# Stax Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Stax Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/157492/Fattmerchant-Payments-Online --- # Stax Software Review 2026: Features, Integrations, Pros & Cons Last updated on May 22, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Stax ## What is Stax? Stax is an all-in-one payment technology platform built for businesses that have outgrown flat-rate processors. With subscription-based pricing and 0% markup on direct-cost interchange, Stax saves businesses up to 40% on payment processing fees — no hidden costs, no percentage markups. The platform includes Stax Pay for in-person, online, and mobile payment acceptance; Stax Bill for automated recurring billing and invoicing; CardX for compliant credit card surcharging; and Stax Connect, an embedded payments solution that enables SaaS companies and ISVs to integrate full-stack payment processing directly into their software. As an end-to-end processor, Stax handles the entire transaction lifecycle in-house — from authorization to settlement — giving businesses and software platforms more control, better economics, and dedicated support. Over 30,000 businesses trust Stax to process more than $30 billion in payments. ## What is Stax used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Billing and Invoicing](https://www.capterra.com/billing-and-invoicing-software/)[Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/) Overall rating Based on 139 user reviews Reviews sentiment Positive 78% Neutral 4% Negative 18% Starting price $99 Flat Rate, Per Month Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... ## Stax alternatives Highest Rated [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,470)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) [4.6 (3,349)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [4.2 (2,046)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.2 (1,312)](https://www.capterra.com/p/135618/Odoo/reviews/) Starting price $31.10 Per User, Per Month Pricing Options Free Trial Free Version User Rating 83% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/alternatives/) ## FAQs about Stax Overview ### What problems does Stax solve? Stax solves slow merchant setup, confusing payment workflows, and limited visibility into deposits and transactions by providing easy onboarding, intuitive payment tools, daily funding notifications, and useful reporting. Small businesses, healthcare offices, service teams, and finance staff benefit most when they need quick support, lower processing costs, and smoother online or in-person payments. Answer based on 37 reviews Overview ### Which roles and teams benefit most from Stax? Stax is most used by business owners, presidents, CEOs, and other executives who need streamlined payment processing, revenue visibility, and simpler financial oversight. Office managers, administrative staff, and operations leaders rely on it to handle transactions, invoicing, and day-to-day billing workflows, while finance teams use it for reconciliation, bookkeeping, and cash flow tracking. Answer based on 130 reviews Overview ### What company size and industries is Stax built for? Stax is built primarily for small businesses, which make up 97% of reviewers, with the strongest presence in health, wellness and fitness at 14%. It serves small business owners across retail at 11%, automotive at 8%, and catalog-listed segments including restaurants, hospitality, healthcare, legal, salons, spas, and e-commerce. Answer based on 130 reviews Features and Usability ### What are the key features of Stax? Stax includes core payment features like credit card processing, ACH payment processing, online payments, and recurring billing. Reviewers also frequently mention the billing portal, payment links, invoice creation, and real-time reporting dashboard. Differentiating features include QuickBooks integration, API access, mobile card reader support, and customizable invoices. Answer based on 51 reviews Integrations ### Which third-party tools and platforms does Stax integrate with? Stax integrates with over 20 third-party tools and platforms, including QuickBooks, QuickBooks Online, QuickBooks Online Advanced, Salesforce.org Nonprofit Cloud, Shopify, WooCommerce, WordPress, Slack, Mailchimp, Apple Pay, and Google Pay. It also connects with CardConnect, Lightspeed, NCR Aloha, TouchBistro, ShopKeep, Actionstep Legal Accounting, Microsoft Dynamics AX, OptiMantra, and Pronto. Answer based on 1 reviews Getting Started and Support ### What training and onboarding options does Stax offer? Stax provides live online training, webinars, documentation, and videos to help teams get started. Live online sessions and webinars support guided learning, while documentation and videos offer written and visual reference materials for self-paced review and setup. Answer based on 2 reviews Getting Started and Support ### What customer support options does Stax offer, and how do users rate the experience? Stax offers email/help desk, a knowledge base, phone support, 24/7 live representatives, and chat. Users often describe support as helpful, clear, and responsive during setup and issue resolution, but some report long hold times, delayed callbacks, inconsistent first-line help, and occasional frustration with tickets, funding issues, or returns. Answer based on 37 reviews Features and Usability ### How well does Stax handle payment processing? Stax makes payment processing easy for many businesses with a simple portal, card readers, payment links, and online checkout tools. Small business teams and medical practices often like the setup and daily use, though some report slow deposits, uneven recurring payment workflows, and integration gaps with QuickBooks, Shopify, or EHR systems. Answer based on 51 reviews Features and Usability ### Is Stax good for credit card processing? Stax works well for many merchants that want straightforward credit card processing, transparent billing, and lower fees. Retail shops, medical offices, and small businesses often find the portal easy to use, but some report onboarding problems, delayed deposits, account holds, fee changes, and missing auto-batch behavior during transitions from other processors. Answer based on 31 reviews ## Who uses Stax? Based on Capterra reviews from the past 2 years Talk