Stax Payments

Stax Payments: Merchant Payment Acceptance Overview

Stax Payments provides payment acceptance and billing tools for direct merchants and for software platforms that want to embed payments. The product set includes Stax Pay for merchant payment operations, Stax Connect for embedded payments and partner programs, and Stax API tooling for developers who need to integrate payments, invoicing, and reporting into their own systems. Stax describes serving more than 30,000 merchant customers and processing about $23 billion in payments.

Products And Typical Use Cases

Stax Pay For Direct Merchants

Stax Pay is the merchant platform for taking payments and managing core workflows. Stax describes capabilities such as:

• In-person payments using smart terminals and mobile readers.

• Online payments through hosted payment pages (including Lightbox), payment links, payment buttons, and QR code payments.

• Invoicing and recurring billing tools.

• Reporting and analytics within Stax Pay, including deposits and payment activity visibility.

Stax Connect For Platforms

Stax Connect targets SaaS platforms and ISVs that want to embed payments. Stax positions Stax Connect as an API-first program with white label capabilities and multiple models, including referral, reseller, and PayFac. The program also emphasizes onboarding workflows plus underwriting and risk management support.

Stax API And Developer Tooling

Stax’s developer stack includes Stax.js for web tokenization and embedded card fields, webhooks for event-driven integrations, and mobile SDK support for iOS and Android to tokenize payment methods in-app. Stax’s APIs cover payment processing and operational needs such as customers, invoices, disputes, and deposits.

Pricing Model For Stax Pay

Stax publishes a subscription model for Stax Pay with “0% markup on direct-cost interchange.” Subscription tiers shown on the pricing page include:

• $99/month for up to $150,000/year in processing volume

• $139/month for $150,000 to $250,000/year

• $199+/month for $250,000+/year (with custom quotes for larger volumes)

Stax also publishes per-transaction fees:

• Card present: $0.08 per transaction

• Card not present: $0.15 per transaction

• ACH: $0.60 per transaction

The pricing page also lists included feature areas such as hosted payment pages, payment links/buttons/QR codes, recurring billing, account updater and securely stored card updates, dashboard analytics, and next business day funding for eligible direct customers. An optional add-on shown is chargeback protection priced at $25 per chargeback.

Payment Acceptance Channels

Stax supports several acceptance channels that map to common merchant workflows:

• In-person acceptance via terminals and mobile readers.

• Online acceptance via hosted payment pages and no-code payment links, buttons, and QR codes.

• Mobile acceptance via a mobile app experience and via iOS/Android SDKs for merchants building in-app payment flows.

• Keyed and back-office workflows through online and invoicing flows (often used in MOTO-style operations).

Payment Types And Methods

Across its merchant product and documentation, Stax supports:

• Credit and debit cards (card present and card not present).

• Digital wallets, including Apple Pay and Google Pay (in-person, and via payment links for configured accounts).

• ACH payments (bank transfer).

Checkout, Invoicing, And Recurring Billing

Stax Pay includes multiple ways to collect and manage payments beyond a standard checkout:

• Hosted payment pages: Lightbox is positioned as an embedded hosted payment page option for a merchant website.

• Payment links: documentation indicates payment links can provide a Pay Now button and a QR code that route to a hosted payment page; for configured accounts, links can accept credit, debit, ACH, and Apple Pay or Google Pay.

• Invoicing: Stax describes customizable invoices delivered by email or text message, with tools to track payments.

• Recurring billing: Stax describes scheduling recurring billing in its invoicing workflow.

For businesses with heavier subscription operations, Stax also offers Stax Bill, positioned as a subscription billing platform for recurring billing and subscription management.

Risk, Disputes, And Security

Stax documents security and operational controls that matter to merchants:

• PCI security: Stax states it is a Level 1 PCI Service Provider and describes encryption, end-to-end protection, and tokenization practices.

• Tokenization to reduce PCI scope: Stax positions Stax.js and its mobile SDK tokenization as methods to capture payment details securely.

• Dispute management: Stax provides a Disputes API and merchant tooling (Dispute Manager) intended to help manage chargebacks, upload evidence, and track resolution.

Settlement And Funding

Stax Pay highlights next business day funding as a feature for eligible direct customers, with notes about daily cutoff times, weekends, and bank holidays affecting availability. For ACH, Stax documentation indicates that once an ACH payment succeeds and is settled, funds are generally deposited within roughly 1 to 2 business days.

Reporting And Integrations

Stax Pay includes reporting and analytics, with documentation describing report access and export over a date range. Stax also provides reporting-oriented API endpoints that cover areas such as fees, sales, volumes, disputes, and refunds.

For integrations, Stax highlights webhook-driven connectivity into other business tools (for example Slack, Zapier, Microsoft Office, Google Suite, and CRMs). Stax documentation also includes integration guides for QuickBooks, HubSpot, Zapier, WordPress payment links, and WooCommerce with an NMI gateway.

Conclusion

Stax Payments combines a subscription-priced merchant processing model (Stax Pay) with embedded payments infrastructure for platforms (Stax Connect) and a developer stack that includes APIs, web tokenization, webhooks, and mobile SDKs. For merchants, the offering focuses on omnichannel acceptance, invoicing, and recurring billing, with publicly stated subscription tiers and per-transaction fees. It supports cards, digital wallets, and ACH. For software platforms, Stax Connect emphasizes embedded payments with white label capabilities and supported program models and onboarding workflows.