HomeBusinessStax By Fattmerchant Assessment 2022 | Finest Credit score Card Processing Corporations

Stax By Fattmerchant Assessment 2022 | Finest Credit score Card Processing Corporations

Stax Editor's Rating: 87/100

Pricing 35/100
Contract 100/100
PCI compliance 100/100
Early termination tee 100/100
Quick deposits 100/100

Why Stax Is Finest for Excessive-Income Companies

With a tiered, flat-rate pricing mannequin, Stax is our high bank card processor for companies that generate annual revenues of $500,000 or extra. Stax options quite a lot of {hardware} and point-of-sale (POS) system decisions, in addition to quite a few free integrations. The corporate additionally presents add-ons, like the power to retailer card info, gross sales monitoring, and model customization for invoices, receipts and web sites. 


  • Flat-rate pricing and tiered plans permit high-volume companies to scale up their processing service as they develop and unfold out fastened prices. 
  • Stax presents quite a lot of customer support choices, together with telephone help, stay chat, e mail and a FAQs data heart. 
  • You'll be able to arrange recurring subscription transactions and retailer buyer cost info. 
  • It integrates with most POS suppliers and presents all kinds of extra options, together with report technology and invoicing. 


  • The excessive worth could put the service out of attain for small companies on a funds. 
  • No proprietary {hardware} is on the market, so you need to buy your personal {hardware}. 


Stax presents a centralized dashboard that gives an summary of the metrics which are most essential to your corporation.

Supply: Stax

We discovered Stax's consumer interface to be easy, feature-rich and pretty intuitive. The software program goes nicely past the know-how supplied by most cost processors, and Stax boasts higher performance than many POS packages that present related capabilities. 

A panel on the left aspect lists Stax's most important options, together with report technology, funds, invoices and disputes. The principle dashboard shows info similar to settlements and deposits, in addition to gross sales and refunds. Stax's superior customization permits customers to edit their show settings for issues similar to color-coding. 

One widespread characteristic of Stax is its recurring funds system, which permits enterprise homeowners to securely retailer cost info and schedule funds right down to the precise day. If prospects change cost strategies, you may merely edit their info relatively than arrange a brand new cost profile.

We discovered the Stax Pay cell app to be equally nicely developed, with a smooth, easy-to-use interface, though some buyer opinions complain about technical points with the cell card reader {hardware}. 

All of Stax's methods are PCI compliant with no legal responsibility for the enterprise proprietor, which takes care of a technical problem that frustrates many small companies. 

Stax Options

Bank card terminals Stax presents a spread of card readers and cost gateway integrations.
Safety All methods are absolutely PCI compliant; Stax ensures encryption on all units.
POS integration Stax integrates with varied POS methods, together with ShopKeep, Revel and Vend.
Buyer help There's 24/7 buyer help by telephone, e mail, or stay chat, in addition to a FAQs knowledgebase on Stax's web site.
Cellular funds The Stax Pay cell app permits you to course of transactions, overview gross sales metrics and extra.
Customization and integration You'll be able to customise the branding on invoices, receipts, and funds, in addition to combine with widespread enterprise software program packages, similar to QuickBooks.
Invoicing You'll be able to ship invoices and settle for recurring funds from subscriptions.

Credit score Card Terminals

Stax presents plenty of card readers for buy, in addition to quite a lot of cost gateway integrations. Card readers and safety plans vary from $9 to $29 per thirty days for every gadget. Safety plans cowl gadget upgrades and replacements. Stax covers free gateway integration, whereas gateway suppliers themselves typically cost a payment. This can be a nice good thing about working with Stax, particularly in the event you've already arrange a POS system for your corporation. 


As a Stage 1 PCI Service Supplier, Stax presents the best degree of PCI compliance. The corporate tokenizes and encrypts cost information on all units to guard cardholder information. The data is eliminated after the completion of the transaction. This safe cost course of helps forestall third events from accessing information or intercepting transaction info. 

