons The first card reader was defective forcing us to have to manually enter payments which was time consuming. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reasons for choosing Stax Cost, needs, Customer service, integration with our system Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. TS todd s. Owner Health, Wellness and Fitness ### "Stax rating and review" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 April 27, 2026 After one month of using Stax as our merchant account provider, I can confidently say it has exceeded my expectations in nearly every way. The value proposition is immediately apparent — the subscription-based pricing model has delivered noticeable savings on transaction fees compared to traditional percentage-based processors, and those savings add up quickly for a business processing regular volume. The website is clean, intuitive, and easy to navigate, making day-to-day management straightforward even for someone who isn't particularly tech-savvy. What has impressed me most, though, is the reporting suite — the dashboards and transaction reports are detailed, well-organized, and genuinely useful for understanding business performance at a glance. If you're evaluating merchant account options and haven't looked at Stax, I'd strongly encourage you to do so. One month in, I'm a very satisfied customer. Pros The quick next day funding to my account and low transaction fees. Very easy to use website and customer tools Cons I did a transaction late Friday, and did not receive payment until Monday. So no payments on Sundays it seems, but that could be because of my bank. Switched from [Quicken](https://www.capterra.com/p/151854/Quicken/) transaction fees were high with quicken. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. LS LESLEY S. Therapist Health, Wellness and Fitness ### "Lots of good, some meh" 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 5.0 5.0 Likelihood to Recommend 7/10 April 27, 2026 Over all I am pleased with the pricing, but it is less convenient than Square in many way. Customer service has been helpful and responds in a timely fashion. Pros I picked Stax because Square was increasing its prices, and I wanted to avoid passing more costs on to my customers. Cons It takes to long for yesterdays charges to make it to my bank account. Using Square, if it was charged by 8pm, it was deposited very early the next morning. The dashboard on the mobile app is not as user friendly or capable as I would like in checking daily, weekly charges. New payments using store credit cards is time consuming and cumbersome. Switched from [Squarespace](https://www.capterra.com/p/143461/Squarespace/) They were raising rates, and I did not want to pass on higher costs to my clients. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/) Reasons for choosing Stax It made the most sense financially and had the best reviews. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor April 28, 2026 Thank you so much for your valuable feedback. We are sorry to hear about your experience but are glad to hear our support team was able to help assist you. Your satisfaction is our top priority, and we are eager to address your concerns. If you still need assistance, feel free to contact our support team at support@staxpayments.com. AH Andrea H. COO Construction ### "Very Easy to USe" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 27, 2026 Working with Stax Payments has been very pleasant. The application and the reporting meet our needs. Pros Ease of Use & Financial Management: simple operations and clear control of finances for our small team. Cons No cons so far. Everything is working as promised, It's great overall. Highly satisfied. Thank you very much! Switched from [Clover](https://www.capterra.com/p/226864/Clover/) Ease of use and available to work in line with Dispatch app Alternatives considered [CardPointe](https://www.capterra.com/p/207548/CardPointe/) Reasons for choosing Stax It was very easy to set up with the Dispatch application Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JD Jesus D. Administrator Health, Wellness and Fitness ### "STAX Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 April 27, 2026 Great so far. The assistance to get the program started has been amazing. All the support has been to Pat Pros Payment processing is easy and flexible. Only paying the interchange and a nominal fee per transaction. Cons The monthly fee should be scaled down as we process more otherwise the system is great. It’s meeting all the expectations Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) [Stripe Billing](https://www.capterra.com/p/178774/Stripe-Billing/) Expensive and held to much funding which isn’t necessary Alternatives considered [FinX](https://www.capterra.com/p/10022904/FinX/) Reasons for choosing Stax Better customer service and ease of explaining product Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AM Aaron M. Operations Management Retail ### "Access my IQ problem resolution" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 21, 2026 Pros Jessica in customer Service was sooooo00000000 helpful with getting me into the Access my IQ website Cons Nothing. Jessica in customer Service was sooooo00000000 helpful with getting me into the Access my IQ website Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [PayPal vs Stax](https://www.capterra.com/compare/157492-207944/Fattmerchant-Payments-Online-vs-PayPal)[Venmo vs Stax](https://www.capterra.com/compare/157492-222572/Fattmerchant-Payments-Online-vs-Venmo-)[Stripe vs Stax](https://www.capterra.com/compare/123889-157492/Stripe-vs-Fattmerchant-Payments-Online)[Square Payments vs Stax](https://www.capterra.com/compare/157492-170278/Fattmerchant-Payments-Online-vs-Square-Payments-Processing) [Square Point of Sale vs Stax](https://www.capterra.com/compare/157492-275802/Fattmerchant-Payments-Online-vs-Square-Point-of-Sale)[NetSuite vs Stax](https://www.capterra.com/compare/135757-157492/NetSuite-vs-Fattmerchant-Payments-Online)[QuickBooks Money vs Stax](https://www.capterra.com/compare/157492-170065/Fattmerchant-Payments-Online-vs-QuickBooks-Money)[Heartland Payments+ vs Stax](https://www.capterra.com/compare/119791-157492/Heartland-Payment-Processing-vs-Fattmerchant-Payments-Online)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)