--- title: "Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Stax the right Payment Processing solution for you? Explore 149 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" publication_date: "2026-10-19" --- Stax 4.2 (149) 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 October 19th, 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 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 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 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 RW Richard W PsychiatristHospital & Health Care, Self-employedUsed the software for: Less than 6 months. “I appreciate being able to receive payment the next business day and having flexibility with remote and in person payments.“ June 23, 2026 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 ## Showing most helpful reviews Showing 1-25 of 149 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Practice Manager Used the software for: Less than 1 year ### "Practice manager" October 29, 2026 5.0 SO far good I am a person of a few short words, not sure I can accomplish one hundred words! I am not a fan of this survey and your excessive limitations on completing the amount of characters to complete this survey. try again! Pros Friendly, Helpful People I am a person of a few short words, not sure I can accomplish one hundred words! Cons Nothing yet I am a person of a few short words, not sure I can accomplish one hundred words! I am not a fan of this survey and your excessive limitations on completing the amount of characters to complete this survey. try again! Review Source Response from Stax Payments, Inc November 6, 2026 Thank you for taking the time to share your experience!! Your kind words about our service 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/ James M. Founder Used the software for: Less than 1 year ### "Reliable payment processor with clean, timely deposits" October 22, 2026 4.0 I use Stax to process credit card payments for two of my businesses. It has been a reliable processor. Payments arrive in the right account on time, fees are handled cleanly, and the dashboard makes it easy to track transactions. Better phone support is the one thing I’d add.ble payment processor Pros The deposits are reliable and land quickly in the correct bank account. Fees are debited on time and match what I expect, so reconciliation is simple. Once you learn the dashboard, the transaction accounting is clear and easy to use. Cons Customer service could be better. I’d like an 800 number where I can reach a live person for urgent issues. When something time-sensitive comes up with payments, waiting on email or chat isn’t ideal. Switched from [Stripe Payments](https://www.capterra.com/p/123889/Stripe/) Fee's were too high at previous processor Review Source Response from Stax Payments, Inc November 6, 2026 Thank you for taking the time to share your experience!! Your kind words about our product are much appreciated. We appreciate your continued partnership with Stax. I would also like to provide our Support Team’s phone number. Our team is available Monday through Friday, from 9:00 AM to 6:00 PM EST. Please feel free to call us at (855) 550-3288, Option 2. We’re happy to assist! 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/ CABINETRY Used the software for: Less than 1 year ### "Great!!!Def Recommend!!" October 22, 2026 5.0 Overall it's great, I would definitly recommend it to other merchant as it's affortable rate and the processing utility comes with it. Pros How I'm able to attached invoices pdf with the payment link. And sending payment to client is very easy and straight forward Cons The steps of sending a invoice is a bit complex. Would be better if everything fit on 1 page so the website dont crash Review Source Response from Stax Payments, Inc November 6, 2026 Thank you for taking the time to share your experience!! Your kind words about our product 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/ Office Manager Used the software for: Less than 1 year ### "Stax is great!!" September 1, 2026 4.0 Overall, I like them much better than Square. The set up process was very easy. I am very happy with Stax so far. Pros I like that they have customer service with people who actually help you. As opposed to square who's customer service is worse than non existent. Cons The fees are almost exactly the same as Square for us. Possibly slightly more than Square. So I didn't love that but the customer service is worth it. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) They have HORRENDOUS customer service. Absolutely disgusting the way they treat long standing, high volume customers. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/) Reasons for choosing Stax I was understanding that the pricing would be cheaper. However, it is not. Review Source Response from Stax Payments, Inc September 2, 2026 Thank you for taking the time to share your experience!! Your kind words about our support 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/ National Sales Director Used the software for: Less than 1 year ### "Stax is Awesome!!!" August 21, 2026 5.0 Overall their communication and ease of use have been great we look forward to growing our business with the help of Stax!!! Pros So far we have had great success partnering with Stax!! We get our payouts daily with no snags. Any issues they are quick to respond and fix. Thanks Stax for helping our new business!!!!! Cons The initial approval process was a bit slow and drawn out. The online app sometimes doesn't update as fast as I would like and sometimes the notifications are delayed as well. Nothing that has slowed us down at all though. Switched from [Stripe Payments](https://www.capterra.com/p/123889/Stripe/) pricing and integration to our website and CRM Review Source Response from Stax Payments, Inc August 25, 2026 Thank you for taking the time to share your experience!! Your kind words about our product 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/ Owner Used the software for: Less than 1 year ### "Great if you have the skill to make it work" August 21, 2026 4.0 Being technical, I was able to build what I needed. I built my own portal to create the reports that I needed. It's not a turnkey solution like other providers but once you get things setup it's been pretty good Pros They have a good API which creates a tremendous amount of flexibility. The rates are very good. The capabilities are top notch. Cons Support can be hard to reach. The Dejavoo terminals have a very kludgy interface and the portals are confusing and need redesign. Switched from [Clover](https://www.capterra.com/p/226864/Clover/) Locked down API did integrate well with legacy point of sale. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reasons for choosing Stax The api was better, it supported EBT and the rate was better Review Source Response from Stax Payments, Inc August 25, 2026 Thank you for taking the time to share your experience! We truly appreciate your feedback and will take it into consideration as we continue to improve. Thank you for choosing to work with us. 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/ Owner Used the software for: Less than 1 year ### "Good company " August 21, 2026 4.0 So far the overall experience has been pleasant, but I was having difficulty with my Merchant ID Number and when I called in to ask questions they couldn’t address my questions or concerns because I had the wrong ID number. Pros I like that they accept international cards, it makes it convenient and efficient for me to run my business. Cons 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. Alternatives considered [Valor IMS](https://www.capterra.com/p/112210/Valor-IMS/) Reasons for choosing Stax I chose Stax because they accept international cards. Review Source Response from Stax Payments, Inc August 25, 2026 Thank you for taking the time to share your experience! We truly appreciate your feedback and will take it into consideration as we continue to improve. Thank you for choosing to work with us. 