--- title: "Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Stax the right Payment Processing solution for you? Explore 142 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 (142) 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 August 3rd, 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 RJ Rhonda J Office MangerMedical Practice, 2 - 10 employeesUsed the software for: Less than 6 months. “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.“ February 25, 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 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 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 142 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use VR Verified Reviewer IT Manager Retail Used the software for: 2+ years ### "Stax - Better than the rest!" September 9, 2025 5.0 Overall Stax is 10/10 I've shopped around for other solutions and no one else can compare. On either price or support. Pros While Stax is becoming a larger and larger you still maintain communications with their fantastic US based support team who will do EVERYTHING in their power to chase down any issue you may have. Cons Rate changes can be hard to follow however that is due to the underlying processor changing and Stax works with you to ensure smooth processing. Switched from [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/) The processing cost was drastically lower. Review Source Response from Fattmerchant 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/ KV Karsten V. CEO Accounting Used the software for: Less than 6 months ### "Great Payment Processor - Good Fee Structure & Support" April 27, 2026 5.0 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 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 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 Fattmerchant 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. 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 SS Simon S. Sales Construction Used the software for: Less than 6 months ### "Stax review" June 23, 2026 4.0 Pros Integrates with other apps via their api and can get to a human for fixing of issues. !!!!!!!!!!!!!! Cons Initial movement took some time while onboarding. Batching on two different machines had a conflict ! Alternatives considered [CASH](https://www.capterra.com/p/92976/CASH/) Reason for choosing Stax Customer service rep replied I hate extra characters Review Source RW Richard W. Psychiatrist Hospital & Health Care Used the software for: Less than 6 months ### "Psychiatrist’s review " June 23, 2026 5.0 Extremely positive. I appreciate being able to receive payment the next business day and having flexibility with remote and in person payments. Pros It is fast, convenient, and reliable. I am able to receive payment the next day and I have the opportunity to receive funds remotely or in person. Cons Nothing is wrong. Stax is creating efficiency in my psychiatric practice so that I receive payment quickly. Review Source CG Cami G. Office Manager Medical Practice Used the software for: Less than 6 months ### "Great solution for our startup!" June 24, 2026 5.0 It has been great. User friendly system with good customer service when needed. Also very easy for our end users to navigate payments. Pros Stax was easy to learn, and the onboarding call I had was great with a very knowledgeable representative who had patience and answers did all my questions. Cons I wish there was a good way to set up end users under customers…such as patients under a specific provider office. Review Source Response from Fattmerchant August 6, 2026 Thank you for taking the time to share your experience!! Your kind words about our customer success 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/ aP andy P. president Business Supplies and Equipment Used the software for: Less than 6 months ### "Stax is good " June 23, 2026 5.0 Pros Easy to navigate, good prices, I like everything about it, highly recommend to anyone looking for CC processing Cons Nothing to complain about, I can not think of a negative, what more can I say except go STAX GO !!!! Review Source Vasilis A. Team manager Higher Education Used the software for: 6-12 months ### "Stax easy and useful " December 17, 2022 5.0 Pros It is easy to use program with good looking interface. The support is perfect and the flat rate pricing is the best Cons I haven't any con some bugs maybe appear but they fix them immediately Review Source ME Marianne E. Accountant Retail Used the software for: 1-2 years ### "\[sensitive content hidden\] did a great job, Lets make him your standard for Customer Service." September 9, 2025 5.0 Overall, this interaction with customer support has been great. \[sensitive content hidden\] was very helpful, kind, and knowledgeable. That is not my normal experience with Stax Customer Service. Pros Value for Money, Ease of use, and able to follow the payments. The product is great. We do not use invoicing but we have multiple ways to allow a customer to make payments and that is very helpful. Cons The fact that our pricing goes up every quarter or six months it seems. Customer service leaves a lot to be desired on a regular basis. The answers we receive are not always consistent. 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. Also, the fact that World pay can hold up a customer's refund is appalling. I am working with Stax not World Pay. If my customer wants a refund this should not take long, or I should not have to call and get it released. I have much more to say on this, but it is not the fault of \[sensitive content hidden\] who did a fabulous job today. Alternatives considered [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reason for choosing Stax We liked the cost at the time and the promise of no increase in fees. That turned out to be a misrepresentation and a large number of the things promised were taken away when Fattmerchant changed to Stax. Switched from [InstaMed](https://www.capterra.com/p/210147/InstaMed/) This is not the correct product, it was Chase Payment Processing but did not have this as an option. We switched because we liked the interface and the cost, however, Chase had much better customer service. Review Source Response from Fattmerchant 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/ AB Adrienne B. Office Manager Medical Practice Used the software for: 2+ years ### "Office Manager" August 29, 2025 4.0 Overall, it has been a positive experience compared to other merchant services. When looking at the fees divided by the collections, it's definitely the lowest rate I've seen so far. Pros The rate is the lowest I've seen among competitors. The system is very easy to use and requires zero training. A lot of capabilities as well (ex: can send a payment link to customers as opposed to taking payments over the phone). Customer support is very easy to deal with as well. Cons If you're not careful looking at the "other fees," they could be charging you a small amount monthly for a service you never signed up for. Sometimes these fees just show up out of nowhere. