--- title: "Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Stax the right Payment Processing solution for you? Explore 146 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/" page_type: "reviews" language: "en" --- Stax 4.2 (146) [View alternatives](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated September 16th, 2026 # Reviews of Stax Ease of use 4.3 Customer Service 4.1 ## Pros and Cons in Reviews MC Michael C OwnerAutomotive, Self-employedUsed the software for: Less than 6 months. “Easy process, support through set up and initiation of portals, simple transaction process, works well with our API and online website payments.“ April 27, 2026 RP Rebecca P Co-OwnerPrinting, 2 - 10 employeesUsed the software for: Less than 6 months. “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.“ April 27, 2026 JH Jason H OwnerFood & Beverages, 11 - 50 employeesUsed the software for: Less than 6 months. “Powerful Features: Users value the robust, all-in-one system that includes advanced invoicing, recurring billing, and "Text2Pay" options.“ October 22, 2025 LS LESLEY S TherapistHealth, Wellness and Fitness, Self-employedUsed the software for: Less than 6 months. “The dashboard on the mobile app is not as user friendly or capable as I would like in checking daily, weekly charges.“ April 27, 2026 RP Rebecca P Co-OwnerPrinting, 2 - 10 employeesUsed the software for: Less than 6 months. “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.“ April 27, 2026 KR Kerri R OwnerConstruction, 2 - 10 employeesUsed the software for: 6-12 months. “What I like least about Stax is the monthly fees, as they are way too expensive and it’s not comparable to other merchant processors.“ August 19, 2026 WW Wes W Sales and Marketing DirectorFishery, 2 - 10 employeesUsed the software for: Less than 6 months. “Automatic transfers into our bank account has been wonderful as well, as it takes a step out of the process and doesn't need to be verified manually.“ June 24, 2026 CC Christina C OwnerWholesale, 2 - 10 employeesUsed the software for: 6-12 months. “Additionally, certain fees and pricing structures may take time to fully understand compared to simpler flat-rate processors.“ June 23, 2026 ## Showing most helpful reviews Showing 1-25 of 146 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Matt M. Founder Marketing and Advertising Used the software for: 6-12 months ### "We save $1,000's on fees with FattMerchant" December 3, 2019 5.0 Their support is great. I've had dozens of questions and they always get back to me. And they send your payments super fast. Great experience overall. Pros Flat rate pricing! Oh man, this is a breath of fresh air. After using stripe and square to process payments we have absolutely loved the simplified pricing structure that Fattmerchant uses. Only paying interchange fees and a fixed monthly rate saves us $100's each month. Cons The integrations are weak. We've had to build a few workarounds to get fattmerchant to work with our tech stack but it's been worth it. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Pricing and better customer service. It's nice to work with real humans. Review Source RE Rebecca E. Director of Operations Legal Services Used the software for: 1-2 years ### "Make the switch today!" March 17, 2026 5.0 Since from transitioning from Clover to Stax two years ago, our company has saved a considerable amount in processing fees not to mention time saved from searching for past invoices. The reporting features and dash board is easy to use, support team is readily available (shout out to \[sensitive content hidden\]), and invoicing and payment plan features are extremely helpful. Highly recommend! Pros Transitioning to Stax was quite simple and easy to manage with a user friendly dashboard and available support. Other pluses include customer invoicing feature for online payment requests as well as setting up recurring payment plan options. Cons Occasional lag time with reporting delays, we had an issue with QBO syncing as well which resulted in duplicate invoices. Switched from [Clover](https://www.capterra.com/p/226864/Clover/) Fees were too high, lack of options for client billing Review Source JS Jaspreet S. President Retail Used the software for: Less than 6 months ### "Worst Support experience" December 12, 2025 1.0 Easy to sign up but worst experience getting simple but critical technical issues. Support and leadership both have been disappointing ao far. Pros Processing rates are competitive, even though they are higher than promised. Sales team was responsive enough. Cons Support is extremely slow and incompetent to resolve critical issues even after 6 weeks of reporting. Even the leadership doesn't understand how much 'compliance violation' can hurt a merchant and Stax itself. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reason for choosing Stax Stax sales responded first and gave me competitive rates, Helcim had better rates though but was too late Switched from [Genius](https://www.capterra.com/p/195074/Genius/) Recent abrupt Processing rates changes.. Review Source Response from Stax Payments, Inc December 17, 2025 We’re sorry to hear that this was your experience. Our teams made multiple efforts to remain in communication while working to resolve the issue as quickly as possible. We regret that our efforts did not meet your expectations. If there is anything further we can assist with regarding your account, please don’t hesitate to reach out. Our leadership team remains available to support. Thank you. MR Mike R. Managing Member Retail Used the software for: Less than 6 months ### "Good with a caveat" June 23, 2026 4.0 Overall this is an excellent system. Easy to learn and reliable. There are a couple of drawbacks, but overall I'm glad we switched. Pros It is an excellent value and works quite well in our little brick and mortar store. The payment processing just works. Cons I wish that I could easily see the transactions for the previous day (like Square). It is making our daily reporting quite difficult. