Subscription-style pricing that passes interchange straight through.
Stax uses a subscription model — a flat monthly fee plus interchange at cost with no percentage markup — which can be very cost-effective for higher-volume merchants.
Pricing at a glance
From $99/mo + interchange + small per-transaction fee. No percentage markup.
| Online card rate | Interchange + $0.15 |
|---|---|
| In-person card rate | Interchange + $0.08 |
| ACH / bank rate | 1% (cap $10) |
| Monthly fee | $99 |
| Monthly minimum | None |
| Chargeback fee | $25 |
| Refund policy | Interchange not returned |
4 reviews
Head of Finance · Lumen SaaS · 51-200 · SaaS
Stax handles our recurring billing reliably and the reporting is solid. Fees add up at our volume, so we negotiated custom pricing once we grew.
Pros
Recurring billing, reporting, uptime
Cons
Standard pricing is steep at scale
Use case: Subscription billing for a SaaS product
Owner · Bell & Co Cafe · 1-10 · Restaurants
Setup took an afternoon and Stax just works at the counter during the morning rush. Payouts are quick which really helps cash flow.
Pros
Fast setup, quick payouts, reliable hardware
Cons
Would like more advanced reporting
Use case: In-person card payments at a cafe
E-commerce Manager · Atlas Apparel · 51-200 · Retail
We sell internationally and Stax handles multiple currencies and methods without surprises. Reconciliation is much easier than our old provider.
Pros
Multi-currency, stable, good docs
Cons
FX and international fees could be clearer
Use case: Cross-border online apparel sales
CTO · Tradeline · 11-50 · Marketplaces
Building split payments for our marketplace would have taken months elsewhere. With Stax the API and docs got us live in weeks. Webhooks are reliable.
Pros
Great API, split payments, webhooks
Cons
Some advanced features need a sales call
Use case: Split payments and payouts for a marketplace
Share your experience with Stax. Reviews are moderated before they appear.
The widely recognised wallet and checkout button merchants trust.
2.99% + $0.49
online rate
$0
monthly fee
Instant
payout
All-in-one point of sale and payments for in-person businesses.
2.9% + $0.30
online rate
$0
monthly fee
Next day
payout
A long-established payment gateway for online and MOTO payments.
2.9% + $0.30
online rate
$25
monthly fee
Varies
payout
Transparent interchange-plus pricing with automatic volume discounts.
Interchange + 0.50% + $0.25
online rate
$0
monthly fee
Next day
payout
