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Stax Connect

staxpayments.com

WebiOSAndroidAPI
Visit staxpayments.com
Spec score 7.8 #9 of 28 in Embedded Payments Platforms

What it is

Stax Connect provides embedded payments for vertical SaaS teams in field services, professional services, healthcare, education, and nonprofit. It offers hosted components, SDKs, branded dashboards, and merchant enrollment paths ranging from hosted to custom. Platforms can accept payments online and in person, support recurring commerce, and offer cards, Apple Pay, Google Pay, ACH, PayPal, and Venmo. Developer tools include a REST API, JavaScript and Python SDKs, mobile SDKs for iOS and Android, and webhooks for payment and dispute events. Payment operations cover enrollment, transactions, disputes, and deposits, with split funding and same-day or next-day deposits. Platforms can use compliant surcharging, custom fees, and other flexible pricing options to monetize payments. Stax lists PCI compliance at scale, in-house AML/KYC checks, daily monitoring, online status, and controls for suspicious activity. Support includes pre-launch implementation help, sales and marketing support before and after launch, and optional post-launch Tier 1 support. Level 2 processing is available on eligible transactions; some in-person capabilities require a card-present integration. Stax Connect is available on Android, iOS, web, and through an API. Pricing is on request.

Spec sheet

What it does
Stax Connect lets software companies embed payment processing, merchant onboarding and management through one API.Read 15 Oct 2026 · docs.staxpayments.com
Product
Stax Connect provides embedded payments for vertical SaaS teams, including field services, professional services, healthcare, education, and nonprofit.Read 2 Oct 2026 · staxpayments.com
Support
Stax offers pre-launch implementation help, sales and marketing support before and after launch, and optional post-launch Tier 1 support.Read 2 Oct 2026 · staxpayments.com
Headquarters
Orlando, Florida, United StatesRead 28 Sep 2026 · staxpayments.com
Founded
2014Read 28 Sep 2026 · staxpayments.com
Company
Stax says it was founded in Orlando, Florida, in 2014.Read 2 Oct 2026 · staxpayments.com
API endpoints
Stax publishes separate API endpoints and developer documentation for its US, EU and Australia installations.Read 15 Oct 2026 · support.stax.io
Company development
Stax says Stax Connect launched in 2020 and that it has more than 30,000 merchant customers and over 150 integrated software partners.Read 15 Oct 2026 · staxpayments.com
Company founding and headquarters
Stax Payments identifies itself as founded in 2014 and headquartered in Orlando, Florida.Read 15 Oct 2026 · linkedin.com
Company legal name
Crunchbase lists the legal name as Stax Payments, Inc., formerly known as Fattmerchant.Read 15 Oct 2026 · crunchbase.com
Company size
LinkedIn lists Stax Payments in the 201–500 employee size range.Read 15 Oct 2026 · linkedin.com
Custom API effort
Custom API enrollment may take about 2.5 weeks for one fully dedicated developer and requires document upload, electronic signatures and edit or re-sign flows.Read 15 Oct 2026 · docs.staxpayments.com
Developer tools
Developers can use a REST API, JavaScript and Python SDKs, mobile SDKs for iOS and Android, and webhooks for payment and dispute events.Read 2 Oct 2026 · staxpayments.com
Encryption and tokenization
Stax says card data is encrypted on processing devices, not retained after transactions and protected with tokenization.Read 15 Oct 2026 · docs.staxpayments.com
Enrollment options
Partners can choose white-label landing pages, white-glove enrollment, hybrid API enrollment or custom API enrollment.Read 15 Oct 2026 · docs.staxpayments.com
Fraud controls
Stax says it monitors accounts for unauthorized charges and performs KYC and CIP checks through financial partners.Read 15 Oct 2026 · docs.staxpayments.com
Funding and eligibility
Level 2 processing is available on eligible transactions, and some listed in-person payment capabilities require a card-present integration.Read 2 Oct 2026 · staxpayments.com
Hybrid API effort
Stax estimates about four days for a dedicated developer to implement hybrid enrollment.Read 15 Oct 2026 · docs.staxpayments.com
Implementation timeline
Stax states its average implementation timeline is 45 days.Read 15 Oct 2026 · docs.staxpayments.com
Landing-page limitation
White-label landing pages have limited customization, cannot use a partner domain or favicon and support only one pricing option per page.Read 15 Oct 2026 · docs.staxpayments.com
Licence
The reviewed materials describe a hosted commercial service and do not state an open-source licence.Read 15 Oct 2026 · staxpayments.com
Limit: administration
A reviewer says administrators cannot configure portal access for different locations without contacting Stax.Read 15 Oct 2026 · getapp.com
Limit: billing and cancellation
BBB reviewers allege continuing withdrawals after cancellation, unexpected fee increases and recurring performance or chargeback fees.Read 15 Oct 2026 · bbb.org
Limit: deposits
A Trustpilot reviewer reported a missed deposit, more than $8,000 in losses and difficulty obtaining help.Read 15 Oct 2026 · trustpilot.com
