Updated February 13, 2023

Stax by Fattmerchant Review

Read more about Stax by fattmerchant
Ad Disclosure: This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. You help support CreditDonkey by using our links. (read more)

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 Stax?

Stax by Fattmerchant has an interesting subscription-based pricing model. You only pay direct interchange costs on your transaction. Stax 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.

Stax 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 QuickBooks integration, equipment, and same-day funding.

  • 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.

Stax Products & Services

Here's a list of the features Stax 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 Stax terminals make it easy to process card present transactions. You can accept swipe, chip, and contactless payments with the Stax terminals.

The Stax 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 Stax API makes it easy to integrate their processing with your software needs.

Stax 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.

Stax Packages & Fees

Stax by Fattmerchant offers three subscription tiers:

  • Growth: $99 per month
    Includes digital invoicing, recurring invoices and scheduled payments, virtual terminal, ACH payments, free surcharging capabilities, backup processing, and basic analytics.

  • Pro: $159 per month
    Includes everything in Growth plus: 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: 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 Stax 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 one-click shopping cart setup, you can add that feature. Payment gateway also has an additional fee.

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

Stax offers a few add-ons, including:
  • Same day funding
  • Synchronization with QuickBooks
  • Advanced customization
  • Terminal protection plan
  • One-click shopping cart
  • Digital gift cards
  • Level 2 Processing
  • Equipment


Stax does not require a contract. It's month-to-month billing. You can cancel your service without worrying about an early termination fee. However, you must submit a 30-day written notice before the cancellation date.

Stax Equipment

Stax offers a small selection of payment processing equipment, including:

  • Dejavoo terminals
  • First Data terminals
  • Ingenico Desk terminals
  • Clover POS system
  • Stax Pay Mobile card reader (BBPOS Chipper 2X BT)

Stax offers various equipment models like standard terminals, smart terminals, mobile-only card readers, and POS solutions. You can accept dip (chip cards), swipe (traditional magnetic card), and tap (contactless) credit card payments as well as Apple Pay and Google Pay.

How Stax by Fattmerchant Compares

Payment Depot
Like Stax, Payment Depot offers membership-based pricing. Both of them don't charge a percentage markup on interchange.

Payment Depot operates on a month-to-month basis. Pricing plans start at $59 per month. You'll pay a monthly subscription fee based on your annual sales volume, plus the interchange rates for each transaction without percentage markup.

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

Start Accepting Payments Fast

  • Interchange Plus Pricing
  • No Monthly Fees
  • No Contracts

Eliminate Credit Card Processing Fees With Surcharging

Accept Credit Cards at 0% Cost and Increase Your Margins Instantly

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.

Cheapest Credit Card Processing

Cheapest Credit Card Processing

Best Credit Card Reader for Small Business

Credit Card Reader

How to Negotiate Lower Credit Card Processing Fees

How to Negotiate Credit Card Processing Fees

Credit Card Processing Fees

Credit Card Processing Fees

How to Build Business Credit

How to Build Business Credit

How to Get a Business Credit Card

How to Apply for a Business Credit Card


Chase Payment Solutions Review

Chase Payment Solutions Review

Chase Payment Solutions offers flexible payment options and quick payouts. But is it ideal for your business? Read this in-depth review of their services.

About CreditDonkey
CreditDonkey is a credit card processing comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2023 CreditDonkey Inc. All Rights Reserved.