Revmrr

StaxC54

Merchant Account (ISO) · Businesses processing $10,000+/month — especially ecommerce, professional services (medical, dental, legal)…

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Overview

Stax's subscription-plus-interchange model is the real thing: at sufficient volume, paying $99-$199 a month with 0% interchange markup and cents-per-transaction fees genuinely undercuts flat-rate processors, and the month-to-month terms mean you're not trapped if it doesn't. The trade-offs are a volume floor below which the math flips against you, and a pattern of billing-change complaints that makes statement-watching part of the deal.

Best for: Businesses processing $10,000+/month — especially ecommerce, professional services (medical, dental, legal), field services, and SaaS companies that want embedded payments — where the fixed subscription spreads thin and the interchange savings compound.

Strengths

  • + 0% markup on interchange — you pay direct cost plus a fixed subscription, not a percentage margin
  • + Month-to-month service with no long-term contract and no early termination fee
  • + All-in-one platform: invoicing, recurring billing, ACH, virtual terminal, and mobile payments included in every tier
  • + Full API with webhooks and SDKs, plus integrations with QuickBooks, Salesforce, Shopify, WooCommerce, BigCommerce, and 7,000+ apps via Zapier
  • + Next business day funding as standard

Trade-offs

  • – Fixed monthly fees of $99+ make it uneconomical for low-volume merchants, especially under $5,000/month
  • – Billing disputes and unexpected rate or fee changes are cited across multiple review platforms
  • – Cancellation takes 30 days' notice plus signed closure paperwork, and some merchants report held funds during risk reviews with poor communication
  • – Not available to high-risk industries, and Stax publishes neither support hours nor a PCI or chargeback fee — pin both down in your agreement

Fees in detail

  • Online rate: $$0.15 per transaction (flat, no % markup)
  • International: Not publicly specified
  • Disputes: Not on Stax's published rate card; chargeback protection is offered as an add-on at an unpublished price

Standard published rate for a domestic online card payment. Confirm current pricing on Stax's pricing page.

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