Limit: fee complaints
NerdWallet reports user complaints about surprise price increases and statements containing several pages of miscellaneous fees.Read 15 Oct 2026 · nerdwallet.com
Limit: sales transparency
A reviewer says an initial comparison quote omitted the monthly charge until a revised quote was requested.Read 15 Oct 2026 · getapp.com
Limit: small-business economics
NerdWallet says the $99-or-more monthly fee is generally uneconomic for businesses processing under $10,000 per month.Read 15 Oct 2026 · nerdwallet.com
Limit: support availability
NerdWallet notes that Stax does not provide 24/7 support.Read 15 Oct 2026 · nerdwallet.com
Merchant management
The partner interface exposes merchant transaction activity, residual earnings and account details.Read 15 Oct 2026 · docs.staxpayments.com
Merchant onboarding
Enrollment tools classify merchants by statuses such as Application, In Review and Configuration.Read 15 Oct 2026 · docs.staxpayments.com
Monetization
Platforms can use compliant surcharging, custom fees, and other flexible pricing options to monetize payments.Read 2 Oct 2026 · staxpayments.com
Omnichannel payments
Partners can accept cards and digital wallets in apps, on the web and in person.Read 15 Oct 2026 · staxpayments.com
Payment acceptance
It supports online and in-person payments, recurring commerce, and payment methods including cards, Apple Pay, Google Pay, ACH, PayPal, and Venmo.Read 2 Oct 2026 · staxpayments.com
Payment operations
The platform provides reporting for enrollment, transactions, disputes, and deposits, plus split funding and same-day or next-day deposits.Read 2 Oct 2026 · staxpayments.com
Portfolio reporting
Command Center reporting covers payment attachment, approvals, active merchant IDs, disputes and volume.Read 15 Oct 2026 · staxpayments.com
Praise: pricing and usability
GetApp reviewers repeatedly praise subscription pricing for lowering transaction costs and describe the combined invoicing, recurring-billing and virtual-terminal dashboard as easy to use.Read 15 Oct 2026 · getapp.com
Praise: support
Trustpilot reviews frequently praise named support representatives as knowledgeable, friendly and quick to resolve portal, terminal and gateway issues.Read 15 Oct 2026 · trustpilot.com
Rating on GetApp
4.2 out of 5 from 146 reviewsRead 15 Oct 2026 · getapp.com
Rating on Software Advice
4.2 out of 5 from 146 reviewsRead 15 Oct 2026 · softwareadvice.com
Rating on Trustpilot
4.4 out of 5 from 1,245 reviewsRead 15 Oct 2026 · trustpilot.com
SDKs and tooling
The developer support site lists a Python SDK, AWS Access CLI and Terraform provider alongside API authentication guides.Read 15 Oct 2026 · support.stax.io
Security and compliance
Stax lists PCI compliance at scale and in-house AML/KYC checks, daily monitoring, online status, and controls for suspicious activity.Read 2 Oct 2026 · staxpayments.com
Security level
Stax describes itself as a Level 1 PCI service provider.Read 15 Oct 2026 · docs.staxpayments.com
Settlement and disputes
Stax says bank sponsorship, dispute handling and movement of funds are managed within its service.Read 15 Oct 2026 · staxpayments.com
Surcharging
Compliant credit-card surcharging is available as an optional eligible capability.Read 15 Oct 2026 · staxpayments.com
Transaction insights
Partners can view payment status and customer details at transaction level.Read 15 Oct 2026 · docs.staxpayments.com
Transport security
The security documentation says Stax uses PCI/FIP-approved protocols including TLS 1.3.Read 15 Oct 2026 · docs.staxpayments.com
Underwriting
Stax Connect includes custom enrollment flows, underwriting review and risk management services.Read 15 Oct 2026 · staxpayments.com
Webhooks
Webhooks can connect enrollment activity to CRM systems and automate partner workflows.Read 15 Oct 2026 · docs.staxpayments.com
White-label experience
The product provides hosted components, SDKs and branded dashboards that partners control.Read 15 Oct 2026 · staxpayments.com

Plans and prices

Stax Connect Priced on request Contact sales for embedded-payments pricing Pricing is not publicly listed · Custom partner pricing Read 15 Oct 2026 · staxpayments.com

Every Stax Connect plan and price →

Strong points and limits

Strong points

  • Hosted components and branded dashboards
  • Online, in-person, and recurring payments
  • REST API, SDKs, and event webhooks
  • Split funding and same-day or next-day deposits
  • Pre-launch implementation help is available

Limits

  • Pricing is available on request
  • Level 2 processing applies to eligible transactions
  • Some in-person capabilities require a card-present integration
  • Post-launch Tier 1 support is optional

Who it suits

Stax Connect is intended for vertical SaaS teams embedding payments into products for the listed industries. It suits teams needing hosted or custom enrollment options and developer tools for payment workflows.

Verdict

Stax Connect combines embedded payment acceptance with developer tools, reporting, and funding options. Review the card-present integration requirement and request pricing to assess fit.

Where Specifiction places it

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