# Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Stax the right Payment Processing solution for you? Explore 126 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews --- Stax 4.1 (126) 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 April 28th, 2026 # Reviews of Stax Ease of use 4.3 Customer Service 4.0 ## Pros and Cons in Reviews 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 AG Alex G OwnerInsurance, Self-employedUsed the software for: 1-2 years. “Money is directly deposited to my account with no problem usually within 1-2 days and the service provided and fees are reasonable.“ December 9, 2025 JK Jennifer K Office ManagerMedical Practice, 11 - 50 employeesUsed the software for: More than 2 years. “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 #“ January 28, 2026 AG Alex G OwnerInsurance, Self-employedUsed the software for: 1-2 years. “The machine is user friendly, and it automatically prints reports at the end of day for your production numbers.“ December 9, 2025 AK Adam K COOHospitality, 51 - 200 employeesUsed the software for: More than 2 years. “It all starts out well. But, it's very far from transparent and extremely shady with the fees and the pricing. If you try to get support on a fee/pricing issue, it's almost like a planned ignorance type of framework where you'll have to make many calls and send many emails to wade through the mess of nonsensical and unhelpful responses to get to someone who actually knows what they're talking about. “ October 14, 2024 RG Ron G OwnerRetail, 2 - 10 employeesUsed the software for: 1-2 years. “They do offer unparalleled options for card processing with transparent billing and information. “ August 29, 2025 EW Emma W Practice AdministratorCosmetics, 2 - 10 employeesUsed the software for: Less than 6 months. “We were also told batches would automatically close out at the end of each day, also not true.“ December 12, 2025 ## Showing most helpful reviews Showing 1-25 of 126 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 is 10/10 I've shopped around for other solutions and no one else can compare. On either price or support. Pros While 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 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/ SK Syeda K. Owner Health, Wellness and Fitness Used the software for: Less than 6 months ### "Always a good experience " February 28, 2026 5.0 Great experience. Had such a good history with , I’m not using it at my second office that recently opened Pros is very easy to use. It also has simple billing and reasonable fees compared to other terminals Cons Not really much. It would’ve been nice if the online terminal was free to use as part of the subscription Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing Stax is more reasonably priced for larger transactions Review Source Response from Fattmerchant March 3, 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/ 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 itself. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reason for choosing 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. TG Tom G. Owner Automotive Used the software for: Less than 6 months ### "Stac works well" February 25, 2026 4.0 I’m happy with it. If the direct deposit occurred next business day morning. That’s my only real gripe. Pros I like the ease of set up. And that you can use multiple devices to run the dongle. It makes it easy. Cons I’m frustrated that deposits are not always next business day. Sometimes it happens next day others two days. Sometimes it’s there early in the morning others late in the afternoon. Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Because it creates more effort within the Quickbooks system. 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 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. JG Joe G. President Construction Used the software for: Less than 6 months ### "Great service and communication " February 25, 2026 5.0 Very satisfied and affordable processing company. It's easy to understand their fees and status of payments. Pros They are great with communicating with the business owner, they even helped with completing the PCI compliance forms. Cons No cons yet. The app and SimpleSwipe are extremely easy to use tools for payment processing. Would highly recommend Switched from [Deluxe Payment Exchange](https://www.capterra.com/p/166710/Deluxe-eChecks/) They never contacted me, the salesperson who got me to use the product never called or returned messages. Billing was not clear. Review Source Response from Fattmerchant 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/ RJ Rhonda J. Office Manger Medical Practice Used the software for: Less than 6 months ### "Wifi troubles" February 25, 2026 4.0 Overall customer service is a great time to work with. They actually talk to you on the phone. they are on top of every problem. The device itself is a different story. Pros it is easy to use. Online access is easy to understand. Payment processing is easy. Learning curve was self explanatory. Cons 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. System is to old to hook up the our advanced wifi. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Squares processing fees where very high. 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 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. 