POS System

Stax integrates with among the greatest POS methods, together with ShopKeep, Revel and Vend. These integrations are freed from cost with Stax, however the POS system could cost its personal charges for integration. In line with Stax, the corporate helps roughly 90% of third-party POS methods. Prospects are inspired to achieve out on to Stax to inquire about integration with particular POS methods. 

TipTip: Wish to be taught extra about POS methods and the way bank card processors combine with these platforms? Learn our information on easy methods to arrange a POS system.

Buyer Help

Stax presents 24/7 buyer help by way of telephone, e mail or stay chat, and the corporate covers a broad vary of often requested questions on its web site. 

Cellular Funds

The Stax Pay cell app permits small companies to course of transactions, overview gross sales metrics, handle stock and ship receipts. App customers can join a cell swiper to their pill or telephone by way of Bluetooth to just accept funds. Stax Pay is appropriate with iOS and Android units. One other helpful characteristic is Stax's text-to-pay possibility, which permits companies to textual content prospects a mobile-friendly hyperlink. Few bank card processors present this further characteristic. 

Customization and Integration

Stax presents small companies the choice to customise invoices, receipts and funds to match their particular person model, in addition to set permissions for different workers. Prospects can even seamlessly combine software program similar to QuickBooks, Wave, Xero, Mailchimp, HubSpot and Zoho. 

Stax by Fattmerchant customization
Stax presents top-notch customization choices for each enterprise kind.

Supply: Stax


One benefit of Stax over bare-bones bank card processors is that you would be able to ship invoices and settle for recurring funds. This characteristic is helpful for subscription-based companies with recurring income sources that make funds recurrently. Automating recurring funds may help assure money circulate and cut back subscriber churn.

Stax Prices


Stax is widespread for its subscription-based pricing and no extra interchange charges. If your corporation brings in a constantly giant variety of gross sales, Stax's pricing mannequin could include main financial savings. The next pricing tiers can be found from Stax.

  • Progress: $99 per thirty days features a free terminal or cell reader, ACH processing, free surcharging capabilities, a dashboard and analytics (Lite model), and fast funds and backup processing.
  • Professional: $159 per thirty days consists of all the options within the Progress plan, plus digital invoicing, text-to-pay, web site cost hyperlinks, safe bank card info storage, open API integration capabilities, enhanced dashboards and reporting, and accounting reconciliation sync with QuickBooks On-line. (Study extra about this software program in our QuickBooks On-line overview.)
  • Final: $199 per thirty days consists of all the options within the Professional plan, plus recurring invoices and scheduled funds, automated updates for saved bank cards, one-click procuring cart setup with catalog administration, superior dashboards and reporting, information exports, and entry to premier help.
  • Enterprise: The pricing for this plan varies as a result of it's custom-made to every enterprise's wants. This feature is greatest for companies that herald over $1 million in whole transactions annually. 

Key TakeawayFYI: If your corporation just isn't but on the $5,000-per-month mark, Stax may very well be probably the most costly bank card processing firms on our listing for you.

Early Termination Charge

Stax doesn't require a contract or cost an early termination payment. Nonetheless, it does require 30-day written discover previous to service cancellation. 

Month-to-month Charges

Somewhat than imposing fluctuating charges, Stax costs a flat month-to-month subscription payment. With a beginning month-to-month price of $99, the payment is hefty in contrast with these of different bank card processors on our listing. That stated, companies with a big gross sales quantity can truly save with Stax as a bank card processor, as a result of that fastened payment is unfold out over many transactions. Moreover, Stax costs fastened interchange charges

PCI Compliance Charge

Stax consists of the PCI compliance payment in its subscription worth relatively than making it a further payment. This built-in value is one other method Stax beats the competitors on the subject of serving large-volume companies. 

Along with subscription plans, Stax presents add-on options for each plan. These non-obligatory options embody customized branding, digital reward playing cards, same-day funding and a one-click procuring cart. 

Key TakeawayFYI: Stax costs a $25 payment for all chargebacks associated to buyer disputes, whatever the dispute end result.

Gear Prices

Stax doesn't require you to purchase or lease gear, and you should utilize a terminal of your selection. Your {hardware} necessities rely upon the sorts of funds you want to settle for (in-store, cell, e-commerce, and so on.). 

