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Stax

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Subscription-based payment processing with zero markup on interchange costs

Payment Processing Software
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  • Deployment Cloud Based
  • Starting price $99
  • Free trial Not offered
  • Best for SMEs, Agencies, Startups

What is Stax?

Stax (formerly Fattmerchant) is a US payment processing company that uses a subscription pricing model instead of taking a percentage markup on every transaction. Merchants pay a flat monthly membership fee based on annual processing volume, plus a small flat fee per swiped or keyed transaction, with no additional markup on the underlying interchange rate.

The platform includes a mobile card reader, virtual terminal, invoicing, recurring billing, reporting, and access to 200+ integrations through Stax Connect. It is best suited to established small and medium businesses processing at least a few thousand dollars a month, since the subscription model becomes more cost-effective at higher volumes.

Key Features of Stax

Stax lists 9 documented features, including Subscription pricing with no percentage markup on interchange, Flat per-transaction fees for swiped and keyed payments and Mobile card reader connecting via Bluetooth, USB-C, or Lightning. The list below covers what the product does rather than how it is marketed.

  • Subscription pricing with no percentage markup on interchange
  • Flat per-transaction fees for swiped and keyed payments
  • Mobile card reader connecting via Bluetooth, USB-C, or Lightning
  • Online invoicing with recurring billing and payment links
  • Real-time reporting and analytics dashboard
  • Credit card surcharging tools to offset processing costs
  • Stax Connect with 200+ third-party integrations
  • ACH processing capability
  • No long-term contracts

Stax Pricing

Stax lists 3 plans. Two carry a published figure, from $99 to $139; the rest are quoted on request.

Starter subscription

$99

per month, processing up to $150,000 per year

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Subscription with 0% markup on direct cost interchange, plus $0.08 per card present and $0.15 per card not present transaction.

Growth subscription

$139

per month, $150,000 to $250,000 processed per year

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Same direct cost interchange model at a higher monthly subscription.

High volume subscription

$199+

per month, $250,000 or more processed per year

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Businesses processing more than this are invited to request a custom quote.

Stax Specifications

Stax is available on web app and has iOS and Android apps. It offers an API.

Deployment
  • Cloud Based
Billing cycle
Monthly
Desktop
  • Web App
Mobile
  • iOS
  • Android
Languages
  • English
Built for
  • SMEs
  • Agencies
  • Startups
Support
  • Email
  • Phone
  • Live Support
Integrations
QuickBooks, 200+ integrations via Stax Connect, various CRM and accounting platforms
Public API
Yes
Free trial
No
Free plan
No
Runs in browser
Yes
Customisable
Yes
Website
staxpayments.com

Stax Videos

Stax Screenshots

Stax screenshot 1

Stax Reviews

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Stax FAQs

Stax charges a flat monthly subscription instead of a percentage markup on transactions, adding only a small flat fee per swipe or keyed payment on top of interchange.

Businesses processing at least around $5,000 or more per month in card transactions tend to benefit most from the subscription model.

No percentage markup is charged on payments; merchants pay 8 cents per swiped payment and 15 cents per keyed payment on top of the monthly subscription.

Yes, Stax supports in-person mobile card readers as well as online payment pages, invoicing, and payment links.

Yes, Stax Connect provides more than 200 integrations with accounting, CRM, and business software.