Stax Payments
About
Stax Payments is an end-to-end payments technology company founded in 2014 in Orlando, Florida, that partners with SaaS companies, ISOs, and small-to-medium businesses to provide integrated payment processing, embedded payments, recurring billing, and surcharging solutions. The company was the first subscription-based payment processor for SMBs and serves more than 30,000 businesses, having processed over $23 billion in payments. Stax operates as a full-stack payment processor and offers multipl...
Details
VenSearch Intelligence
Ideal Customer
- Stax's primary sweet spot is SMBs and mid-market businesses processing more than $5,000–$10,000 per month in card payments, for whom the subscription-based 0% interchange markup model delivers the greatest savings (up to 40% versus traditional processors).
- Ideal direct merchant customers have 10–500 employees and operate in high-volume verticals such as healthcare practices, legal services, field services, retail, and restaurants.
Key Differentiators
- Stax's primary differentiator is its subscription-based, 0% interchange markup pricing model — the first of its kind for SMBs when launched in 2014 — which replaces traditional percentage-based markups with a flat monthly fee ($99–$199+/month), delivering savings of up to 40% for merchants processing $5,000+/month.
- In October 2025, Stax completed its evolution into a fully proprietary, full-stack end-to-end payments processor (Stax Processing), built entirely in-house and providing direct connections to all major U.S. card networks without reliance on third-party legacy infrastructure.
Industries Served
- Stax serves a broad range of industries including healthcare (dental, orthodontics, psychologists, clinics), legal services, accounting, field services, retail, e-commerce, professional services, fitness, restaurants, real estate, non-profit, education, and SaaS/software platforms.
- Its Stax Connect embedded payments product is specifically built for vertical SaaS teams in field services, professional services, healthcare, education, and non-profit organizations.
Service Coverage
- Stax Payments operates primarily across the United States and Canada, serving more than 39,000 businesses and software platforms across both countries.
- The company is headquartered in Orlando, Florida, and processes over $23 billion in payments annually.
Partnerships
- Stax connects with more than 200 prebuilt business application integrations and over 7,000 additional apps via Zapier, including key integrations with QuickBooks Online, Salesforce, HubSpot, Xero, Shopify, WooCommerce, BigCommerce, NetSuite (via Stax Bill for real-time invoice and revenue recognition sync), Keap, and most major third-party POS systems (Revel Systems, ShopKeep, Vend).
- Its Stax Connect partner program supports ISVs and SaaS platforms through referral, reseller, and PayFac-as-a-Service partnership models with co-branded marketing, channel sales support, and revenue-sharing arrangements.
Company Size & Ownership
- Stax Payments was founded in 2014 (originally as Fattmerchant) and has approximately 294 employees as of the most recent estimates, with the company having grown from 235 employees in 2023.
- Annual revenue is estimated in the range of $250M–$500M by multiple analyst sources.
Compliance & Certifications
- Stax is a Level 1 PCI DSS Service Provider for its merchant-facing payment processing operations (Stax Pay/Stax Payments, Inc.), the highest level of PCI certification available.
- The company also holds SOC 2 Type II certification, obtained through independent third-party AICPA auditors, and conducts rolling annual SOC 2 Type II audits to maintain continuous security assurance; external certified penetration testing is performed at least twice per year.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
14 offeringsCardX by Stax
CardX by Stax is a compliant credit card surcharging program that allows businesses to pass on credit card processing fees to customers legally and compliantly. It is designed to increase merchant margins while remaining customer-friendly and fully compliant with surcharging regulations. CardX was acquired by Stax in 2021.
E-commerce Payments
Stax offers e-commerce payment capabilities enabling businesses to accept online payments through their platforms. This capability is listed as part of Stax's suite for retail and other industries that need online payment acceptance integrated with in-store and omnichannel operations.
Embedded Payments
Stax offers embedded payments as a platform capability allowing SaaS companies and software platforms to build payment acceptance directly into their software products. This enables software companies to monetize payments and create new revenue streams without redirecting users to external payment flows.
Equipment Lending
Stax offers equipment lending as a capability for businesses needing payment hardware. This is listed as a distinct offering in the site's capabilities section, enabling merchants to access payment equipment through a lending arrangement.
In-person Payments
Stax supports in-person, card-present payment acceptance for retail and other businesses through its platform. This capability includes support for in-store and omnichannel payment scenarios and integrates with the broader Stax payment infrastructure.
Invoicing
Stax provides invoicing capabilities as a distinct feature within its payment platform, designed for professional services, field services, and other businesses that need to send and manage invoices as part of their payment workflows. It supports ACH and other payment methods alongside invoice management.
Mobile Payments
Stax provides mobile payment capabilities targeted at field service businesses and teams on the road. This includes support for mobile card acceptance, invoicing, and recurring billing for teams operating outside of a fixed location.
Stax API
The Stax API is a developer-facing integration layer that provides reference documentation, guides, and SDKs for building payment functionality into custom applications and software platforms. It enables software developers to integrate Stax's payment processing capabilities directly into their products.
Stax Bill
Stax Bill is an automated subscription billing and revenue management platform that helps businesses automate recurring billing, reduce late and failed payments, and add revenue to their bottom line. It was acquired by Stax in 2021 (formerly known as Fuse Bill) and includes a personal touch alongside automation. It is designed for businesses that need subscription and recurring billing management.
Stax Connect
Stax Connect is an embedded payments solution built for SaaS platforms and independent software vendors (ISVs) that allows software companies to build payments directly into their products and unlock new revenue streams. It offers flexible and scalable technology, multiple partnership models, and payments adoption expertise. It was launched in 2020 as Stax's integrated payments solution for ISVs.
Stax Pay
Stax Pay is an all-in-one payment processing platform for small and large businesses that supports card-present and online payments. It features transparent pricing, a powerful unified platform, and access to real support staff. It is designed to serve businesses of every size with straightforward payment acceptance.
Stax Processing
Stax Processing is a full-stack, end-to-end payment processing solution built for partners and ISOs (Independent Sales Organizations). It was launched in 2025 and provides complete processing infrastructure for organizations that want to offer payment services under their own brand or through a partnership model.
Surcharging
Stax offers a surcharging capability that allows businesses to pass on credit card processing fees to customers through a fully compliant program. This is listed as a distinct capability enabling merchants to offset processing costs while staying within legal and card network compliance requirements.
White Label Payment Processing for SaaS
Stax offers white label payment processing specifically designed for SaaS platforms, allowing software companies to offer payment processing under their own brand. This is listed as a distinct capability in the site's navigation and footer capabilities section.
Considering Stax Payments?
Our team will work with you to determine if Stax Payments is the right fit for your organization. From research and assessment through procurement negotiation and ongoing vendor management — we handle the entire process at no cost to you.