These are among the {hardware} choices:

  • Dejavoo terminals
  • PAX A920 terminals
  • Cellular card readers
  • Chipper BT
  • Chipper 2X BT

Different cell readers can be found for $75. If you have already got gear, it is going to doubtless combine with Stax. The corporate says it presents integration with 99% of {hardware} and software program. 

Stax Pay, the corporate's free built-in funds platform, includes a dashboard to view buyer information, overview stock, handle invoices, course of transactions and deal with reporting. 

Add-ons are additionally accessible (with customized pricing), together with these extras:

  • Superior dashboard customizations 
  • Dispute supervisor for chargeback monitoring
  • QuickBooks On-line integration that syncs information between Omni and QuickBooks On-line
  • Terminal safety 

Whereas interchange charges do not fluctuate with Stax, you may count on to pay extra transaction charges. Every in-person transaction is a further 8 cents, whereas manually entered transactions are an additional 15 cents every. 


To use for Stax's providers, you need to get in contact with a gross sales consultant by calling or submitting a web-based type. A questionnaire will show you how to decide which package deal is correct for your corporation, utilizing a number of standards, together with your corporation's trade, your private background and your {hardware} wants. After that, you'll obtain a quote for the pricing tier that matches your wants. (Companies that course of greater than $500,000 yearly can contact the corporate for a customized quote.) 

As soon as your utility is authorized, a Stax consultant will introduce you to a devoted account supervisor, who will start the onboarding course of particular to your corporation's wants and stroll you thru any cost strategies you require. 

Buyer Service

Stax presents 24/7 buyer help by way of telephone, e mail, fax or stay chat. The corporate additionally covers a broad vary of often requested questions on its on-line knowledgebase. Prospects additionally achieve entry to a devoted account supervisor and in-house technical help. 

The vary of Stax's customer support choices decisively beats out many options on our listing of the greatest bank card processors. Furthermore, we discovered Stax's customer support representatives to be responsive and educated in regards to the service's options. 


Though Stax stands aside as probably the most feature-rich choices, you have to be prepared to pay up for that performance. The minimal $99 month-to-month subscription payment could put the service out of attain for a lot of small companies on a funds, and prospects should buy their very own cost {hardware}. On consumer overview websites similar to Trustpilot, some prospects complained about charges for add-ons or worth will increase. Though Stax presents 24/7 customer support by telephone, it could typically be understaffed; some reviewers wrote of lengthy maintain instances and wait durations between messages. 


To conduct our overview of Stax's bank card processing service, we organized a stay demo with the Stax workforce, which gave us a walk-through of the product and carried out an intensive question-and-answer session. As well as, we analyzed Stax's web site, advertising supplies and buyer opinions on the net. To make our determination, we zeroed in on standards similar to affordability, ease of use, and options which are related to small companies. Ultimately, we selected Stax's bank card processing providers as the very best for high-revenue companies due to its tiered, flat-rate pricing mannequin, which permits high-volume companies to scale with out switching suppliers. 


What's Fattmerchant?

Fattmerchant is a cost know-how firm that rebranded as Stax in 2021 to raised replicate its place as an total monetary options supplier. 

How a lot does Stax by Fattmerchant value?

Stax's entry-level plan begins at $99 per thirty days. 

Is there a termination or cancellation payment for Stax?

There isn't any early termination payment. You'll be able to cancel anytime by calling Stax buyer help. 

Backside Line

We advocate Stax by Fattmerchant for …

  • Quick-growing companies that course of a excessive quantity of transactions. 
  • Subscription-based companies. 
  • Companies that need information visualization and different options that bank card processors do not usually provide. 
  • Enterprise homeowners who need entry to all kinds of customer support and technical help choices. 

We do not advocate Stax by Fattmerchant for …

  • Companies that course of lower than $5,000 per thirty days.
  • Companies on a decent funds. 
  • Companies that need an built-in POS and bank card processing system, or proprietary {hardware} from the identical firm that does the processing. 

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