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reason for choosing Stax Stax had the lowest cost of all competitors Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) We switched to lower our cost of doing business. Review Source JD Jesus D. Administrator Health, Wellness and Fitness Used the software for: Less than 6 months ### "STAX Review" April 27, 2026 5.0 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 Alternatives considered [FinX](https://www.capterra.com/p/10022904/FinX/) Reason for choosing Stax Better customer service and ease of explaining product 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 Review Source KP Kim P. Owner Design Used the software for: 2+ years ### "\[sensitive content hidden\] are both AWESOME!" December 5, 2025 5.0 Outstanding. I'm busy so when I find a service I can trust and not question their practices, I stick with them. We've been with Stax for longer than I can remember at this point, and I don't plan on going anywhere. Pros We've been with them for years. Always great service. \[sensitive content hidden\] is fantastic! Clear, concise and explains things very well. 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 her something! :) Cons Nothing. It's the easy button where credit card processing is concerned. No one loves paying credit card fees, but since we have to, we're happy to have Stax. Switched from [Merchant Services](https://www.capterra.com/p/110828/PayConex/) Wasn't happy with anything. Reconciling bank statements was a nightmare. Review Source JM John M. CEO Health, Wellness and Fitness Used the software for: 1-2 years ### "Awesome merchant account!" February 25, 2026 5.0 Pros It was easy to use. Good customer service. Quick processing times. Overall, it has been an excellent merchant account. Cons Onboarding to a bit of time. They requested a bunch of documents because we were considered a "high risk" business. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) They would not operate in our business space. Review Source Response from Stax Payments, Inc February 26, 2026 Thank you for taking the time to share your experience!! Your kind words about our team are much appreciated. We appreciate your continued partnership with Stax. Refer a business to Stax & earn $500 when they sign up! Your referral will also get their first month free on us. Get started by using this link - https://staxpayments.com/referral/ BR Brittney R. Director of Revenue Cycle Hospital & Health Care Used the software for: Less than 6 months ### "Stax is AMAZING! " February 25, 2026 5.0 Very good! The contracts upon set up process were very confusing and a lot of the fees didn't pertain specifically for what we would ever need. Beyond that everything has been good. Pros Credit card payments are very easy to process for any user. Love that we have access to see all payments that are processed in a user-friendly portal. Highly recommend Stax payment processing! Cons Portal access can't be set up for different locations by me (admin) and we have to reach out to a STAX rep to get this set up. Switched from [Clover](https://www.capterra.com/p/226864/Clover/) Our machines we purchased 5 years ago all needed to be updated, they are VERY expensive machines and Stax was very affordable compared to Clover. Review Source Response from Stax Payments, Inc February 26, 2026 Thank you for taking the time to share your experience!! We appreciate your continued partnership with Stax. Refer a business to Stax & earn $500 when they sign up! Your referral will also get their first month free on us. Get started by using this link - https://staxpayments.com/referral/ DJ David J. Owner Sporting Goods Used the software for: Less than 6 months ### "First month struggles" February 25, 2026 5.0 Pros Lower fees Next day payment \[sensitive content hidden\] my CSR is fantastic Not overkill on the software functionality, but could be a little more sophisticated. Cons The POS Terminal leaves much to be desired. It constantly loses its WIFI connection even when WIFI is present and allowing several other pieces of equipment to function properly. I have had Comcast out to certify that everything is functioning correct on my end and I am on my second terminal in less than a month. Currently I am running on Bluetooth tethering to my phone to function. Extremely frustrating. I want to make this work, but I am almost out of patience. Switched from [Lightspeed Retail](https://www.capterra.com/p/120491/Lightspeed-Retail/) Did not need all the functionality of LS Faster Payment Lower Fees Review Source Response from Stax Payments, Inc February 26, 2026 Thank you so much for your valuable feedback. We are sorry to hear about your experience but are glad to hear you are benefitting from lower fees. 