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/)[Squarespace](https://www.capterra.com/p/143461/Squarespace/) Reason for choosing Stax Stax seemed to have the best rates at the time we were looking. Switched from [TravelBank](https://www.capterra.com/p/170784/TravelBank/) The fees were higher with the bank. Even though the bank had same day funding, it was still worth it to switch to Stax. Review Source 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 Fattmerchant 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. EB Edgar B. Controller Retail Used the software for: Less than 6 months ### "Stax easy to use and very good CS" February 26, 2026 5.0 very good experience with customer service and bank deposit transfer. We have no issue in regard to deposits, all transactions are accounted for. Pros easy to use and navigate website. Just browsing through the fields, I was able to find the reports I need and the daily deposits I am looking for Cons I have to sign in to another website (Payments Insider) to print the monthly statement. The monthly statement is not available in the Stax portal. Alternatives considered [Benchmark](https://www.capterra.com/p/106837/Benchmark/)[Paya](https://www.capterra.com/p/251803/Paya/) Reason for choosing Stax yes, better cc fee and charged directly to customer Switched from [Benchmark](https://www.capterra.com/p/106837/Benchmark/) better or lower cc processing fee, Stax charges less cc fee compared to Benchmark Review Source Response from Fattmerchant March 2, 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/ 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 Fattmerchant 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/ AN Anthony N. Owner Automotive Used the software for: Less than 6 months ### "Happy customer " May 20, 2026 5.0 My overall experience with Stax was very positive. It was easy to use, reliable, and helpful. Will recommend to anyone Pros Stax made payments simple and fast, with great support, easy setup, and smooth day-to-day use. No complaints Cons Pricing felt high for smaller businesses, and some features took extra time to understand. at first. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing Stax The price was intriguing and the convenience as well. Excellent phone call. Review Source JS Joseph S. VP Automotive Used the software for: Less than 6 months ### "Keep more of your money! Make the switch!" November 17, 2025 5.0 Pros Stax saved me .5% off my monthly bill, which doesn't seem like much but REALLY added up fast. Add to that the process was quick and easy and it's a no brainer. Cons Nothing much to say in the "don't like" camp. I guess that I had to buy my own terminal? But that's anywhere and the savings paid for the terminal within months. Alternatives considered [Eleven](https://www.capterra.com/p/245922/Eleven/) Reason for choosing Stax Price and customer service. Also the reviews were good. Switched from [Eleven](https://www.capterra.com/p/245922/Eleven/) Mostly price. I started looking because Eleven made me switch terminals and wouldn't accept a third party machine. 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 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 CS Chelcie S. Vice President Treasurer Owner Electrical/Electronic Manufacturing Used the software for: 1-2 years ### "Quick customer service" September 11, 2025 5.0 The best part is the quick response - even when submitting a ticket! I can literally just wait a few minutes and know that someone will email me back pretty quick with an answer to my question. Pros I prefer chat BUT even though you may sometimes have to do "a ticket" - it doesn't take long for someone to reply. Cons Would be nice to have access to your processing limit amount somewhere inside your account. Between my two businesses I have a hard time remembering what is what. Review Source Response from Fattmerchant 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/ 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 Fattmerchant 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/ BE Belinda E. Operations Manager Financial Services Used the software for: 2+ years ### "Second time was the charm thanks to \[sensitive content hidden\]" December 19, 2025 5.0 Overall, more training of other staff members is necessary to help them improve their communication and problem-solving skills. \[sensitive content hidden\] on the other hand, was fantastic. Pros \[sensitive content hidden\] was extremely helpful and communicative. He went above and beyond to ensure that my request was properly completed, which is something that previous support staff did not do with me on a previous/similar request. Cons My previous request was not handled properly back in October, so my request was not completed in that first ticket due to a less-helpful Support Specialist named \[sensitive content hidden\] (this person may need additional training on better supporting customers and problem-solving). This first request for help was never completed, and I ended up being ghosted. Review Source Response from Fattmerchant December 23, 2025 Hi Belinda, Thanks for your feedback, I'm glad you were able to get the help you needed on your request. I'd love the chance to talk with you further regarding your October experience. If you are open to it, please send me an email and we can schedule time. Thank you! MM Maisa M. CFO Health, Wellness and Fitness Used the software for: 1-2 years ### "Start saving money now!" December 12, 2025 5.0 Pros Very easy to utilize and you can schedule payments which is really cool. We definitely have saved a lot of time after starting using it. Cons We like everything, it works like it is supposed to. Maybe we would like not to pay the debit card fee if possible or pay less. Review Source ES Eric S. Owner Consumer Goods Used the software for: 6-12 months ### "If credit card processing is a major source of cashflow, DONT USE STAX" June 30, 2025 1.0 Switched over to Stax at the beginning of 2025, all was well, ran approx. 450 transactions a month, was close to $1mm in revenue through them and they froze my merchant account without warning. The freeze started on a friday and lasted the whole weekend (in which we were working and running cards). The total they froze was $45k in revenue. Customer service was awful and acted like this wasnt a big deal, to a small business its a very big deal. Never could get a direct phone number to speak with someone through this whole incident, email only. Took me 14 days to for them to release my funds. But you can bet they took there fees and monthly membership out right on time (before they released the funds). I requested a two month membership refund (which wouldnt even cover the cost of money I had to borrow to float this cashflow nightmare) and they refused. If you own a small business and credit card processing is an important part of cashflow DO NOT USE STAX Pros Nothing special about their processing verses my previous company, was promised better rates and im not even sure that was happening Cons Horrible customer service. The savings pale in comparison to the pain and heartache of dealing with them. Review Source ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Talk to a Capterra advisor for free and get results within 15 minutes.