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/ Office Manager Used the software for: Less than 1 year ### "Great solution for our startup!" June 25, 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 Stax Payments, Inc 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/ Sales and Marketing Director Used the software for: Less than 1 year ### "Stax is Great For Small Business" June 25, 2026 5.0 My overall experience with Stax has been great. It allows our small business to manage billing efficiently, and stay on top of accounts on the fly. 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. Pros Stax is incredibly simple to learn and use, and allows for incredibly quick and easy invoicing. Technical support is also next to none. Any issue I run into is easy to solve with a simple phone call. Cons I wish the app were as functional as the website for sending new invoices. Creating a new invoice to send a customer is a piece of functionality that would be nice to have outside of the website, as the Stax app seems much more intuitive on a phone. Review Source Response from Stax Payments, Inc August 6, 2026 Thank you for taking the time to share your experience!! Your kind words about our support 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/ Beth W. President Used the software for: Less than 1 year ### "Verry Happy with Stax" June 25, 2026 5.0 I have had a great experience with transfering to Stax. It was a pretty daunting task to move away from the processor I have been with for 15+ years, but the Stax team made it painless. Pros Stax pricing is what led me to choose themm over the others. I likes the per transaction rate over the % on sales, seems a lot more fair. I was also super impressed with their customer service and they always seem to be available to help me. Cons I have not found anything I do not like. Its been great, so far. I was worried the new portal may be difficult to get used to, but no issues yet. Switched from Cost from Paya was getting too high and I knew there was lower options out there. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reasons for choosing Stax Pricing and customer services was much better Review Source Founder Used the software for: Less than 1 year ### "We save $1,000's on fees with FattMerchant" December 4, 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 Payments](https://www.capterra.com/p/123889/Stripe/) Pricing and better customer service. It's nice to work with real humans. Review Source Becky E. Director of Operations Used the software for: 1-3 years ### "Make the switch today!" March 20, 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 President Used the software for: Less than 1 year ### "Worst Support experience" December 17, 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. Switched from [Genius](https://www.capterra.com/p/195074/Genius/) Recent abrupt Processing rates changes.. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reasons for choosing Stax Stax sales responded first and gave me competitive rates, Helcim had better rates though but was too late 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. Managing Member Used the software for: Less than 1 year ### "Good with a caveat" June 24, 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. Switched from [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) We switched to lower our cost of doing business. Alternatives considered [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Reasons for choosing Stax Stax had the lowest cost of all competitors Review Source Administrator Used the software for: Less than 1 year ### "STAX Review" April 28, 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 Switched from [Stripe Payments](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 Owner Used the software for: 3-5 years ### "\[sensitive content hidden\] are both AWESOME!" December 8, 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 CEO Used the software for: 1-3 years ### "Awesome merchant account!" February 26, 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 Payments](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/ Director of Revenue Cycle Used the software for: Less than 1 year ### "Stax is AMAZING! " February 26, 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/ Owner Used the software for: Less than 1 year ### "First month struggles" February 26, 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. President Used the software for: Less than 1 year ### "Stax is #1" June 24, 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 CFO Used the software for: 3-5 years ### "Excellent at first, then just okay..." September 24, 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. 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 Alternatives considered [Chase Software](https://www.capterra.com/p/206180/Chase-Software/) Reasons for choosing Stax price, ease of use, easy to understand pricing 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. AB Adrienne B. Office Manager Used the software for: 3-5 years ### "Office Manager" September 1, 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. 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. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/)[Squarespace](https://www.capterra.com/p/143461/Squarespace/) Reasons for choosing Stax Stax seemed to have the best rates at the time we were looking. Review Source Owner Used the software for: Less than 1 year ### "Business Owner" November 18, 2025 5.0 Cost Savings: The subscription-based pricing is the main draw. Businesses save significant money by paying a flat monthly fee and the direct interchange cost (0% markup), avoiding the percentage-based fees charged by competitors. ​User-Friendly Platform: The Stax software platform is consistently praised for being modern, intuitive, and easy to navigate. Its centralized dashboard simplifies managing transactions, running reports, and accessing customer data. ​Powerful Features: Users value the robust, all-in-one system that includes advanced invoicing, recurring billing, and "Text2Pay" options. Pros I enjoy using Stax payments because its transparent, subscription-based pricing model saves my business money. Instead of paying a percentage of every sale, I pay a flat monthly fee with 0% markup on interchange, which provides predictable costs and significant savings on high-volume transactions. The all-in-one platform is also incredibly user-friendly, integrating everything from invoicing and recurring billing to a virtual terminal in one dashboard. Cons Functionality of batch out process. Would be best if we received warnings before completing the batch Switched from [Merchant Centric](https://www.capterra.com/p/183975/MerchantCentric/) Better service for our business and better cost of the payments Review Source Owner Used the software for: 1-3 years ### "Great Customer Service!" October 27, 2025 5.0 \[sensitive content hidden\] customer service rep is a joy. Helpful, informative, extremely responsive. A credit to STAX! Pros Payment processing made smooth! It's important for our small business to save on business costs, Stax 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 Owner Used the software for: Less than 1 year ### "Always a good experience " March 3, 2026 5.0 Great experience. Had such a good history with Stax, I’m not using it at my second office that recently opened Pros Stax 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/) Reasons for choosing Stax Stax is more reasonably priced for larger transactions Review Source Response from Stax Payments, Inc 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/ ## 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.