Stax review

Stax flips the usual pricing model: instead of a percentage markup on each sale, you pay a monthly subscription and get direct-cost interchange with a 0% markup, plus cents per transaction. The subscription is $99 per month for up to $150,000 a year in processing, $139 per month from $150,000 to $250,000, and $199+ per month above that. Included tools cover API keys, customized invoicing, Text2Pay mobile payments, hosted payment pages, payment links, buttons and QR codes, stored card updates, accounting reconciliation and built-in surcharging compliance. ACH is an add-on at 1% per transaction, capped at $10. The model rewards volume: a seller processing well over $100,000 a year can save compared with flat rates, while a new store with a few thousand dollars in monthly sales will pay more in subscription than it saves. Stax does not publish its per-transaction cents on the pricing page, so request a quote before switching.

Who it is for

established sellers processing over $100,000 a year

Price

From $99 per month for up to $150,000 a year in processing, plus interchange and per-transaction cents.

Processing up to $150,000 per year: $99/month
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 0% markup on direct-cost interchange
• $99 per month up to $150,000 a year, $139 up to $250,000, $199+ above
• Hosted payment pages, payment links, buttons and QR codes
• Customized invoicing and Text2Pay mobile payments
• ACH processing add-on at 1% per transaction, capped at $10

Strengths and weaknesses

• Strength: No percentage markup on interchange
• Strength: Subscription includes API access, invoicing and payment links
• Strength: Built-in surcharging compliance
• Weakness: $99 monthly fee is steep for low-volume sellers
• Weakness: Subscription prices exclude cents per transaction
• Weakness: Higher volume moves you to $139 or $199+ per month

Key facts

• Monthly fee: From $99
• Interchange markup: 0%
• Volume tiers: $150,000 and $250,000 per year
• ACH add-on: 1%, capped at $10

Where it ranks

Stax is No. 9 in our Best Payment Gateways for Small Business verdict.