Stax
Embedded payments software
Payment processing software
Enterprise payment software
Payment software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$99 per month
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What is Stax
Stax is a payment processing platform that provides card-present and card-not-present payment acceptance for businesses, along with tools for invoicing, recurring billing, and reporting. It targets small to mid-sized merchants and some larger organizations that want a processor with software features and integrations rather than building payments infrastructure from scratch. Stax is commonly positioned around subscription-style pricing and offers add-ons such as ACH, virtual terminal, and integrations with business systems. It also offers APIs and partner options for some embedded or integrated payment use cases, depending on the program and underwriting requirements.
Broad payment acceptance options
Stax supports common payment methods and channels, including online payments, virtual terminal, invoicing, and in-person acceptance via hardware. This breadth can reduce the need to stitch together multiple point solutions for card-present and card-not-present workflows. For teams that need both one-time and recurring payments, the platform covers typical billing patterns without requiring a separate billing system.
Subscription-style pricing model
Stax is known for offering a membership/subscription pricing approach rather than purely percentage-based bundled rates. For higher-volume merchants, this structure can make processing costs more predictable and easier to model. It can also simplify internal cost allocation when finance teams need clearer separation between processor fees and platform fees.
Integrations and operational tooling
The product includes operational features such as reporting, customer/payment management, and support for integrations with common business software. These capabilities help finance and operations teams reconcile transactions and manage charge-related workflows without exporting everything to spreadsheets. Compared with more infrastructure-only providers, Stax places more emphasis on merchant-facing tools out of the box.
Not a full payments stack
Stax primarily serves as a merchant payment processor with software features, rather than a full payments orchestration or multi-processor routing layer. Organizations that need advanced routing, cascading, or complex multi-PSP strategies may require additional tooling. This can matter for enterprises optimizing authorization rates across multiple acquirers or geographies.
Fit varies by merchant profile
Pricing and underwriting outcomes can vary based on industry, risk profile, and processing history. Some businesses may find the subscription model less advantageous at lower volumes or with certain card mix and average ticket sizes. International expansion and multi-entity requirements may also require careful validation against supported regions and settlement needs.
Embedded payments depth may be limited
While Stax offers APIs and partner programs, it is not always the best fit for software platforms that need deep embedded payments capabilities such as complex sub-merchant onboarding, marketplace-style payouts, or highly customized payment flows. Those scenarios often require more extensive developer tooling, compliance support, and configurable onboarding. Buyers should confirm the availability of platform/ISV features, payout models, and compliance responsibilities before committing.
Plan & Pricing
| Plan (by annual processing volume) | Price | Key features & notes |
|---|---|---|
| Processing up to $150,000 / year | $99 per month | All subscription features included: API key integration, invoicing, Text2Pay, hosted payment pages, stored card updates, accounting reconciliation, payment links/buttons/QR codes, unlimited Stax Pay users, next-business-day funding, tokenization, recurring billing, fraud protection, analytics/dashboard, onboarding specialist, in-house support. |
| Processing $150,000–$250,000 / year | $139 per month | Same subscription feature set (see above). |
| Processing $250,000+ / year | $199+ per month (starts at $199; increases with volume) | Same subscription feature set; for very large volume Stax requests contact for a custom quote. |
| Enterprise / High-volume/custom | Custom pricing | Contact sales for custom program/pricing and quoted terms. |
Optional add-ons (from official site):
- ACH processing: Starting at $0.60 per transaction.
- Chargeback protection: $25 per chargeback.
Notes: Subscription prices are determined by processing volume and “do not include cents per transaction.” Stax advertises a subscription (membership-style) interchange-plus model with 0% markup on direct-cost interchange; the subscription covers platform features while per-transaction cents/fees apply.
Seller details
Stax Payments, LLC
Orlando, Florida, USA
2014
Private
https://staxpayments.com/
https://x.com/staxpayments
https://www.linkedin.com/company/staxpayments/
