Stax fees & pricing
Stax Payments (formerly Fattmerchant) · Subscription / membership · best for high-volume merchants ($15k+/mo) who want 0% markup
Stax uses subscription / membership pricing. It does not publish a single blended percentage — the cost depends on your card mix and volume. International / cross-border: Interchange + assessments pass through at cost. Chargeback fee: $25.00 per chargeback (varies by plan). Monthly fee: $99–$199/mo subscription depending on volume tier. Stax uses a SUBSCRIPTION (membership) model: you pay a flat monthly fee ($99–$199) and then interchange + a small fixed per-transaction fee ($0.08–$0.18) with 0% markup on the percentage. This only beats flat-rate processors above roughly $15,000–$20,000 in monthly card volume, where the saved markup exceeds the subscription.
Source: Stax Payments (formerly Fattmerchant) pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Stax fee structure
| Pricing model | Subscription / membership |
|---|---|
| Headline rate | Subscription / membership |
| Monthly fee | $99–$199/mo subscription depending on volume tier |
| International / cross-border | Interchange + assessments pass through at cost |
| Chargeback fee | $25.00 per chargeback (varies by plan) |
| Payout speed | 1–2 business days |
| Best for | high-volume merchants ($15k+/mo) who want 0% markup |
Source: Stax Payments (formerly Fattmerchant) pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
Stax prices on subscription / membership, so the per-transaction fee depends on the specific card (interchange), scheme fees and your negotiated terms. Request a full fee schedule and run your real card mix to estimate the effective rate. See how we treat custom pricing.
Cost pros & cons
Where Stax saves money
- 0% markup — pay interchange at cost
- Predictable monthly subscription
- Big savings at high volume
Watch-outs
- $99+/mo is wasted below ~$15k/mo volume
- Per-transaction fixed fee still applies
- Not for small/seasonal merchants
Frequently asked questions
What are Stax's payment-processing fees?
Stax uses subscription / membership pricing, so there is no single blended percentage to quote — the cost depends on your card mix and volume. Stax uses a SUBSCRIPTION (membership) model: you pay a flat monthly fee ($99–$199) and then interchange + a small fixed per-transaction fee ($0.08–$0.18) with 0% markup on the percentage. This only beats flat-rate processors above roughly $15,000–$20,000 in monthly card volume, where the saved markup exceeds the subscription. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does Stax charge a monthly or setup fee?
$99–$199/mo subscription depending on volume tier. Because pricing is negotiated, ask for the full fee schedule (gateway, statement, PCI and minimums) before signing.
How much does Stax charge for international cards and chargebacks?
International / cross-border: Interchange + assessments pass through at cost. Chargeback / dispute fee: $25.00 per chargeback (varies by plan). International cards and disputes can dominate the effective rate for global merchants.
Is Stax good for my business?
Stax is best for high-volume merchants ($15k+/mo) who want 0% markup. 0% markup — pay interchange at cost. Watch out: $99+/mo is wasted below ~$15k/mo volume. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
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Source & accuracy
Figures are a dated snapshot from Stax Payments (formerly Fattmerchant)'s pricing page (as of June 2026). This processor passes interchange through, so the effective rate varies with your card mix. Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29