to a software expert to get a free software list tailored to your business needs Company size Based on 104 reviews 100% 75% 50% 25% Smallbusiness Midsizebusinesses Enterprise Top job functions Based on 104 reviews Administrative 48% Administrative 48% Health & Medical 10% Finance & Accounting 8% Entrepreneurs/ Owners 6% Others 28% Top industries Based on 104 reviews Health, Wellness and Fitness 30% Retail 26% Automotive 18% Medical Practice 14% Other 12% ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Debit/Credit Card Processing 4.2 (85) 87.06% of 85 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Online Payments 4.2 (65) 75.38% of 65 reviewers that rated this feature as important or highly important Accept and process online payment transactions Multiple Payment Options 4.5 (56) 80.36% of 56 reviewers that rated this feature as important or highly important Process payments via multiple modes directly through the application Mobile Payments 4.1 (45) 62.22% of 45 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Real-Time Data 4.2 (41) 87.80% of 41 reviewers that rated this feature as important or highly important Receive data and information in real time Payment Links 4.5 (33) 75.76% of 33 reviewers that rated this feature as important or highly important Send clickable links via text or email to collect payments from customers Stax 55 features Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Scan barcodes to ensure accurate pricing and label tracking Create, manage, and send invoices or bills to customers Gateway through which end users can view past bills and pay current invoices Centralized database of stakeholders and their contact information such as names, address, phone number etc. Near-field communication method to share data and process contactless payments Financial system that helps create and manage physical/digital credit cards and track transaction activities Accept and process credit card transactions Add customized logos and colors to align with company branding Invoices that can be tailored according to company's branding, payment terms and personalized information Alter the layout and content of reports Import and export data to and from software applications Synchronizing data between two or more devices/systems and automatically updating changes to maintain consistency Accept and process credit/debit card transactions Track products that are for sale at a reduced price or part of coupon promotions Integrates with eCommerce systems Electronically collect payments for goods or services Digitally sign online documents Generate reports to assess the financial performance of an organization Reward loyal customers with gift cards which they can redeem for special offers and loyalty bonus Transactions that typically involve face-to-face interactions between the payer and the payee Create invoices from scratch or have recurring invoices Store and view prior invoices for each account/client Captures invoice data and maintains comprehensive records for auditing and reporting purposes Creation, processing, verification, and execution of invoices till the payment is made Access software remotely via mobile devices Hardware device connected to smartphones for processing payments Clients can submit payments via mobile devices Manage and handle various international currencies Manage and support multiple locations Process payments via multiple modes directly through the application Create, send, and view electronic invoices Accept and process online payment transactions Integration with payment gateways to facilitate online transactions Send clickable links via text or email to collect payments from customers Accept, record, and reconcile financial transactions Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Accept and process customer payments for products or services using hardware and software Integrates with point of sale (POS) systems Integrates with QuickBooks Receive data and information in real time Active reporting of data and metrics Upload, track, and submit receipts in a central database Automated process of charging customers at regular intervals for repeated access or use of a product or service Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Reports specific to sales analysis for trends and strategies Online portal through which end users can access the system, manage tasks, or obtain information Calculate tax and make deductions on gross income from sources like wages, investments or self-employment Set up connections to third-party platforms to improve business processes Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Monitor or audit historical and current transactions to analyze customer account activities Interact with data visualization elements, such as charts and graphs, to drill down into data Get Advice We can help you find the software with the features you need. Features 4.2 (140) 4.2 Based on 140 reviews ## Pricing Value for money 4.1 (133) Basic $99.00 Flat Rate,Per Month Value for money 4.1 (133) 4.1 Based on 133 reviews ## Integrations [ Slack](https://www.capterra.com/p/135003/Slack/)[ Mailchimp](https://www.capterra.com/p/110228/MailChimp/)[ WordPress](https://www.capterra.com/p/131687/WordPress/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Shopify](https://www.capterra.com/p/83891/Shopify/)[ Zapier](https://www.capterra.com/p/130182/Zapier/)[ QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[ WooCommerce](https://www.capterra.com/p/225601/WooCommerce/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.1 (135) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.1 (135) 4.1 Based on 135 reviews ## User reviews Overall rating 4.1 Based on 139 reviews Filter by rating 5(94) 4(16) 3(5) 2(7) 1(18) Mentioned topic Sorted by most recent TM Tom M. Ghostwriter and Publisher Marketing and Advertising ### "Simple, clean, straightforward" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 June 23, 2026 So far, it's been great. Transferring over was clean and simple. I feel more secure with Stax than I ever did with other platforms that can shut you down without warning. Stax's assistance in getting approved was great, and knowing I provided all that verification gives me confidence that I can rely on Stax for years to come. Pros It's clean and simple. It's not confusing to work with and the fees are much more manageable/understandable. I come from other payment processors that charge a lot in fees for little in return. Stax is pretty clear. Cons I think Stax does lag a little in being able to offer instant access to funds. I understand why they can't, but it's a big gap compared to other offerings. