Stax

Overview

Stax sells payment processing on a subscription basis: merchants pay a monthly fee and then interchange plus a small fixed per-transaction fee, without a percentage markup. Stax’s own site blocked automated access during research, so figures come from NerdWallet’s review, last updated 7 August 2026.^[5] NerdWallet also identifies Stax as the owner of Payment Depot.^[6]

The subscription is $99 per month for businesses processing under $150,000 a year, $139 per month between $150,000 and $250,000, and $199 per month or more above that. Per-transaction markups are 8¢ in person and 15¢ for keyed and online payments, plus interchange; ACH costs 1% capped at $10. A $10 monthly PCI compliance fee also applies. NerdWallet’s reviewer considers Stax poor value below roughly $10,000 a month in card sales, notes that dedicated merchant accounts require a longer application, and recommends obtaining fee details in writing.^[5]

Stax features

• Interchange pass-through with no percentage markup
• Dedicated merchant accounts
• ACH capped at $10
• Invoicing and recurring billing
• Online, keyed and in-person acceptance
• Interchange with no percentage markup
• In-person, online and keyed payments

Stax pricing

$99/$139/$199+ per month by annual volume; interchange + 8¢ (in person) or + 15¢ (keyed/online); ACH 1% ($10 cap); $10 monthly PCI fee.

Stax strengths and limitations

Appears in

• Best Merchant Services in 2026 #5
• Best Payment Processors for Small Business in 2026 #9

Stax alternatives and competitors

Alternatives to Stax: companies ranked in the same lists.

• Helcim
• SSquare
• Clover
• Chase Business Complete Banking
• Payment Depot
• Stripe Atlas
• TToast
• ANAuthorize.net
• Adyen
• Global Payments
• Elavon
• Shopify Payments