# Page 2 | Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Stax the right Payment Processing solution for you? Explore 117 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 (117) 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 March 13th, 2026 # Page 2 - Reviews of Stax ## Showing most helpful reviews Showing 26-50 of 117 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use JE JOSEPH E. CFO Printing Used the software for: 2+ years ### "Excellent at first, then just okay..." September 23, 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. Alternatives considered [Chase Software](https://www.capterra.com/p/206180/Chase-Software/) Reason for choosing Stax price, ease of use, easy to understand pricing 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 Review Source Response from Fattmerchant 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. ME Marianne E. Accountant Retail Used the software for: 1-2 years ### "\[sensitive content hidden\] did a great job, Lets make him your standard for Customer Service." September 9, 2025 5.0 Overall, this interaction with customer support has been great. \[sensitive content hidden\] was very helpful, kind, and knowledgeable. That is not my normal experience with Stax Customer Service. Pros Value for Money, Ease of use, and able to follow the payments. The product is great. We do not use invoicing but we have multiple ways to allow a customer to make payments and that is very helpful. Cons The fact that our pricing goes up every quarter or six months it seems. Customer service leaves a lot to be desired on a regular basis. The answers we receive are not always consistent. We have had some unique problems that although we are told how to fix it, we get push back from the next person who helps us. Also, the fact that World pay can hold up a customer's refund is appalling. I am working with Stax not World Pay. If my customer wants a refund this should not take long, or I should not have to call and get it released. I have much more to say on this, but it is not the fault of \[sensitive content hidden\] who did a fabulous job today. Alternatives considered [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Reason for choosing Stax We liked the cost at the time and the promise of no increase in fees. That turned out to be a misrepresentation and a large number of the things promised were taken away when Fattmerchant changed to Stax. Switched from [InstaMed](https://www.capterra.com/p/210147/InstaMed/) This is not the correct product, it was Chase Payment Processing but did not have this as an option. We switched because we liked the interface and the cost, however, Chase had much better customer service. 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/ RE Rebecca E. Director of Operations Legal Services Used the software for: 1-2 years ### "Make the switch today!" March 17, 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 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 KP Kim P. Owner Design Used the software for: 2+ years ### "\[sensitive content hidden\] are both AWESOME!" December 5, 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 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 UA Umit A. President Computer Hardware Used the software for: 2+ years ### "terminal Update " September 23, 2025 5.0 We had good experience with Stax folks even before when it was FattMerchant they had good customer service. Pros Easy integration and support.. Money transfer is quick and usually is next day. We have not had any bad incidents. Cons There is flat fee for processing as your charges go up that means you are doing well and your monthly fee goes up which we are not crazy about.. Alternatives considered [Chase Software](https://www.capterra.com/p/206180/Chase-Software/) Reason for choosing Stax we chose FattMerchant because it was $79.00 a month when we started. 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/ EW Emma W. Practice Administrator Cosmetics Used the software for: Less than 6 months ### "Would not recommend Stax" December 12, 2025 2.0 Terrible process with poorly trained sales reps and customer service agents. I was told everything would automatically transfer over from our old processor. This was not true. I had to manually enter hundreds of autopayments. We were also told batches would automatically close out at the end of each day, also not true. We realized nothing was coming into the bank account and it cost us an enormous sum of income. Very poorly trained sales reps that were only motivated by their commission. It has taken me over 1 month to recover this income by calling hundreds of patients to re-collect payments. It made us look terrible! It was not worth the savings promised per year. Pros Cost savings. We were told about $10k in annual savings. After all the fees from onboarding, etc, I think the actual annual savings was closer to $3,000. Cons The transfering process. Stax did not activate the auto batch as promised costing the practice over $200,000 in loss income, which took about 1 month to get back. We are still missing over $15,000. Because of this I would not recommend Stax to anyone. Review Source Response from Fattmerchant December 15, 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. 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/ JH Jason H. Owner Food & Beverages Used the software for: Less than 6 months ### "Business Owner" October 22, 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 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/ 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 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 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/ SC Sarah C. Owner Apparel & Fashion Used the software for: 1-2 years ### "Great Customer Service!" October 24, 2025 5.0 \[sensitive content hidden\] customer service rep is a joy. Helpful, informative, extremely responsive. A credit to 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 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. BB Brittney B. Practice Manager Health, Wellness and Fitness Used the software for: 1-2 years ### "Best Payment Processor I've used" October 16, 2025 5.0 Excellent experience overall. The system is simple to