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 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 customer service overall. Review Source Response from Fattmerchant 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. Get started by using this link - https://staxpayments.com/referral/ TB Twila B. Office Manager Health, Wellness and Fitness Used the software for: Less than 6 months ### "1st Month With Stax" March 25, 2026 5.0 It has been very smooth and streamlined. \[sensitive content hidden\] the sales rep that I worked with was great. Customer service has been great as well Pros I like the fact that there is just one set monthly fee. It takes the guess work out of trying to navigate credit card fees each month. Cons Nothing yet. This is our first month with then and I haven't found anything yet that I don't like. So far so good! Review Source AM Aaron M. Operations Management Retail Used the software for: 2+ years ### "Access my IQ problem resolution" April 21, 2026 5.0 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 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 SC Sarah C. Owner Apparel & Fashion Used the software for: 1-2 years ### "Great Customer Service!" October 24, 2025 5.0 \[sensitive content hidden\] customer service rep is a joy. Helpful, informative, extremely responsive. A credit to ! Pros Payment processing made smooth! It's important for our small business to save on business costs, makes this possible Cons I think more customer service reps would be a good idea. Initially we were referred to Dejavoo and kept being disconnected, which was annoying. Switched from [Genius](https://www.capterra.com/p/195074/Genius/) Heartland was too expensive and their customer service was not great. They used to have a rep on \[sensitive content hidden\] which was great, but they stopped that. Phone calls were difficult to make and response times were not good Review Source LH Lauren H. CNP Cosmetics Used the software for: Less than 6 months ### "Great Experience With STAX" December 12, 2025 5.0 easy process from day 1, getting set up, we had guidance each step of the way as needed, the portal is easy to use when needed and the pricing structure is easy to understand Pros Easy to use, saving me tons of money on CC transaction fees monthly, any time I have a questions, someone helps immediately! Cons I don't love that the cc processor cant be used unplugged but it is no biggie! No other complaints or problems! Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) it is EXPENSIVE to use! 3.5 percent per transaction, I believe was my rate Review Source Response from Fattmerchant December 17, 2025 Thank you for taking the time to share your experience!! We appreciate your continued partnership with Stax. 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 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 DK Denise K. Bookkeeper Hospital & Health Care Used the software for: Less than 6 months ### "Bookkeeper" August 29, 2025 5.0 We have had excellent sales reps and also you have an amazing support team that responds to our phone calls immediately Pros Our company was drawn to because of the low free transaction which is a very big game changer for us. Cons We are a new customer to and we have had nothing to complain about with the processing of payments. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/) Reason for choosing Stax The processing fee per transaction was much lower Switched from [Squarespace](https://www.capterra.com/p/143461/Squarespace/) Processing fees were much cheaper than the Square Review Source RK RAMI K. Owner Retail Used the software for: Less than 6 months ### "Simple. Easy To Use. " December 13, 2025 4.0 very good. Pros Easy to use. Performance and Speed. Payment Processing. Security. Money Transfer. Invoicing. Learning Curve Cons simple. Switched from [Evolve](https://www.capterra.com/p/196480/Evolve/) overpriced. Easy to use. Performance and Speed. Payment Processing. Security. Money Transfer. Invoicing. Learning Curve Review Source Response from Fattmerchant December 17, 2025 Thank you for taking the time to share your experience!! We appreciate your continued partnership with Stax. EM Eric M. Engineer Construction Used the software for: Less than 6 months ### "New customer" August 29, 2025 5.0 Overall positive - Our start - up person, Madelyn, was great to work with! Helped us during the entire start up process. Pros Our company is spending less for CC transactions than we ever have before. Other company didn't seem to care how much they were charging a small business. Cons Nothing yet - too early to tell. The application was pretty intensive, but I understnd why it is like that. