# Page 4 | Stax Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 4 - 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 4 - Reviews of Stax ## Showing most helpful reviews Showing 76-100 of 117 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use IP Irene P. Office Manager Automotive Used the software for: Less than 6 months ### "Customer Service" October 16, 2025 5.0 Pros We had a situation where our accounts were reversed via the bank. It took 1.5 months to resolve and I have talked to at least 4 reps (2 of which were level 3). When \[sensitive content hidden\] handled my account, it got resolved quickly. She was able to advise a solution, which none of the other reps even suggested. She deserves a raise! Cons How long it took to resolve the issue. It took 1.5 months to get our accounts switched. There was a lot of waiting on the bank. Review Source JA Julie A. President Fine Art Used the software for: Less than 6 months ### "Wonderful Company " September 23, 2025 5.0 Pros Customer Service is super helpful. Reps are helpful, easy to use. Love working with them. Great company! Cons Nothing! 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/ TB Twila B. Office Manager Health, Wellness and Fitness Used the software for: Less than 6 months ### "1st Month With Stax" March 25, 2026 5.0 It has been very smooth and streamlined. \[sensitive content hidden\] the sales rep that I worked with was great. Customer service has been great as well Pros I like the fact that there is just one set monthly fee. It takes the guess work out of trying to navigate credit card fees each month. Cons Nothing yet. This is our first month with then and I haven't found anything yet that I don't like. So far so good! Review Source KH Kaylani H. Personal Trainer Health, Wellness and Fitness Used the software for: Less than 6 months ### "User Friendly " November 23, 2025 4.0 Overall I am pleased with Stax. It was easy to sign up with and any issues I have called for they have been very responsive and friendly. Pros It is very user friendly. Everything is organized and easy to find. I appreciate the automated payment method for clients that want to use it. Cons I wish that when using the card reader for a payment it would save the card information so if the client does want to do automatic payments that you don’t have to put in all the information by hand. Review Source MM Marc M. Managing Partner Marketing and Advertising Used the software for: Less than 6 months ### "Interminable " August 29, 2025 3.0 Spotty. Nice people. Much of it has to do the underwriters and possibly how STAX is set up to manage inbound clients. \[sensitive content hidden\] was a knowledgeable and relatively responsive guy but something was wrong with this process. Pros Business model and wholesale rates with a subscription model. That was what I liked most about Stax . Cons Where to begin. The underwriting process was absolutely inane and hellacious and required months and months of my time. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Stax cheaper and it seemed to make sense . Review Source AW Allison W. Owner Retail Used the software for: Less than 6 months ### "Good Processor" December 12, 2025 1.0 My experience with Stax so far has been good. The customer care is also nice and responsive to any issues. Pros I like the ease of use and rates Stax offers. I have only used them for a short period of time, but so far so good. Cons So far, there's nothing I don't like. Stax has been easy to use and I'm looking forward to more transactions. Review Source PC Patrick C. Owner Medical Practice Used the software for: 1-2 years ### "Dubious excuses to problems" July 4, 2024 2.0 They are fine until you have a problem. Do yourself a favor and ask around and do your due diligence before signing up. This way, when things go bad you can only blame yourself. Pros On time banking. Sales people nice, but aren't they all? Cons Customer service, sneaky price instability. Alternatives considered [Cloverleaf](https://www.capterra.com/p/232657/Cloverleaf/) Reason for choosing Stax Initial pricing was better, good sales people (who unfortunately don't do customer service). Switched from [Cloverleaf](https://www.capterra.com/p/232657/Cloverleaf/) Initial price, which equalized after 2 years. Review Source AY Allen Y. CFO Health, Wellness and Fitness Used the software for: 2+ years ### "Bad customer service, sneaky company" June 11, 2024 2.0 Very bad experience with Stax. We started with a company called payment depot in 2021. In 2022 Stax bought payment depot, and our nightmares began. The fees went up from 1.9% to 2.4. Then in 2023 it was 3.2%. They changed our fees despite sending us email at time if their merger that everything would stay the same. When we asked for some discounts, they dragged their feet but keeping our hopes up by saying specialists would reach out regarding special discounts. Nothing happened. When we finally decided to close our account and called about the timing and process, they