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Stax Review (2024)

Stax has processed over $9 billion in payments since its founding and has over 12,000 business customers.
By Michael GrawBy Michael Graw -
Last Updated: Jun 29, 2023
1,012 reviews
by
logo-STAX
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Rates
No percentage-based transaction fees
Contract length
Month-to-month
Free equipment
Yes

Is Stax Worth Signing Up For?

Stax by Fattmerchant is a payments processing service that charges a monthly subscription instead of percentage-based fees. That makes it potentially cheaper than other point-of-sale providers for small businesses with high monthly transaction volumes. The service is easy to use and covers both swiped and keyed-in payments. Stax doesn’t have early termination fees.

Rates
No percentage-based transaction fees
Contract length
Month-to-month
Free equipment
Yes

Stax at a Glance

9.2
Editorial Score

Low Rates

Flat fees - no per transaction rate
6.0

Low Fees

$99 per month, plus a flat fee of $0.08 per swiped payment and $0.15 per keyed-in payment
10.0

Payment Services

Full-service merchant accounts with Worldpay processing, countertop and mobile card readers
10.0

Additional Benefits

Clover equipment, centralized Stax Pay web platform, custom integrations and development, digital invoicing
10.0

Customer Support

24/7 customer support for Stax at 407-982-1782 or via an online ticketing system
10.0

Stax Pros & Cons

PROS

No percentage-based transaction fees
Includes swiped and keyed-in payments
24/7 customer support

CONS

Software requires an additional monthly subscription
Pricing structure is expensive for low-volume businesses

Top Stax Reviews

De
Denise
Fixed After Other Reps Failed
We had requested this correction multiple times over the past week and while we were told the correction had been made, it was not applied on our end. Katherine Rodrigues finally got this corrected for us. Her assistance was great, although the process of getting customer/technical service help is ridiculously difficult. These issues should never take multiple phone calls and waiting on hold for 50 minutes.
MW
Mandy Wencus
Quick reply
Quick reply, kind, helpful and patient employee.
JM
Jeremy Mcvay
Quick help and solved our problem.
Quick help and solved our problem.
See all Stax reviews

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Stax Stax Visit Site

Overview

Ideal For

  • Small businesses with high monthly revenue

  • Businesses that use both swiped and keyed-in payments

  • Business owners that want payment and analysis services in one place

What’s on Offer

  • Full-service merchant accounts with Worldpay processing

  • Countertop and mobile card readers

  • Support for both swiped and keyed-in payments

  • Subscription pricing with no percentage-based transaction fees

  • Centralized Stax Pay web platform for managing your accounts

  • Stax API for custom integrations and development

  • 24/7 customer support via online ticketing system


How Stax Works

Application Process

To apply for Stax, you’ll need to get in touch with the Fattmerchant sales team. You can request a quote online, and a sales representative will call you, typically within the same business day. This offers an opportunity to find out how many different Stax subscription services you’ll need and your approximate total monthly cost.

If you decide to go ahead with Stax, you’ll need your social security number and business license, as well as details about your business’s monthly sales. You can select what hardware and software tools you want to purchase, and Fattmerchant will ship out any hardware within a few days.

What’s Unique About Stax?

Subscription-based pricing

The most unique thing about Stax is its pricing model. Instead of charging a percentage of every sale your business makes, Stax offers a flat monthly subscription. You pay $99 per month, plus a flat fee per transaction. That means that the service has a built-in volume discount: the more payments your business processes, the more you’ll save relative to processors that charge percentage-based fees.

The basic monthly subscription to Stax includes a wide range of features. For example, you can process both swiped and keyed-in payments with PCI compliance built into the software. In addition, Stax comes with Quickbooks integration and online invoicing.

Stax Pay software

Stax also offers an online dashboard, called Stax Pay, where you can monitor your business’s sales data. This requires an extra monthly subscription, and you can select from three different tiers depending on the services you need.

