# Page 2 | Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - Is Stax the right Payment Processing solution for you? Explore 129 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 (129) 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 # Page 2 - Reviews of Stax ## Showing most helpful reviews Showing 26-50 of 129 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use AH Andrew H. Owner Medical Practice Used the software for: 2+ years ### "Glad to be partnered with Staxx" May 20, 2026 5.0 Exceptional Customer Service and Support, easy platform, good merchant machine and online portal! I highly recommend them to all medical practices due to the high volume of cards this industry swipes. Pros I like that I do not recieve surprise fees! Stax is great, my monthly merchant charges have gone down from years past. The customer support is exceptional, someone is always available to answer and direct me with help. Even when I opened a ticket for a very specific question about integration into a new system I got a response within the hour! I fonly everyone worked that quickly. Cons No complaints about stax. For future might be nice to be able to integrate with other medical softwares because I would tell all of my chiro friends! Switched from [Clover](https://www.capterra.com/p/226864/Clover/) better pricing, new terminal, ease of portal Review Source 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 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/ LS LESLEY S. Therapist Health, Wellness and Fitness Used the software for: Less than 6 months ### "Lots of good, some meh" April 27, 2026 3.0 Over all I am pleased with the pricing, but it is less convenient than Square in many way. Customer service has been helpful and responds in a timely fashion. Pros I picked Stax because Square was increasing its prices, and I wanted to avoid passing more costs on to my customers. Cons It takes to long for yesterdays charges to make it to my bank account. Using Square, if it was charged by 8pm, it was deposited very early the next morning. The dashboard on the mobile app is not as user friendly or capable as I would like in checking daily, weekly charges. New payments using store credit cards is time consuming and cumbersome. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/) Reason for choosing Stax It made the most sense financially and had the best reviews. Switched from [Squarespace](https://www.capterra.com/p/143461/Squarespace/) They were raising rates, and I did not want to pass on higher costs to my clients. Review Source Response from Fattmerchant April 28, 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. 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 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 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. 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/ 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 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. 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. Stax 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 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/ 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 Stax 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/ AM Annie M. Administrative Supervisor Civic & Social Organization Used the software for: 2+ years ### "Good rates and service" May 5, 2026 4.0 Pros The customer service is excellent. The response time and communication is prompt and thorough and the rates are competitive! Cons The lack of accessibility to transactions in real time is a significant disadvantage with the dejavoo devices and device integration across the stax platform very cumbersome 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/ 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 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. 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 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 KV Karsten V. CEO Accounting Used the software for: Less than 6 months ### "Great Payment Processor - Good Fee Structure & Support" April 27, 2026 5.0 Contacted Stax after I got a 20% reserve on Stripe, without warning or being able to contact a human being about it. Stax got me setup within 48 hours with a great fee structure and amazing payment capabilities. Pros Solid fee structure. Personal account manager/support. Ability to take ACH over the phone without micro-deposits. Setup & approved within 48 hours. Cons The UI on their payment portal is wonky. Most other processors have much much prettier UIS. Recurring payment features are also a bit wonky, but it works so whatever. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Stripe gave me an overnight "suspension" because of 2 chargebacks out of 200 transactions. 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. Talk to a Capterra advisor for free and get results within 15 minutes.