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Stripe's fees were high, and they never offered any support during chargeback situations. I felt that they didn't help me navigate those problems, and just took my money away from me instantly every time. I didn't like that. I want a partner. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CC Christina C. Owner Wholesale ### "Simple Setup and Hassle-Free Processing" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 3/10 June 23, 2026 My overall experience with Stax has been very positive. The onboarding process was simple and straightforward, making it easy to get started. Payment processing has been reliable and efficient, and I especially appreciate the automatic fund transfers, which eliminate the need for manual deposits and save time. The platform has helped streamline payment management for my business, and the support and ease of use have made the transition smooth. Overall, Stax has been a convenient and effective payment processing solution. Pros My experience with Stax has been excellent. The onboarding process was straightforward, payment processing has been smooth and reliable, and I especially appreciate that deposits are transferred automatically. Not having to manage manual transfers has made payment management much more efficient. Cons While my overall experience with Stax has been positive, one drawback is that there can be a learning curve when navigating some of the reporting and account management features. Additionally, certain fees and pricing structures may take time to fully understand compared to simpler flat-rate processors. However, the ease of processing payments and automatic fund transfers have outweighed these challenges for my business. Switched from [Acuity Scheduling](https://www.capterra.com/p/191978/Acuity-Scheduling/) I made the switch from Square to Stax because I was looking for a more cost-effective payment processing solution as my business continued to grow. Stax offered transparent pricing, competitive processing costs, and features that better fit my business needs. The transition was straightforward, payment processing has been seamless, and I especially appreciate the automatic fund transfers, which save time and eliminate the need for manual deposits. Overall, Stax has helped streamline my operations while providing a smooth payment experience for both my business and my clients. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RL Rod L. Director of Product Management Automotive ### "Sign up for Stax and you will save a lot of money. Great service too!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 23, 2026 We are very happy working with Stax and plan to continue for a long time. The team has been very helpful even with some complicated circumstances for account setup. Pros Very competitive transactions rates. Easy account setup. Works well. Integrates easily with other tools. Cons There is very little that I can say negative about Stax. The only thing I can think of is that the account setup paperwork has become less complete recently. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) It was getting to be too expensive. Stax had much better rates. Alternatives considered [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) [Stripe](https://www.capterra.com/p/123889/Stripe/) Reasons for choosing Stax Good rates and seemed like a more professional and well-organized company. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. VS Viren S. Owner Construction ### "Good value and easy to use" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 6/10 June 23, 2026 Pros Easy to use, easy to share payment links. Fees are reasonable and I like the breakdown provided for each type of charge Cons UI could use some improvement. I'd like to see a cleaner invoice page that we can share with customers. Right now the existing page feels dated and looks a bit too technical. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reasons for choosing Stax Fees primarily - also inherited this system in an acquisition Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BW Beth W. President Telecommunications ### "Verry Happy with Stax" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 23, 2026 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 [Paya](https://www.capterra.com/p/251803/Paya/) 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 Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. SS Simon S. Sales Construction ### "Stax review" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 3/10 June 23, 2026 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/) Reasons for choosing Stax Customer service rep replied I hate extra characters Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RW Richard W. Psychiatrist Hospital & Health Care ### "Psychiatrist’s review " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 23, 2026 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 Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AP andy p. president Business Supplies and Equipment ### "Stax is good " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 23, 2026 Pros Easy to navigate, good prices, I like everything about it, highly recommend to anyone looking for CC processing Cons Nothing to complain about, I can not think of a negative, what more can I say except go STAX GO !!!! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. RS Rich S. President Consumer Goods ### "Stax is #1" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 23, 2026 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 Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MR Mike R. Managing Member Retail ### "Good with a caveat" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 June 23, 2026 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 Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) ## Top-rated software of 2026 ### 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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