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. RS Rich S. President Consumer Goods Used the software for: Less than 6 months ### "Stax is #1" June 23, 2026 5.0 Very happy. I have told my friends that own businesses that Stax is the best. They credit my account right away, no waiting for days. Pros Easy to use. Much better than Converge. Very fast and easy to see activity. Also, the cheapest I have found and I have tried them all. Cons Nothing so far...with other systems, it was hard sometimes to find a charge that I needed to look at, but with Stax, everything is right there. Switched from [ConvergeHub](https://www.capterra.com/p/134185/ConvergeHub/) To save money. Also Converge would lag on the payments. Review Source JE JOSEPH E. CFO Printing Used the software for: 2+ years ### "Excellent at first, then just okay..." September 23, 2025 4.0 Customer service is rarely necessary, but the few times we have needed assistance the results have been slow and frustrating responses. Pros Simplicity, issues are rare, price seemed reasonable at first but moved from an untouchable rate to merely competitive within a few years. Cons The flat monthly rate was very easy to understand, but the price just keeps jumping inexplicably year over year, more than double where it started five years ago. Classic case of opening with a good deal then taking advantage later. Alternatives considered [Chase Software](https://www.capterra.com/p/206180/Chase-Software/) Reason for choosing Stax price, ease of use, easy to understand pricing Switched from [Merchant One](https://www.capterra.com/p/175182/Perka/) price was the main factor - we were a startup company and saw rapid growth that warranted a better rate Review Source Response from Stax Payments, Inc September 29, 2025 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. JB Jason B. Owner Transportation/Trucking/Railroad Used the software for: Less than 6 months ### "Better and cheaper. " September 23, 2025 5.0 Overall my experience with Stax has been pleasant. I am enjoying the simplicity of cost structure. And the information available to me inside the software. Pros Ease of use and the software has a short learning curve. It didn’t take long to figure out the software front to back. Cons I wish there were a few added features/field when taking a payment that would shorten the process time. Like including the email field and customer notes field to the “take a payment” windows. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reason for choosing Stax I liked the software a little better. Helcim required a little more time to process a simple deposit. Switched from [authorize.net](https://www.capterra.com/p/221412/authorizenet/) To save money. Only to save money. Save Money. Review Source Response from Stax Payments, Inc September 29, 2025 Thank you for taking the time to share your experience!! Your kind words about our team are much appreciated. We appreciate your continued partnership with Stax. Refer a business to Stax & earn $500 when they sign up! Your referral will also get their first month free on us. Get started by using this link - https://staxpayments.com/referral/ BG Brian G. Owner and Attorney Legal Services Used the software for: Less than 6 months ### "Stax Review" April 27, 2026 5.0 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 RB Rebecca B. Administrative Assistant Veterinary Used the software for: 2+ years ### "Stax is the best" February 26, 2026 5.0 Pros Stax is incredibly user friendly and easy to learn. The payment processing service is cost effective, secure, and easily accessed online. The support we received from \[sensitive content hidden\] was phenomenal! Cons Occasionally the lowest tier support can be less than stellar. In that case, we request escalation and always get the help we need. Otherwise, we love Stax. Review Source Response from Stax Payments, Inc February 27, 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. AM Annie M. Administrative Supervisor Civic & Social Organization Used the software for: 2+ years ### "Good rates and service" May 5, 2026 4.0 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 tS todd S. Owner Health, Wellness and Fitness Used the software for: Less than 6 months ### "Stax rating and review" April 27, 2026 5.0 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 JK Jennifer K. Office Manager Medical Practice Used the software for: 2+ years ### "Back in Business" January 28, 2026 5.0 \[sensitive content hidden\] was great. He called me back very quickly and solved our problem all before we took our first payment! We are back in business! Pros Easy to use. Quick customer service. I texted in our problem and received a call back before the first patient came through the door! Cons 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 phone # Review Source KC Kim C. CFO Information Technology and Services Used the software for: 2+ years ### "Saturday service" November 23, 2025 4.0 We have been with Stax for ~8 years and it's been good. My only complaint is they have not updated system to integrate with auto matching payments to QB in 8 years....maybe needs a little more research/development. Pros Great customer service, I appreciate \[sensitive content hidden\] being available on a Saturday afternoon to assist me in getting into Cardx. Cons The thing I like least about Stax is that is does not integrate with Quickbooks by auto matching the transactions. I have to go in manually every month and match them. Review Source BB Brittney B. Practice Manager Health, Wellness and Fitness Used the software for: 1-2 years ### "Best Payment Processor I've used" October 16, 2025 5.0 Excellent experience overall. The system is simple to navigate and easy to learn. Super user friendly, and whenever a issue arises, their support staff handle it quickly and tactfully. Pros