Stax
by Stax Payments, Inc. · Payment Processing
All-in-one payment processing platform with flat subscription pricing and integrated recurring billing.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
NetSuiteQuickBooksSalesforceHubSpot- Deployment
- Cloud
- Company size
- SMB, Mid-market, Enterprise
- Pricing
- Flat monthly subscription (0% markup on interchange) plus per-transaction fees; interchange-plus available as an alternative
- Founded
- 2014
- Headquarters
- Orlando, Florida, United States
Overview
Stax is a US-based payments technology company founded in Orlando, Florida in 2014, originally launched as Fattmerchant and rebranded to Stax in 2020. It was the first subscription-based payment processor for small and medium-sized businesses, replacing the traditional percentage-markup pricing model with a flat monthly membership fee plus direct-cost interchange. Stax reports serving more than 30,000 merchant customers and processing over $23 billion in payments to date. The company has expanded through acquisition, adding Fusebill (rebranded Stax Bill, recurring billing) and Payment Depot in 2021, APPS in 2023, and BlockChyp in 2024.
The Stax product family covers several distinct but integrated products: Stax Pay (core in-person, online and mobile card/ACH processing with an all-in-one merchant dashboard), Stax Connect (a white-label embedded-payments and payment-facilitation stack for SaaS/ISV platforms), Stax Bill (subscription billing, invoicing and revenue recognition, formerly Fusebill), CardX by Stax (compliant credit-card surcharge programs), and Stax Processing (full-stack processing infrastructure for ISOs and partners). All products run on shared underlying payments infrastructure.
For ERP- and accounting-adjacent workflows, Stax Bill is the relevant layer: it syncs customers, invoices, payments and refunds in real time with Oracle NetSuite (including inventory management and revenue recognition) and QuickBooks Online (with customizable ledger and tax mapping), and also integrates with Salesforce and HubSpot for quote-to-cash workflows. Stax Pay itself offers built-in deposit reconciliation and reporting, plus a RESTful API, Stax.js, and iOS/Android SDKs (Stax API) for developers who want to embed payments or connect the platform to other business systems via webhooks.
Screenshots & demo
Demo video from the vendor's YouTube channel. Screenshots sourced from Stax Payments, Inc..
Modules & capabilities
Stax covers 27 of 50 capabilities we track in this category (+3 partial)
54%- Credit & debit card processingSmart terminals and mobile card readers via Stax PayCore strength
- ACH / bank transfer processingACH bank transfer processingSupported
- Digital wallet acceptanceApple Pay and Google PaySupported
- Local & alternative payment methodsNot evidenced
- Virtual terminalMobile app supports keyed entry; no dedicated browser virtual terminal documentedPartial
- Payment links & hosted pagesPayment links, buttons and QR codesCore strength
- In-person POS hardwareSmart terminals and mobile card readersSupported
- IVR / phone payment acceptanceNot evidenced
- Ecommerce storefront pluginsGateway integrations with existing shopping cartsSupported
“Not evidenced” means our research found no public documentation of this capability — the vendor may still offer it. Confirm on a demo.
Common use cases
- Replacing percentage-markup card processing with a flat monthly subscription plus direct-cost interchange to cut effective processing costs at higher volumes
- Running in-person and online payment acceptance from one merchant dashboard instead of separate providers per channel
- Sending branded recurring invoices and subscription billing that syncs automatically to NetSuite or QuickBooks Online via Stax Bill
- Launching embedded, white-label payments inside a vertical SaaS product without building payment-facilitator infrastructure from scratch (Stax Connect)
- Offsetting card-processing costs with a PCI-compliant credit-card surcharge program (CardX by Stax)
- Automating milestone- or ASC-606-based revenue recognition for subscription businesses
- Reducing PCI DSS scope in a custom checkout by embedding Stax.js tokenized card fields instead of handling raw card data
Strengths & considerations
Strengths
- Flat, published subscription pricing (from $99/month) with 0% markup on direct-cost interchange, rather than the percentage-markup model most processors use
- One vendor spans in-person and online processing (Stax Pay), embedded payments for ISVs (Stax Connect), recurring billing (Stax Bill) and compliant surcharging (CardX) on shared infrastructure
- Stax Bill NetSuite and QuickBooks Online integrations handle real-time invoice, customer and payment sync plus revenue recognition, not just payment capture
- Level 1 PCI DSS compliance with Stax.js tokenization to reduce merchant PCI scope
- No long-term contracts or cancellation fees on the core subscription plans
Used Stax with your ERP? Rate it in 30 seconds — it helps every buyer after you.
