Updated November 15, 2021

Stax by Fattmerchant Review

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Stax by Fattmerchant could save you up to 40% on credit card processing fees. But is it good for your small to medium-size business? Read this review to find out.

Stax by fattmerchant

Overall Score




Customer Service






High Volume Business


Low Volume Business

5-point scale (the higher, the better)

Pros and Cons

  • Flat monthly subscription fee, starting at $99
  • 0% markup on Interchange
  • No long-term contract
  • Extra add-on fees
  • Not for low-volume businesses

Bottom Line

Simple subscription-based processor for higher volume businesses

What is Fattmerchant?

Stax by Fattmerchant has an interesting subscription-based pricing model. You only pay direct interchange costs on your transaction. Fattmerchant does not add a mark-up, and in exchange, you pay a monthly membership fee.

No markup is pretty unique in the world of merchant account providers. You can save a lot on processing fees. This structure is ideal for larger businesses processing at least $20,000 per month.

Fattmerchant offers a variety of credit card processing equipment and solutions for businesses of all types - whether you operate solely online, take phone orders, or take in-person sales.

Keep reading to learn more.

Pros & Cons


  • Subscription-based Pricing; no mark-up
    You pay a flat monthly fee starting at $99 per month. There is no per-transaction markup. The only fees you will pay is your subscription fee and the direct interchange costs per transaction.

  • No Contract
    With month-to-month billing, you don't have to worry about being locked into a long term contract.

  • Lots of Way to Accept Payments
    Fatttmerchant offers processing for mobile, contactless, online, invoicing, recurring billing, over the phone, ACH, and more. No matter how your business operates, there's a solution for you.

  • Custom Statements and Invoices
    You can align your paperwork with your business' brand and logo.

  • Integrated Payment Platform
    You can produce custom reports, manage inventory, and monitor sales data and customer retention across your business from every terminal in one centralized place.


  • Extra Add-on Fees
    There are extra fees for add-on features like payment gateway and recurring billing.

  • Expensive for Smaller Business
    Subscription pricing is not ideal for smaller businesses with unsteady sales. If you process less than $20,000 per month, you may find better value elsewhere.

Fattmerchant Products & Services

Here's a list of the features Fattmerchant offers:

Mobile Processing
Accept payments from your phone or tablet from anywhere. You can accept swipe, chip, and contactless payments with the mobile reader. You can even scan an image of customer credit cards with your phone's camera.

Virtual Terminal
If you take phone orders often, the virtual terminal can be a good option. You can:

  • Accept payments over the phone and key in the payment information.

  • Sync the sales with your physical terminal or mobile device to complete the sale for greater security.

The virtual terminal also includes access to invoicing, inventory, and your customer database.

Physical Terminals
If you accept payments in person, the Fattmerchant terminals make it easy to process card present transactions. You can accept swipe, chip, and contactless payments with the Fattmerchant terminals.

The Fattmerchant physical terminals integrate with the virtual terminal or mobile processing for a unified solution.

Invoicing and Recurring Billing
Create custom invoices and statements and set up recurring invoices for future billings. For subscription based businesses, you can create payment schedules, adjust payment amounts, and pause subscription billing.

Ecommerce Shopping Cart
Create your custom shopping cart to integrate your brand and logo. Customers remain on your website for the entire transaction, increasing the likelihood of a completed transaction.

ACH processing
Collect funds electronically directly from the customer's bank account.

You can add transparent surcharge fees and offset your processing costs by passing them onto your customers.

Developer API
If you have complex software needs, the Fattmerchant Developer API makes it easy to integrate their processing with your software needs.

Fattmerchant doesn't provide a developer for the process. You must do this yourself (or hire a developer).

Backup Processing
Even if your Wi-Fi signal is weak or the power or internet goes down, keep on processing on the Stax mobile app.

Fattmerchant Packages & Fees

Stax by Fattmerchant offers three subscription tiers:

  • Growth: $99 per month
    Includes free terminal or mobile reader, virtual terminal, ACH payments, free surcharging capabilities, backup processing, and basic analytics.