Stax is by far the most user friendly payment processor I've ever used. It is quick and easy, and give customers a variety of way to submit payment. Their support staff is also fantastic. I get quick solutions and support and the techs are always friendly and knowledgeable. Navigating the system is simple and it's easy to learn all the ways to utilize the system quickly. The ability to invoice clients and email them directly is so convenient. Cons I have not had any cons thus far in my experience with Stax. I've been using them for about 2 years now. Review Source CE Cory E. Owner Construction Used the software for: 2+ years ### "Rate Reduction Assistance" November 6, 2025 5.0 Overall, I was able to get my rate reduced to where I need it to be as a small business owner and \[sensitive content hidden\] was very professional and helpful following up with me via phone as well as email to close the loop. Pros I've had invoicing questions for the last 6 weeks and was able to resolve them while working with \[sensitive content hidden\]. Cons I originally worked with Cole but the ticket got closed out and I wasn't able to resolve the issue while working with him directly. So I had to call back in a few times and send multiple emails. Review Source ES Elisa S. Administrative Assistant Medical Practice Used the software for: 1-2 years ### "GOOD JOB, \[sensitive content hidden\]!" December 23, 2025 5.0 \[sensitive content hidden\]. helped make sense of our confusing situation and made it all easy to understand. Because of his help, our situation got completely resolved and I'm happy to say we won't have to try to resolve it again. Pros I really appreciated how thorough \[sensitive content hidden\] (my Customer Support Specialist) was on our support call . Cons I don't have any cons! My role is admin assistant for the office, so I never used the Dejavoo terminals personally. I was just calling to find out if we needed to return the third one we used. Review Source EB Evin B. Manager Hospitality Used the software for: 2+ years ### "Pleased with Stax" September 5, 2025 5.0 Pros Stax has made it easy to process payments and keep fees reasonable. Shae was really helpful with answering questions I had quickly. Cons The login link is really hard to get to. We have to have it copy and pasted to each other and keep it bookmarked to get into the portal. The 2MFA also has me redo it twice, so it's like a 4MFA instead. Review Source Response from Stax Payments, Inc September 9, 2025 Thank you for taking the time to share your experience!! Your kind words about our team are much appreciated. We appreciate your continued partnership with Stax. Refer a business to Stax & earn $500 when they sign up! Your referral will also get their first month free on us. Get started by using this link - https://staxpayments.com/referral/ BM Benita M. Sr. Accountant Office Manager Building Materials Used the software for: 1-2 years ### "Sr. Accountant/Office Manager" October 30, 2025 5.0 \[sensitive content hidden\] was very helpful. I was able to solve and find out the where the discrepancy was. Thank you very much \[sensitive content hidden\] I appreciate very much your help. Pros Save Time. and its very convenient for our clients. Efficient and effective. It gives the results right away and it is fast. Cons None. They combined some of the amounts. I wish they just separate each one specially the large amount of deposits. It is just a suggestion. Review Source DV Drew V. CEO Hospital & Health Care Used the software for: Less than 6 months ### "You asked and here’s the truth " December 12, 2025 1.0 0/10 this was the worst experience in 23 years of practice and dealing with credit card processors .. I will not be referring my you Pros Stax set up cost me $12,000 in set up as when we switched clover system they didn’t do auto batch even though your onboarding staff said everything would be the same ..The lack of auto batch was discovered 2 months later which caused charges to drop & we didn’t get paid and those credit cards are no longer valid Cons We had to collect over $150,000 from past payments because of your setup error which you blamed on clover … bottom line if we never switched to stax I would be $12,000 Review Source Response from Stax Payments, Inc December 17, 2025 We are sorry to hear that this was your experience with our team. If we can still assist with escalating this matter to a senior leadership team member, please contact our Customer Support Team at support@staxpayments.com. FM Frank M. president Furniture Used the software for: Less than 6 months ### "My review of Stax Payments system " February 26, 2026 5.0 It was a bit getting Stax working properly. However, I am very satisfied at this point and happy I am using Stax processing. Pros Customers spend more when they can pay by card instead of cash. Businesses that accept cards often see higher sales and larger purchases because customers aren’t limited by cash on hand. Credit cards also encourage impulse buying. Simply put: more payment options = more completed sales. Cons Customer service is very good but it some times takes a while to reach someone. Having said that I am happy with Stax customer service overall. Review Source Response from Stax Payments, Inc March 2, 2026 Thank you for taking the time to share your experience!! We appreciate your continued partnership with Stax. Refer a business to Stax & earn $500 when they sign up! Your referral will also get their first month free on us. 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