# Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra > 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: https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews --- 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 May 22nd, 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/ 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 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 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 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 WW Wes W. Sales and Marketing Director Fishery Used the software for: Less than 6 months ### "Stax is Great For Small Business" June 24, 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 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 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 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 RG Ron G. Owner Retail Used the software for: 1-2 years ### "Fantastic Savings on Card Processing" August 29, 2025 5.0 They do offer unparalleled options for card processing with transparent billing and information. The staff is very helpful with the onboarding process, and the sales representatives are delightful to work with. Pros The savings are tremendous with this platform. I'm noticing more of my money actually going into my account and not into the creditors. The variety of platforms to which I can maintain and use for processing cards is fantastic. The ease of obtaining reports and information on past transactions is super easy. Cons Customer service is very difficult to deal with. They do not offer 24/7 customer service and there is no direct phone line to any human being. They mostly use email and online chatting to discuss issues. When problems arise over the weekend, it can be difficult to get someone to fix things quickly, but they do get fixed. Alternatives considered [CloverDX](https://www.capterra.com/p/133442/CloverDX/)[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) Reason for choosing Stax Was recommended by another company, plus the savings options made it the clear choice to switch my card processing too. Switched from [Elavon](https://www.capterra.com/p/183057/Elavon/) Was tired of giving almost 8% of my gross sales in fees Review Source 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. BP Bhargi P. Accountant Automotive Used the software for: Less than 6 months ### "Excellent/Intuitive" February 26, 2026 5.0 Overall, my experience improved significantly once I was able to get assistance. However, the process of returning the extra terminal that was accidentally sent to me was more difficult than expected. Pros The best thing about Stax is how easy it is to operate. The interface is intuitive, and I didn’t need much time to figure things out. Cons While the platform is very easy to use, I was disappointed by how difficult it was to get in touch with someone over the phone. The lack of accessible phone support made resolving issues more frustrating than it should have been. Switched from [National Discount Merchant Services](https://www.capterra.com/p/183599/NDMS-Merchant-Account/) Compared to my previous provider, Stax delivers more advanced and robust features. Review Source Response from Fattmerchant February 27, 2026 Thank you so much for your valuable feedback. We are sorry to hear about your experience. 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. 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. tS todd S. Owner Health, Wellness and Fitness Used the software for: Less than 6 months ### "Stax rating and review" April 27, 2026 5.0 After one month of using Stax as our merchant account provider, I can confidently say it has exceeded my expectations in nearly every way. The value proposition is immediately apparent — the subscription-based pricing model has delivered noticeable savings on transaction fees compared to traditional percentage-based processors, and those savings add up quickly for a business processing regular volume. The website is clean, intuitive, and easy to navigate, making day-to-day management straightforward even for someone who isn't particularly tech-savvy. What has impressed me most, though, is the reporting suite — the dashboards and transaction reports are detailed, well-organized, and genuinely useful for understanding business performance at a glance. If you're evaluating merchant account options and haven't looked at Stax, I'd strongly encourage you to do so. One month in, I'm a very satisfied customer. Pros The quick next day funding to my account and low transaction fees. Very easy to use website and customer tools Cons I did a transaction late Friday, and did not receive payment until Monday. So no payments on Sundays it seems, but that could be because of my bank. Switched from [Quicken](https://www.capterra.com/p/151854/Quicken/) transaction fees were high with quicken. Review Source JK Jennifer K. Office Manager Medical Practice Used the software for: 2+ years ### "Back in Business" January 28, 2026 5.0 \[sensitive content hidden\] was great. He called me back very quickly and solved our problem all before we took our first payment! We are back in business! Pros Easy to use. Quick customer service. I texted in our problem and received a call back before the first patient came through the door! Cons I'm old fashioned and prefer calling in a customer issure rather than texting but I also did not take the time to look for a phone # Review Source DN David N. Director of Software Development Retail Used the software for: 1-2 years ### "Integration Setup and troubleshooting" September 23, 2025 5.0 It has been a long and convoluted process to resolve all of our issues, but Stax Support has stuck with me, and resolved everything. Particular praise for \[sensitive content hidden\], who not only got us to the point of operating with successful integration, but responded promptly in an "emergency" situation during our first store conversion. \[sensitive content hidden\] also helped through many topics, and Josue contributed as well. Thanks to all. Pros As a franchise support rep myself, the Stax technical support team has been my point of contact and contributed most experiences. Cons In general, our franchise setup seemed "foreign" to Stax (and \[sensitive content hidden\]) personell overall, but they were tenacious, and got things resolved. 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/ 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. 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 ES Elisa S. Administrative Assistant Medical Practice Used the software for: 1-2 years ### "GOOD JOB, \[sensitive content hidden\]!" December 23, 2025 5.0 \[sensitive content hidden\]. helped make sense of our confusing situation and made it all easy to understand. Because of his help, our situation got completely resolved and I'm happy to say we won't have to try to resolve it again. Pros I really appreciated how thorough \[sensitive content hidden\] (my Customer Support Specialist) was on our support call . Cons I don't have any cons! My role is admin assistant for the office, so I never used the Dejavoo terminals personally. I was just calling to find out if we needed to return the third one we used. Review Source 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/ 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 DV Drew V. CEO Hospital & Health Care Used the software for: Less than 6 months ### "You asked and here’s the truth " December 12, 2025 1.0 0/10 this was the worst experience in 23 years of practice and dealing with credit card processors .. I will not be referring my you Pros Stax set up cost me $12,000 in set up as when we switched clover system they didn’t do auto batch even though your onboarding staff said everything would be the same ..The lack of auto batch was discovered 2 months later which caused charges to drop & we didn’t get paid and those credit cards are no longer valid Cons We had to collect over $150,000 from past payments because of your setup error which you blamed on clover … bottom line if we never switched to stax I would be $12,000 Review Source Response from Fattmerchant December 17, 2025 We are sorry to hear that this was your experience with our team. If we can still assist with escalating this matter to a senior leadership team member, please contact our Customer Support Team at support@staxpayments.com. 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 Stax 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 ## 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. 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