Quick Answer
Both Stax and Payment Depot use membership pricing — best for businesses processing $50,000+/month. Choose Stax for a broader feature set including invoicing and CRM tools; choose Payment Depot for a simpler, more focused pricing structure.
Head-to-Head Comparison
Both Stax and Payment Depot use membership-based pricing where merchants pay a monthly subscription fee in exchange for wholesale or near-wholesale interchange pass-through rates. Stax offers a broader feature set including invoicing, CRM tools, mobile payments, and more integrations. Payment Depot offers a simpler, more focused wholesale pricing structure. Both are best suited to businesses processing $50,000 or more per month.
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Both use membership-style pricing. Frequently compared by merchants evaluating subscription model processing.
Compare membership structures and transaction fee schedules for mid-to-high volume businesses.
Stax may be a better fit when…
Choose Stax if you want membership pricing combined with a broader feature set including invoicing, CRM, and business management tools.
View Stax profilePayment Depot may be a better fit when…
Choose Payment Depot if you want a straightforward wholesale pricing structure without paying for additional software features.
View Payment Depot profilePricing model
Both use membership pricing with interchange pass-through.
Feature set
Stax includes invoicing, CRM, and more software tools alongside processing.
Simplicity
Payment Depot offers a more focused, lower-complexity offering.
Pricing transparency
Both publish membership pricing tiers on their websites.
Volume suitability
Both are designed for higher-volume SMBs ($50k+/month).
"Edge" indicates a relative advantage based on publicly available information. Verify all details directly with each provider before making a decision.
Data sourced from publicly available information. Fields marked "Research in Progress" are not publicly confirmed. How we verify data.
Both charge a monthly membership fee in exchange for near-wholesale interchange pass-through rates. The break-even versus flat-rate pricing is typically around $50,000/month but varies by card mix and average transaction. Use the Cost Calculator to estimate your specific break-even.
Recommended reading before making a pricing decision:
Stax
Considerations
Payment Depot
Considerations
Advantages and considerations are based on publicly available information. Verify all details directly with each provider.
Membership pricing can reduce total processing costs for businesses processing $50,000 or more per month. At lower volumes, the monthly membership fee may outweigh the savings. Use the Cost Calculator on ProcessorFit to estimate based on your specific volume and average transaction.
Contract terms vary by plan. Both Stax and Payment Depot publish membership plan details on their websites. Verify current contract terms directly before signing any agreement.
A commonly cited rule of thumb is $50,000 per month in processing volume, but the actual break-even depends on your card mix, average transaction size, and the flat-rate alternative you are comparing against. Calculate your current effective rate and compare to the membership model's estimated cost at your volume.
Enter your monthly volume and average transaction to compare estimated fees side by side.
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Verification note
Membership-model pricing verified against publicly available documentation. Monthly fees and interchange pass-through terms are subject to change. Verify current terms directly with Stax and Payment Depot.
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