# Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Stax the right Payment Processing solution for you? Explore 130 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 (130) 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 May 22nd, 2026 # Reviews of Stax Ease of use 4.3 Customer Service 4.0 ## 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 ts todd s OwnerHealth, Wellness and Fitness, 2 - 10 employeesUsed the software for: Less than 6 months. “After one month of using Stax as our merchant account provider, I can confidently say it has exceeded my expectations in nearly every way.“ April 27, 2026 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 ## Showing most helpful reviews Showing 1-25 of 130 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/ 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 payment processing! Cons Portal access can't be set up for different locations by me (admin) and we have to reach out to a 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 was very affordable compared to Clover. Review Source Response from Fattmerchant 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/ MC Michael C. Owner Automotive Used the software for: Less than 6 months ### "Stax CC Processing" April 27, 2026 5.0 Pros Excellent customer service and communication. Easy process, support through set up and initiation of portals, simple transaction process, works well with our API and online website payments. The card reader is easy, simple and stress free for accepting payments on site. Cons The first card reader was defective forcing us to have to manually enter payments which was time consuming. Alternatives considered [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Reason for choosing Stax Cost, needs, Customer service, integration with our system 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 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. 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 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/ AN Anthony N. Owner Automotive Used the software for: Less than 6 months ### "Happy customer " May 20, 2026 5.0 My overall experience with was very positive. It was easy to use, reliable, and helpful. Will recommend to anyone Pros 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 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 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 NY Nicole Y. Executive Program Development Director Non-Profit Organization Management Used the software for: Less than 6 months ### "Would highly recommend!" June 4, 2026 4.0 We have been very happy overall. We were able to launch easily and switching from our previous process was seamless. Pros Ease of setup for us and use for our consumers. We work with a diverse population who aren’t always tech savvy. Cons We didn’t understand the billing system, still trying to understand the debit card charges. Sometimes there is a longer wait to speak with support than I would care for. But when I get help, it’s always thorough! 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 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 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/ 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. 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/ JK Justin K. Owner Health, Wellness and Fitness Used the software for: Less than 6 months ### "I Recommend STAX! " September 22, 2025 5.0 Simple, easy to navigate, good customer service, and fair pricing. I needed to set up services quickly, and stacks was able to do this with no trouble. Pros Easy setup and easy to navigate. Strong customer support. Fair pricing. User-friendly for online services. Cons Was a little confused about how things worked when first signing up, but it was explained well after I reached out to support. Switched from [Vantage Circle](https://www.capterra.com/p/167264/Vantage-Circle/) We were forced to buy our electronic health record system 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/ 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 RB Rebecca B. Administrative Assistant Veterinary Used the software for: 2+ years ### "Stax is the best" February 26, 2026 5.0 Pros 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 . Review Source Response from Fattmerchant 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. AS Alan S. Dentist Health, Wellness and Fitness Used the software for: 2+ years ### "Great Credit Card Processing" December 2, 2025 5.0 Love the product and the service, the solutions are excellent, the interactive receipt and automated billing is really superior then other credit card solutions Pros The process to contact customer support went smooth once I reached a person. \[sensitive content hidden\] was particularly attentive and determined to assist. is an excellent product that I would recommend to anyone from the credit card processing solutions to the staff that interact with you when you need support. Cons Effort needed to get to the correct customer support representative. Talking over the intrenet is a little more challenging then speaking directly with someone. Review Source KW Kim W. Owner Transportation/Trucking/Railroad Used the software for: Less than 6 months ### "So so sevice" February 25, 2026 3.0 Very difficult changing bank accouts Was upset about the situation called 10 times submitted paperwork 3 times and it took a full month to get it in order Pros Love the cost associated with monthly use. is almost $2500 per year cheaper than many competitors. Cons Payments take to long. A Thursday sale does not get paid until the following monday. Other companies pay in 24 hours and on weekends. Switched from [CloverDX](https://www.capterra.com/p/133442/CloverDX/) Lower rates were offered andbvery attractive 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 benefiting 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. GC George C. President Health, Wellness and Fitness Used the software for: 2+ years ### "Stax payments is a great business partner!" October 29, 2025 5.0 \[sensitive content hidden\] helped me find a solution and got me going in the right direction. Overall, has been great for our business. After 7 years of doing business with Stax as our payment processor, we are very pleased! Pros Great quality service, value...and reliable payment service! I especially appreciate the reliable daily processing and quick turnaround! Cons Integrating with shopify is difficult for business owners. Many retail merchants like us are expanding to online platforms like Shopify and would like to use our payment service there as well. Review Source MC Maria C. Office Manager Automotive Used the software for: 1-2 years ### "Solved fast!!" December 19, 2025 5.0 Great!! My questions and issue resolved with a great attitude and good customer skills. Thank you \[sensitive content hidden\]. Pros My request was solved almost immediately. Thank you, my new physical terminal should arrive soon. Thanks to \[sensitive content hidden\]. Cons Everything was Great, \[sensitive content hidden\] has great customer skills. Emails were responded to in a timely manner. Review Source DC Donnette C. Finance Director Government Administration Used the software for: 1-2 years ### "Access for Statements" September 5, 2025 5.0 Very positive. I thank the Rep for taking the time to listen to me and really understand what I was needing assistance with. Pros Customer Service Rep was very understanding. Took time to listen to what I need assistance with. Good listening skills. Cons I called the number on a previous statement but that was not the number for customer service. I had to ask the customer service rep for the number I need to use. 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/ 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 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 BS Barbara S. Business Manager Accounting Used the software for: Less than 6 months ### "STAX - Ultimate Payment Processor" November 4, 2025 5.0 Our overall experience with has been wonderful. There is virtually no learning curve and the performance and speed of the program is phenomenal. We have bragged about this company to several of our clients. Pros The thing I like most about is the customer service. Every time that I call they are so friendly and efficient. Stax comes easy to use and the security is out of this world! We consider Stax the best payment processing company we've ever used. Cons The only thing we didn't like is that you have to go through two separate approvals; one to take credit cards and another if you want to take ACH payments. 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