Payment processor
Stax is an Orlando-based payment processor with subscription pricing: merchants pay a monthly fee tied to annual volume, then interchange with no percentage markup plus a flat per-transaction fee.
Strengths
Watch out for
Best for
Merchants with steady card volume who prefer a flat monthly fee and interchange with no percentage markup.
| Type | Payment processor |
|---|---|
| Pricing model | subscription + interchange (0% markup) + per-transaction fee |
| Card rate | Interchange + $0.15 per transaction (card not present), plus monthly subscription |
| International | Not published |
| Monthly fee | $99/month (up to $150K yearly volume), $139/month ($150K-$250K), $199+/month ($250K+) |
| Setup fee | Not published |
| Chargeback fee | Not published |
| High-risk businesses | Not published |
|---|---|
| Dropshipping | Not published |
| Reserves | Stax may place temporary risk holds on deposits when a transaction exceeds the approved high-ticket or average-ticket amount, and some new accounts need first-batch transactions verified. No reserve percentage is published. |
| Payout speed | Next business day for cards (per pricing page); ACH about 5 business days |
|---|---|
| Merchant countries | Not published |
| Currencies | Not published |
| Shopify | Not published |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Yes |
| Multiple MIDs | Not published |
| Token portability | Not published |
Card-present transactions are $0.08 each and ACH is 1% capped at $10. Under its surcharging program, merchants pay 1.25% + $0.25 on debit card payments. Stax reviews volume every six months and moves accounts that exceed their approved range to a higher subscription tier.
No restricted-business list was found on the Stax pages checked.
The default daily batch time is 8:00 p.m. ET, and card deposits typically post between 2 and 5 p.m. ET on the funding day.
Stax documents WooCommerce through the WooCommerce NMI gateway plugin. Its e-commerce page mentions shopping cart integrations without naming platforms, and Shopify is not documented in the pages checked.
Stax sources · checked 2026-10-21