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/) Reason for choosing Stax Seemed like a better product - better reviews Switched from [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/) They were charging entirely too much and seemed to slowly and secretly keep upping their percentage every quarter. Then once we noticed they wanted to drop it 90% from where it was - which was a dead indicator of their motives. Review Source TL Thomas L. CFO Legal Services Used the software for: Less than 6 months ### "A Better Mousetrap in STAX" August 29, 2025 5.0 Overall, very positive especially as compared to our previous provider which I believe, intentionally makes it difficult to use. Pros Love the ease of use, very intuitive and operational very friendly. Also, less expensive than our previous provider. Cons The text when cleared through our bank is not clear, not associated with the client. It is like detective work to figure out who paid. Switched from [CardPointe](https://www.capterra.com/p/207548/CardPointe/) Lower costs as well as ease of use were the main reasons for switching. Review Source LH Lisa H. AR Specialist Insurance Used the software for: Less than 6 months ### "Good experience " September 10, 2025 5.0 My overall experience was good. My rep \[sensitive content hidden\] was very helpful during the whole process and has been helpful with all of my questions after the fact and continues to help which I appreciated very much Pros Customer support very helpful along the way during the entire set up as well as after the fact. Rep continues to be helpful even after set up Cons I dont think there was anything. If I had to choose, there may have been some things during set up that I wasnt aware of that caused a few delays, but nothing big. Switched from [authorize.net](https://www.capterra.com/p/221412/authorizenet/) Surcharging to clients for credit card payments 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/ 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 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 . I've been using them for about 2 years now. 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 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 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 VP Viktoria P. Supervisor Hospital & Health Care Used the software for: 2+ years ### "Supervisor" December 12, 2025 5.0 Pros We like that our offices can also use the website that is provided to take payments incase another staff member is using the terminal. Also, that we can see our payments on the portal. Cons Nothing bad to say, every team member is great and handles everything in a timely manner. In every situation we ran into, the problem has been resolved. Review Source Response from Fattmerchant December 17, 2025 Thank you for taking the time to share your experience!! We appreciate your continued partnership with Stax. TF Tyler F. CEO Retail Used the software for: 2+ years ### "Go elsewhere and don't think twice about it. No advantages of using Stax." February 19, 2025 1.0 I never initially signed up for Payments as they bought out the company I initally signed up with. The other company, Payment Depot, had great service, super friendly and nice always. As stated, they never had anything that set themselves apart that you can't get at any other company. Their biggest thing I felt is how their customer service at Stax is not good at all, they don't care about you, especially at 10-year long customer at that. You are cattle as a customer here. Why join them? You don't really save any money any more compared to anyone else, so why join them? There is no advantage of being a customer of Stax Payments. Goto a company that will treat you right and really want to earn your business, which Stax doesn't try to earn, its almost like expected. Yuck. Shop around, they are a little cheaper and really not much cheaper than Square their biggest competitor and Square at least has all sorts of great analytics dashboards, great service, and they pay out a whole lot fast even same day payouts if you need! Go elsewhere, forget Stax. By the way I have no ties whatsoever to Square, just using them as an example of a better option and there are probably even better options than them, but all of them are better than Stax Payments. Pros Honestly, nothing really stood out because they didn't have any cool features that were different from any other processor. Cons Their payments took 3-5 days to clear, customer service is not that good, and they always found every way they could to increase my prices monthly. They nickel and dime and don't go to bat for you. Review Source cG cara G. practice manager Medical Practice Used the software for: 2+ years ### "Two thumbs up" October 22, 2025 5.0 Good, great. not bad, bettter than most companies used in the past. will recommend to others with the same needs. Pros The processing is simple. love you can email and processes through the portal. lots of information. ! Cons The follow up from customer support wasn't as great. but this was all to do with the clover customer support, they tried to do their best. Review Source 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 BH Benjamin H. Operating Owner Automotive Used the software for: Less than 6 months ### "I strongly recommend Stax!" December 12, 2025 5.0 Great experiences from start to end and still continuing. I've recommended to everyone I know that owns their own business. Pros The representative was nice and helpful. Great rates and structure. Onboarding was straight forward and easy. Cons I have been with for about 6 months. No cons at the moment. Service is great. Transaction are consistent. Switched from [Genius](https://www.capterra.com/p/195074/Genius/) Service and rate are much more favorable. Review Source Response from Fattmerchant December 17, 2025 Thank you for taking the time to share your experience!! We appreciate your continued partnership with Stax. ## 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.