navigate and easy to learn. Super user friendly, and whenever a issue arises, their support staff handle it quickly and tactfully. Pros Stax is by far the most user friendly payment processor I've ever used. It is quick and easy, and give customers a variety of way to submit payment. Their support staff is also fantastic. I get quick solutions and support and the techs are always friendly and knowledgeable. Navigating the system is simple and it's easy to learn all the ways to utilize the system quickly. The ability to invoice clients and email them directly is so convenient. Cons I have not had any cons thus far in my experience with Stax. I've been using them for about 2 years now. Review Source 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. EB Edgar B. Controller Retail Used the software for: Less than 6 months ### "Stax easy to use and very good CS" February 26, 2026 5.0 very good experience with customer service and bank deposit transfer. We have no issue in regard to deposits, all transactions are accounted for. Pros easy to use and navigate website. Just browsing through the fields, I was able to find the reports I need and the daily deposits I am looking for Cons I have to sign in to another website (Payments Insider) to print the monthly statement. The monthly statement is not available in the Stax portal. Alternatives considered [Benchmark](https://www.capterra.com/p/106837/Benchmark/)[Paya](https://www.capterra.com/p/251803/Paya/) Reason for choosing Stax yes, better cc fee and charged directly to customer Switched from [Benchmark](https://www.capterra.com/p/106837/Benchmark/) better or lower cc processing fee, Stax charges less cc fee compared to Benchmark Review Source Response from Fattmerchant March 2, 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/ CS Chelcie S. Vice President Treasurer Owner Electrical/Electronic Manufacturing Used the software for: 1-2 years ### "Quick customer service" September 11, 2025 5.0 The best part is the quick response - even when submitting a ticket! I can literally just wait a few minutes and know that someone will email me back pretty quick with an answer to my question. Pros I prefer chat BUT even though you may sometimes have to do "a ticket" - it doesn't take long for someone to reply. Cons Would be nice to have access to your processing limit amount somewhere inside your account. Between my two businesses I have a hard time remembering what is what. 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/ KC Kim C. CFO Information Technology and Services Used the software for: 2+ years ### "Saturday service" November 23, 2025 4.0 We have been with Stax for ~8 years and it's been good. My only complaint is they have not updated system to integrate with auto matching payments to QB in 8 years....maybe needs a little more research/development. Pros Great customer service, I appreciate \[sensitive content hidden\] being available on a Saturday afternoon to assist me in getting into Cardx. Cons The thing I like least about Stax is that is does not integrate with Quickbooks by auto matching the transactions. I have to go in manually every month and match them. Review Source 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, Stax 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 Stax payment service there as well. Review Source CE Cory E. Owner Construction Used the software for: 2+ years ### "Rate Reduction Assistance" November 6, 2025 5.0 Overall, I was able to get my rate reduced to where I need it to be as a small business owner and \[sensitive content hidden\] was very professional and helpful following up with me via phone as well as email to close the loop. Pros I've had invoicing questions for the last 6 weeks and was able to resolve them while working with \[sensitive content hidden\]. Cons I originally worked with Cole but the ticket got closed out and I wasn't able to resolve the issue while working with him directly. So I had to call back in a few times and send multiple emails. Review Source VP Viktoria P. Supervisor Hospital & Health Care Used the software for: 2+ years ### "Supervisor" December 12, 2025 5.0 Pros We like that our offices can also use the website that is provided to take payments incase another staff member is using the terminal. Also, that we can see our payments on the portal. Cons Nothing bad to say, every team member is great and handles everything in a timely manner. In every situation we ran into, the problem has been resolved. Review Source Response from Fattmerchant December 17, 2025 Thank you for taking the time to share your experience!! We appreciate your continued partnership with Stax. ES Eric S. Owner Consumer Goods Used the software for: 6-12 months ### "If credit card processing is a major source of cashflow, DONT USE STAX" June 30, 2025 1.0 Switched over to Stax at the beginning of 2025, all was well, ran approx. 450 transactions a month, was close to $1mm in revenue through them and they froze my merchant account without warning. The freeze started on a friday and lasted the whole weekend (in which we were working and running cards). The total they froze was $45k in revenue. Customer service was awful and acted like this wasnt a big deal, to a small business its a very big deal. Never could get a direct phone number to speak with someone through this whole incident, email only. Took me 14 days to for them to release my funds. But you can bet they took there fees and monthly membership out right on time (before they released the funds). I requested a two month membership refund (which wouldnt even cover the cost of money I had to borrow to float this cashflow nightmare) and they refused. If you own a small business and credit card processing is an important part of cashflow DO NOT USE STAX Pros Nothing special about their processing verses my previous company, was promised better rates and im not even sure that was happening Cons Horrible customer service. The savings pale in comparison to the pain and heartache of dealing with them. 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 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. Stax 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. Talk to a Capterra advisor for free and get results within 15 minutes.