S

Stax Processing

by Stax Payments
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ActiveAvailable globallyCloud
Quick facts
VendorStax Payments
Year launchedN/A
StatusActive
LocationAtlantic-Pacific Processing Systems 12345 Main Street, Suite 100 Anytown, USA 54321
Countries servedGlobal
Languages11
Integrations5+
Free tierNO
Free trialNO
Contact salesYES
Last reviewed: Jun 2026

About Stax Processing

A full-stack payment processing platform providing end-to-end transaction management, from origination through settlement.

Stax Processing is the foundational payment processing layer of the Stax Payments ecosystem, evolved from the acquisition of Atlantic-Pacific Processing Systems (APPS). It serves as a full-stack, end-to-end processor that enables businesses, ISVs, and ISOs to control the entire payment lifecycle, from origination to settlement. By connecting directly to major card networks, Stax Processing removes reliance on third-party processors, offering improved performance, reduced latency, and enhanced data visibility. The platform is designed for scalability, supporting a wide range of payment methods including in-person, online, and mobile transactions. Key capabilities include automated recurring billing, compliant surcharging, and a robust API for embedded payments. Stax differentiates itself with a subscription-based pricing model that replaces traditional percentage-based markups with flat monthly fees, which can be highly cost-effective for high-volume merchants. While the platform is powerful, its subscription-based pricing may be less suitable for low-volume or seasonal businesses. Support is provided through dedicated account management and 24/7 customer service, complemented by a comprehensive knowledge base and API documentation.

Pros & Cons

Pros
  • Direct connections to major card networks improve processing speed and dispute resolution.
  • Subscription-based pricing model offers predictable costs for high-volume merchants.
  • Unified platform provides end-to-end control over the entire payment lifecycle.
  • Compliant surcharging tools help businesses offset credit card processing fees.
  • Robust API and white-label options make it a strong choice for SaaS platforms.
Cons
  • Subscription-based pricing model can be expensive for low-volume or seasonal businesses.
  • Pricing structure requires a monthly commitment that may not be suitable for all merchant types.
  • Advanced features and custom integrations may require sales contact for implementation.

Features

Key features

Direct Network Connectivity

Connects directly to Visa, Mastercard, Discover, and Amex OptBlue to reduce processing delays and improve dispute resolution.

Omnichannel Payment Acceptance

Supports in-person, online, and mobile payments through a unified platform.

Compliant Surcharging

Provides automated surcharging technology that passes credit card processing fees to cardholders where permitted.

Unified Data Foundation

Centralizes transaction data to power reporting, reconciliation, and AI-enabled fraud controls.

Embedded Payments API

Offers a RESTful API for SaaS platforms to integrate white-label payment processing directly into their software.

Additional features

Virtual Terminal

Enables manual entry of payment information for phone or mail-order transactions.

Recurring Billing

Automates subscription payments with account updater functionality to reduce failed transactions.

Hosted Payment Pages

Provides secure, customizable checkout pages for online payments.

Next-Day Funding

Accelerates cash flow by providing faster access to processed funds.

Card Network Tokenization

Secures sensitive payment data by replacing card numbers with tokens.

Fraud Protection

Includes built-in tools to identify and mitigate fraudulent transaction risks.

Customizable Invoicing

Allows businesses to generate and send professional invoices with integrated payment links.

Accounting Reconciliation

Streamlines financial reporting by syncing transaction data with accounting systems.

Mobile Payment App

Facilitates on-the-go payment acceptance via mobile devices and card readers.

White-Label Capabilities

Enables partners to brand the payment experience as their own.

Pricing

Free trial
Free version
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Promo Offer

Monthly plans

Stax Pay
USD 99/mo
flat rate · billed monthly

Starting at $99/month for processing up to $150,000/year. Pricing scales with volume.

Source: vendor pricing page →

Countries & Languages

Global
Countries served
11
Interface languages
11
Billing currencies

Interface languages

EnglishSpanishFrenchGermanItalianPortugueseRussianChineseJapaneseKoreanArabic

Billing currencies

🇺🇸USD🇪🇺EUR🇬🇧GBP🇨🇦CAD🇦🇺AUD🇯🇵JPY🇨🇳CNY🇨🇭CHF🇸🇪SEK🇳🇴NOK🇩🇰DKK

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