told us it was pretty immediate - that it would be a one at most two day process. When we finally set up our new merchant processing abd contacted them about closing it now he one a 10-15 day process plus a 30 day notice - so 45 days we have to pay their monthly fees of hundreds of dollars. Stay away from this unethical business. We are so sorry we did business with them. Pros Ease of use; nice when the company was still payment depot until Stax took over Cons Uncaring, incompetent customer service; high costs; stealthy increases in costs Review Source KO Kevon O. Admin Accounting Used the software for: 1-2 years ### "Don’t use stax" April 20, 2024 2.0 Twice a year I think about looking for a new company but stay because sometimes I’m too lazy to do the work transition to a different company. Customer support when you reach them is OK PCI‘s terrible. Pros It’s as good as some of its competitors. Cons Customer support and PCI mostly PCI customer support is not convenient though Reason for choosing Stax Because I thought it would be better and less expensive … it’s neither but the sales team did well Switched from [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Because I thought it would be better and less expensive. It’s not markedly either. Review Source WD William D. GM Hospitality Used the software for: 2+ years ### "The price is good but it has been a change for me now that they are getting more popular." February 15, 2021 4.0 It started out as a pleasant surprise but the last year has not been as good. Their business is expanding at a serious pace and they are adding features for the price increases but I do not find value for me or my business in the new features. Pros The costs are good and the billing is straightforward. The customer service has been very good but has been slipping the last few years. I referred about 4 other local businesses in my area to Fattmerchant over the years. Cons The price keeps going up and I am a 4-month seasonal hospitality business that has been seriously affected by the pandemic. I also know that all prices go up, however, I was told in the beginning that I was in early for their company and my price would stay the same. Whether or not that was a sales tactic so I would give them a chance 5 years ago I do not know. I remembered that statement. A few months ago I got blindsighted with a big increase in my monthly cost. They are working on it but it is 3 months and it is still not resolved. It still is a low-cost merchant provider compared to others but I have a regional restaurant buying club alternative that has been begging me to give them a chance so I may because of this issue. Reason for choosing Stax The cost and the phone support was very good during the signup process. I also had an issue within the first few weeks and they straightened it out immediately which made me give them a longer chance. It has been 5 years with them. Review Source PC Pam C. owner Consumer Services Used the software for: 1-2 years ### "Ripped us out of $20,000" December 29, 2023 1.0 Terrible. Can't talk to anyone when you call other than an answering service who creates a ticket. Pros Nothing good to say about it. They were good until they weren't Cons Still withholding funds from 11 days ago. Didn't warn me or tell me why until I left multiple support tickets. They needed me to do something to update THEIR new bank info and didn't tell me in advance. Still owe me $20,000 saying it will fund "early next week" Review Source VR Verified Reviewer Chief Operating Officer Mental Health Care Used the software for: Less than 6 months ### "Worst customer service experience" July 28, 2023 1.0 We switched to Stax Payment in sometime in the Spring, attracted by their competitive rates and promising software. But shortly after commencing transactions, our account was put under review, initiating a weeks-long process of supplying requested business documents via email. This froze the majority of our collected funds, causing significant cash flow issues for our small business. We were finally approved after a phone conversation with a representative.Two months later, while I was on vacation, our account was flagged. Despite numerous attempts to contact Stax, including leaving voicemails for the representative who had previously helped us and reaching out to our initial sales rep, we received no response. Ultimately, they terminated our account. This has caused us to scramble to set up another payment processing system. If we were not in a position to have some flexibility in the matter of payment processing, I cannot imagine how we would continue to run our business at the moment. If you are a smaller business that values customer and account support, look elsewhere! Pros Software is straightforward and they offered competitive rates. Cons Customer and account support. Lack of communication. Review Source JS Jeff S. CEO Apparel & Fashion Used the software for: 1-2 years ### "Worst with dealing with Chargebacks" November 28, 