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..
Features & capabilities
Payment Acceptance
Card, ACH and digital-wallet acceptance across channels via Stax Pay.
- In-person acceptance via smart terminals and mobile card readers (swipe, dip, tap)
- Apple Pay and Google Pay acceptance
- Online payments via hosted Lightbox payment pages
- Payment links, buttons and QR codes (no-code)
- Mobile app for keyed, swiped or tapped payments (Bluetooth/USB-C/Lightning reader)
- ACH bank transfer processing
- Gateway integrations with existing shopping carts for e-commerce
Recurring Billing and Invoicing
Subscription billing, invoicing and revenue management via Stax Bill and Stax Pay invoicing.
- Customizable, branded digital invoices sent via email or text
- Recurring and scheduled invoicing from stored customer profiles
- Automated invoice payment reminders
- Subscription and plan management with account hierarchy for parent-child billing
- Revenue recognition options including a milestone module for ASC 606 compliance
- 50+ dynamic reports for cash flow and revenue-source tracking
- Tax calculation and charging at country and state level
Embedded Payments (Stax Connect)
White-label payment-facilitation stack for SaaS platforms and ISVs.
- End-to-end API and white-label UX with hosted components, SDKs and branded dashboards
- Omnichannel acceptance (in-app, web, in-person)
- Merchant enrollment and underwriting workflows
- Portfolio reporting: MIDs, disputes, volume, approvals
- Direct card-brand network connections
- Optional compliant surcharge management
Reporting, Reconciliation and Risk
Financial visibility and compliance tooling built into Stax Pay.
- Deposit reports for card and ACH payments, one-click reconciliation against transactions
- Downloadable monthly processing statements
- Sales-trend, staffing and customer-lifetime-value analytics
- Account updater and card-network tokenization
- Fraud protection and built-in surcharging-compliance checks
- Level 1 PCI DSS compliance
Developer and API Tools
The Stax API for custom integrations.
- RESTful, language-agnostic payments API
- Stax.js for embeddable, PCI-scope-reducing tokenized card fields
- iOS and Android SDKs for in-app payments
- Webhooks for syncing to Slack, Zapier, Microsoft Office, Google Workspace and CRMs
- Sandbox environment for testing integrations
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
ERP integrations
Real-time data syncing, creation of NetSuite customers and corresponding invoices, and automated inventory management
Real-time sync of customers, invoices, payments and refunds with QuickBooks Online; customizable ledger and tax mapping; sync-event logging for audit readiness
Manage recurring billing tasks and payment processing from within Salesforce
Native quote-to-cash workflow: data syncing, automated subscriptions, in-app payment processing and refunds
Pricing
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.
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.
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