At the top tier, the software includes advanced analytics that breaks down your sales by location and employee. It also offers a one-click shopping cart for e-commerce, inventory management, support for keeping customers’ credit cards on file, and recurring payments.

To be fair, the inventory management and invoicing features built into Stax Pay are relatively basic. There is no support for barcodes or SKUs, and you have to enter invoice details by hand instead of uploading a spreadsheet. Still, it’s very convenient to have these tools right alongside the rest of Stax’s payment features.

For businesses that need even more control over their payments, Stax Pay also includes a built-in API. The API is well-documented, but it’s not a plug-and-play solution like some other payment processors offer. You’ll likely want to enlist the help of a software developer to make the most of this offering.

Transparency

One of the things we like best about Stax is that the company is transparent. The terms of service are published right on the Stax website, so you can review them before you start the process of signing up for a plan.

On top of that, all Stax contracts are month-to-month, and there are no early termination fees. You just need to give 30 days’ notice to cancel your subscriptions.

Stax Customer Support

Fattmerchant offers 24/7 customer support for Stax via an online ticketing system. We found that responses typically arrive within a few hours. The Stax website also has a detailed online knowledge base, although this is more focused on explaining the service’s features than on troubleshooting.

Stax Pricing

Pricing & Special Offers

Stax offers a standard $99 per month subscription that includes payment processing and some essential features like PCI compliance. There are no percentage-based fees on payments, but you’ll pay $0.08 per swiped payment and $0.15 per keyed-in payment.

Stax Pay requires an additional subscription. The Starter plan costs $49 per month and offers a basic reporting dashboard and support for ACH payments. Stax takes a 1% fee on ACH payments, up to $10. The Growth plan costs $89 per month and adds more analytics tools, API access, and Text2Pay support. The Pro plan costs $129 per month and unlocks all Stax Pay analysis features plus inventory management, a one-click shopping cart, and recurring payments.


Subscription

Additional Fees

Payment Processing

$99 per month

$0.08 per swiped payment

$0.15 per keyed-in payment

Stax Pay

$49, $89, or $129 per month

1% of ACH payments, up to $10

Stax also offers hardware payment terminals, but pricing varies by the model you want and based on which subscription plans you sign up for. So, you’ll need to request a quote to find out how much a terminal will cost.

Stax Stax Visit Site

Bottom Line

Stax by Fattmerchant can be a good option for small businesses with high monthly revenue. The subscription pricing model and lack of percentage-based transaction fees mean that payment processing costs are consistent over time. Plus, your business effectively receives a discount relative to other payment providers when processing large transactions.

Stax can also be worthwhile for businesses that want analytics, software integrations, and e-commerce on the same platform. The Stax Pay software makes it simple to accept payments in almost any form and to track revenue across your business. Although some of the features are limited relative to purpose-built solutions, there’s a lot to be said for having all of your payment tools together in a single software suite.

Michael Graw is a freelance writer specializing in finance, business, and tech who writes for Top10.com. His work has appeared in numerous well-known online and print publications, including Techradar, BestMoney, Business2Community, Day Trade Reviews, Pacific Standard, Fortune, Business Insider, and more.

Stax reviews

Great • Reviews 1,012
on
Excellent
74%
Great
9%
Average
2%
Poor
3%
Bad
12%
Sort by
De
Denise
2 weeks ago
Fixed After Other Reps Failed
We had requested this correction multiple times over the past week and while we were told the correction had been made, it was not applied on our end. Katherine Rodrigues finally got this corrected for us. Her assistance was great, although the process of getting customer/technical service help is ridiculously difficult. These issues should never take multiple phone calls and waiting on hold for 50 minutes.
MW
Mandy Wencus
2 weeks ago
Quick reply
Quick reply, kind, helpful and patient employee.
JM
Jeremy Mcvay
2 weeks ago
Quick help and solved our problem.
Quick help and solved our problem.
LB
Lynn Baumgarter
2 weeks ago
Professionalism & Great Communicaion Skills
Katherine listened, suggested process & emailed the forms needed & provided additional information.

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