  • Pro: $159 per month
    Includes everything in Growth plus: digital invoicing, Text2Pay, website-hosted payment links, credit cards on file, accounting reconciliation, API capabilities, and enhanced analytics.

  • Ultimate: $199 per month
    Includes everything in Pro plus: recurring billing, auto updates for stored credit cards, one-click shopping cart with catalog management, data exports, advanced analytics, and dedicated account manager.

If you process more than $500,000 annually, you can talk to Fattmerchant about custom pricing.

There are extra fees for certain add-on features. For example, if you're on the Growth plan but you'd like recurring billing, you can add that feature. Payment gateway also has an additional fee.

When you talk to a Fattmerchant rep, all the add-ons will be clearly communicated so you know what your final monthly subscription price is.

Fattmerchant offers a few add-ons, including:
  • Same day funding
  • Synchronization with QuickBooks
  • Advanced customization
  • Terminal protection plan
  • ACH transactions


Fattmerchant does not require a contract. It's month to month billing. You can cancel your service at any time without worrying about an early termination fee.

Fattmerchant Equipment

Fattmerchant offers a small selection of equipment for credit card processing, including:

Dejavoo Terminals
These countertop terminals can process card present transactions that originate in person as well as that start on the virtual terminal, but the customer pays in person.

Chipper BP
You can accept swipe and chip card transactions right on your iOS or Android.

Chipper 2X BT
You can accept swipe, chip, and ApplePay right on your mobile phone.

How Stax by Fattmerchant Compares

Payment Depot
Like Fattmerchant, Payment Depot offers membership-based pricing. Fattmerchant doesn't charge a markup, but Payment Depot has small markup per transaction.

Payment Depot's pricing starts at $79 per month plus $0.15 per transaction. Larger volume businesses get a discount on the markup. All plans get a free payment gateway and virtual terminal.

Payment Depot operates on a month-to-month basis. But they offer the option to pay for the service annually, which has a discount and can save you a little money.

Stripe offers flat-rate pay-as-you-go pricing, rather than a monthly subscription fee. This works out better for smaller businesses. However, large businesses can get custom pricing.

Stripe is mostly known for being an online processing provider (for eCommerce, B2B, mobile apps, etc.). They offer excellent developer API tools that lets you completely customize your online checkout experience.

PayPal is one of the most popular options for small businesses. It has different flat-rates based on the processing method. There is no monthly fee.

The biggest advantage of choosing PayPal is that you can accept PayPal and Venmo payments on your website and in-person. You even get a reduced processing rate for PayPal and Venmo QR code transactions. It offers the most payment options to customers.

The platform excels in online credit card transactions, but you do run the risk of cart abandonment, as your customer must leave your website to complete the payment.

Bottom Line

Stax by Fattmerchant is best suited for the mid- to larger-size business that processes more than $20,000 per month. By having no per-transaction markup, you can save a lot on processing fees. And the flat-rate monthly subscription pricing keeps things simple.

Stax by fattmerchant

Save Up to 40%

  • Flat Monthly Subscription Price, Starting at $99
  • 0% Markup on Direct-Cost Interchange
  • 24/7 Support
Square Reader: Free Mobile Credit Card Reader

Square Reader: Free Mobile Credit Card Reader

  • Pay 2.6% + 10¢ Per Swipe for Visa, Mastercard, Discover, and American Express
  • Accept Credit Cards Anywhere
  • Fast Setup, No Commitments
Payment Depot

Save 40% or More

  • Wholesale Rates
  • Membership Fee Model
  • No Cancellation Fees

Free 1st Month of Processing

  • Interchange Plus Pricing
  • Next Day Funding
  • No Long Term Agreements

Start Accepting Payments Fast

  • Interchange Plus Pricing
  • No Monthly Fees
  • No Contracts

Write to Kim P at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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