2023 3.0 Pros It works for payment processing works for the most part Cons Customer service, especially chargebacks, is horrendous. They use IQ for support which is offshore and they give bad information, don't know how to handle and the system is junk as you cannot respond Switched from [Helcim](https://www.capterra.com/p/149107/Virtual-Terminal/) Poor customer service from the payment clearing house Review Source AW Alex W. Owner Commercial Real Estate Used the software for: 2+ years ### "Terrible customer service" March 27, 2024 1.0 Pros I signed up with Payment Depot over 10 years ago with my first business and they were great. I have had multiple companies that utilized payment depot however since Stax bought Payment depot the customer service is non existent. Holds can be hours with no resolution for minor issues that should take 5 min to resolve. Customer service agents have to communicate via email with each other from remote locations. Highly ineffective business model. Cons Non existent customer service. Being left on hold for hours at a time. Review Source SS Steve S. President Hospitality Used the software for: 2+ years ### "Horrible Customer Service - Stay Away!" May 10, 2022 1.0 Negative -100 Pros 10 years ago when we wet up the account it was the price structure. Cons They surprisingly increased our monthly fee structure without warning from $49 per month to $199 for 6 Merchant Accounts. No communication back with concern over this matter. No call back no emails back. I tried to cancel and they still charged me for 4-6 months after wards. Still battling to get a refund 7 months after the fact. Switched from [Dharma](https://www.capterra.com/p/175744/Dharma/) Customer Service and Price Review Source DS Don S. President Recreational Facilities and Services Used the software for: 6-12 months ### "Some Ease of Use but to many problems" July 17, 2023 2.0 Converted from an existing system. Was clear that we needed daily batches and had to work with our current POS system, pricing was Stax Monthly Membership Fee and Wholesale Merchant fee's plus fee per transactions. Stax confirmed in writing yes to everything. Never worked with our POS, Fee's are significantly higher than quoted, batching does not at all match daily transactions processed, dates are intermixed so hard to reconcile. = No support, people will not even talk to you. Pros The Stax on line terminal seams to function well. The employees who use this feature have been pleased. Cons Reporting is poor, trying to get batch reports and data to reconcile with is horrible (multiple dates and devises are mixed together.). No body wants to work with you to solve problems. Review Source Matt M. Founder Marketing and Advertising Used the software for: 6-12 months ### "We save $1,000's on fees with FattMerchant" December 3, 2019 5.0 Their support is great. I've had dozens of questions and they always get back to me. And they send your payments super fast. Great experience overall. Pros Flat rate pricing! Oh man, this is a breath of fresh air. After using stripe and square to process payments we have absolutely loved the simplified pricing structure that Fattmerchant uses. Only paying interchange fees and a fixed monthly rate saves us $100's each month. Cons The integrations are weak. We've had to build a few workarounds to get fattmerchant to work with our tech stack but it's been worth it. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Pricing and better customer service. It's nice to work with real humans. Review Source SJ Steve J. VP Retail Used the software for: 6-12 months ### "FALSE pricing structure for processing " February 14, 2023 1.0 Customer service is horrible! For example I called twice today to speak with a rep about issues. On hold for about 20-30 mins each time. You are the 4th caller in line .. followed by 2nd caller in line .... followed by your next caller & then ........ NO Representatives to take your call. Please submit your issue online. Which I did 3 times before. Pros The processing is supposed to be straight forward & provide a free card machine BUT ..... Cons BEWARE!!! Their fees are completely misleading!! Been processing with them for a few months now & besides the $99 monthly fee be prepared for ... Chargeback service fee, Monthly Location Fee ...PCI Compliance Fee & something called Minimum Bill Adjustment. We process an $45-60K per month. Look somewhere else in my opinion as I am doing right now. Review Source JC Jonathan C. CEO Retail Used the software for: 2+ years ### "Terrible service, fraudulent billing" October 12, 2022 1.0 Pros Nothing since Staxx payment took over, this used to be a better service before. Cons Terrible service and literally fraudulent billing, they're refusing to refund us thousand of dollars after an explicit cancellation request. Review Source MS Michael S. Owner Professional Training & Coaching Used the software for: Less than 6 months ### "Poor customer service " July 8, 2023 2.0 Their staff does poorly when following up