Rate itERP integrations
Real-time data sync; creates NetSuite customers and corresponding invoices, with automated inventory management. No listing found on SuiteApp.com.
Real-time sync of customers, invoices, payments and refunds with customizable ledger and tax mapping, and sync-event logging for audit readiness. No listing found on the QuickBooks App Store; separate third-party Zapier integrations for Stax Pay also exist.
Connector details independently verified against vendor marketplaces and documentation; last checked 2026-08-20.
Pricing
Full Stax pricing breakdown — cost at 25/100/500 seats, competitor rates & FAQs
Published tiers by annual processing volume: up to $150,000/yr equals $99/month; $150,000-$250,000/yr equals $139/month; $250,000+/yr equals $199+/month (custom quote above that). Per-transaction fees on top: $0.08 card-present, $0.15 card-not-present, ACH 1% (capped at $10/transaction). No cancellation fees. Optional add-ons include chargeback protection ($25/chargeback) and a terminal protection plan ($19/month). Get an independent shortlist with pricing guidance below.
What does Stax cost?
Stax prices by quote, like most of this category. Here is what actually drives your number — and what to ask before you get one.
6 of the 15 vendors we track in this category publish no list price at all.
Technical & security
- Hosting
- SaaS (multi-tenant)
- Compliance
- PCI DSS Level 1
- Mobile app
- Yes
- Languages
- English
About the vendor
- Founded
- 2014
- Headquarters
- Orlando, Florida, United States
- Employees
- 300+
- Notable customers
- PatientNow, ClientTether
Alternatives to Stax in Payment Processing
Stax — frequently asked questions
What is the Stax pricing model?
Stax charges a flat monthly subscription (from $99/month, scaling with annual processing volume) with 0% markup on direct-cost interchange, plus flat per-transaction fees ($0.08 card-present, $0.15 card-not-present, 1% capped at $10 for ACH). An interchange-plus pricing option is also available, and there are no long-term contracts or cancellation fees.
Does Stax integrate with QuickBooks or NetSuite?
Yes, through Stax Bill, its recurring-billing product. Stax Bill syncs customers, invoices, payments and refunds in real time with QuickBooks Online (with customizable ledger and tax mapping) and with NetSuite (including invoice creation, customer creation and inventory management).
What is Stax Connect?
Stax Connect is the Stax embedded-payments product for SaaS platforms and ISVs. It provides a white-label API and UX, merchant enrollment and underwriting, portfolio reporting, and direct card-network connections so a software platform can offer payment processing under its own brand without building payment-facilitator infrastructure itself.
Is Stax PCI compliant?
Stax states it maintains Level 1 PCI DSS compliance and offers Stax.js, a tokenization tool that lets merchants embed card fields without handling raw card data directly, reducing their own PCI scope.
What size and type of business does Stax target?
Stax serves small businesses through its core Stax Pay subscription plans, large and high-volume merchants through enterprise pricing and deeper integrations, and SaaS platforms and ISVs through Stax Connect embedded-payments infrastructure, across industries including retail, field services, professional services and healthcare.
Compare Stax head-to-head
The Payment Processing Buyer's Guide
Before you commit to Stax, see how it sits against the 15 payment processing systems we track — on capability, ERP integration depth and what each one actually charges for.
Payment Processing Buyer's Guide
15 systems compared · 2026
ERP Research
- Stax compared side-by-side with 14 alternatives
- ERP integration checklist — what to verify before you shortlist
- The pricing questions that change the quote
- A Stax evaluation brief, included with the guide
Payment Processing Buyer's Guide
Get a quote for Stax
Stax publishes a list price, but the number you pay depends on volume, modules and integration scope. Tell us your setup and we'll come back with a realistic figure and the alternatives worth quoting against it.