with customers. I will switch with in the next week as soon as I find a suitable replacement. Pros The terminal is average. It has performed all the necessary functions, even with poor customer support. Cons Poor customer service. The customer service amounts to calling representatives numerous times with no results. Reason for choosing Stax Just the opposite I inherited stax. Review Source SB Shivani B. ceo Health, Wellness and Fitness Used the software for: Less than 6 months ### "worst payment processor" July 19, 2023 1.0 I would never use or recommend this company. So dishonest. Pros GREAT SALESPEOPLE who give you a song and dance, BUT so very dishonest Cons The fee structure was grossly misrepresented. I was told my account was closed in April 2023. They keep taking funds out of my account despite their associate sending me an email stating that my account is closed. Total liars and so dishonest. Review Source DA Doug A. Sales Insurance Used the software for: Less than 6 months ### "The Fort @ Exit 18 LLC " February 8, 2023 1.0 Your company uses very sly business practices and you should be ashamed of the way your procedures are marketed. You provide a quote and then proceed to start the business without consent of the consumer!!!! I would say that that would be FRAUD in ANY STATE !!! Not to mention that you can't even get ahold of the person that originally quoted the account and get an answering service!!!! I will mention your company to many of my businesses to stay clear of your company!!! Pros The woman that quoted us was very nice and upfront and provided us with a competitive quote. Cons The company literally moved forward without even our consent. We were upfront with the person who provided the quote and were still gathering additional quotes. I called the number on the e-mail and you get an ANSWERING SERVICE!!!! Noone EVER called me back and got an e-mail stating they will remove our business from their company!! BE VERY AWARE THIS COMPANY HAS LOW MORALS AND VERY UNETHICAL BUSINESS PRACTICES. I WOULDN'T RECOMMEND THIS COMPANY TO MY WORST ENEMY!! TERRIBLE CUSTOMER SERVICE AND BUSINESS ETHICS AS A WHOLE!!!! BUYER BEWARE!!!!!! Review Source LM Lin M. Manager Restaurants Used the software for: 6-12 months ### "Terrible system, worst client support" April 23, 2023 1.0 Pros Not even the fee for the payment we lost. Cons No account representative, no Client support Review Source RC Randy C. Owner Chemicals Used the software for: Less than 6 months ### "Easy to Use - Customer Service On Point" April 4, 2019 4.0 Being able to keep cards on file and charge them after my lawn services are complete is a lifesaver. It keeps me from having to bill each customer, or chase my money down from now on. Also, the way they charge you for accepting credit cards is extremely clear and one reason I went with them. The larger I get, the more affordable FattMerchant will be as well, since the main cost each month is the flat monthly fee that will never change for you once you sign-up with them. Pros Fattmerchant is so easy to use, even to me who has never really used a credit card processor to speak of. The software hasn't been without flaw, but what I like is anytime an issue has come up I email the small team at FattMerchant and they get back to me quickly and work to fix the problem and then update me on their progress. Maybe someday when they get really big this won't be the case, but for right now I am really impressed with their response and customer service. I've already recommended this to one of my friends and will be recommending it more in the future. Plus they give incentives for recommending them, which is nice. Cons I wish they had a way where I could send someone a form and not an invoice to collect a card number. I wouldn't even need to be able to see the entire number, but if it could just collect it to be charged in the future. Right now the only way I have to collect a card number is either have the customer pay the first invoice, or have them call me and collect it over the phone, which I don't like. This is really the only thing I wish they would find a solution for though. Review Source CR Cobren R. Office Manager Consumer Services Used the software for: Less than 6 months ### "Professional" January 29, 2019 5.0 The software is amazing; But more than that it is the customer service I have received. the last thing I wanted in a merchant was someone that was inefficient, ineffective and hard to reach. I got NONE of that from Fattmerchant. They treat me like they have a huge privilege in handling my money. That is pretty much unheard of in this industry. Pros This software is great. Easy to use, intuitive, and comprehensive with information that matters to you. The thing I like the most about it is the ability to send customers a link to pay there invoice to there phone or email. Great Software Cons I have had no issues with this software at this time. Review Source Talk to a Capterra advisor for free and get results within 15 minutes.