The complete guide to Stax: Payments, billing, and embedded solutions explained
Stax is a full-service payments platform that offers processing, software, and embedded payments together in one ecosystem. It’s not every day that you see a robust payments partner and solution provider offering several solutions under one roof.
That’s exactly why it’s worth understanding how each piece fits. Different products solve different problems, and knowing what’s available helps you choose the right path, whether you’re a merchant, SaaS platform, or somewhere in between.
This article breaks down Stax’s core solutions so you can quickly see what they do, who they’re for, and how they work together.
Let’s dive in.
Stax Pay
Stax Pay is an all-in-one payments and business management platform built for day-to-day operations. It’s designed to help businesses accept payments in the most cost-effective way, thanks to our subscription-based pricing model. Rather than taking a cut out of your transactions, we charge a flat monthly subscription so you keep more of your revenue as you grow.
Stax Pay brings together in-person, online, and mobile payments, along with tools to manage customers, reporting, and billing.
Here’s what that looks like in practice:
- Accept payments anywhere
- In-person with smart terminals and mobile readers
- Online via payment links, hosted pages, and gateway integrations
- On the go with a mobile app that supports tap, dip, and swipe
- Simplify billing and invoicing
- Send branded invoices via email or text
- Set up recurring billing and automated reminders
- Let customers save payment methods for faster checkout
- Get real-time visibility into your business
- Track sales, deposits, and payment activity
- Monitor trends and customer behavior
- Reconcile transactions and access reports in one place
- Transparent pricing options
- Subscription-based pricing for predictability
- 0% markup on direct-cost interchange, starting at $99/month*
Stax Pay simplifies your operations and helps you reduce costs while staying in control of your payments.
Stax Connect
Stax Connect is built for SaaS companies and ISVs that want to embed payments directly into their platform and turn payments into a revenue driver.
We help SaaS and ISV businesses monetize payments, increase platform stickiness, and create new, scalable revenue streams. For Stax Connect, it’s not just about processing transactions. It’s about enabling payments-led growth.
With a single API integration, platforms can offer a fully embedded, white-labeled payments experience to their customers.
Here’s what stands out:
- Flexible partnership models
- Referral, reseller, or full PayFac support
- Options that match your resources and go-to-market strategy
- White-label embedded payments
- Fully branded experience inside your platform
- You control the user journey while Stax handles the infrastructure
- End-to-end support
- Implementation guidance
- Sales and marketing enablement
- Ongoing growth and account management
- Revenue and growth potential
- Built to drive adoption and monetize payments
- Backed by studies showing strong ROI for partners
- Infrastructure handled for you
- Bank sponsorship, onboarding, risk, and compliance
- Settlement and omni-channel processing
All in all, Stax Connect lets SaaS platforms add payments without building everything from scratch, while unlocking a meaningful new revenue stream.
Payments-led growth takes this a step further by turning payments into a core part of your revenue strategy, not just a feature. Instead of relying only on subscriptions, you create a steady, scalable stream of income tied directly to how your customers transact and grow.
Stax Bill
Stax Bill focuses on recurring revenue. It’s a billing and subscription management platform designed to automate invoicing, collections, and revenue tracking. If your business relies on subscriptions or recurring payments, Stax Bill helps you become a lot more efficient.
Key capabilities include:
- Subscription management
- Flexible pricing models and plan structures
- Custom account hierarchies and tracking
- Recurring billing automation
- Automated invoices and lifecycle communications
- Smart pricing and billing logic
- Payment collection optimization
- Automated dunning and retry logic
- Tools to reduce failed and late payments
- Revenue visibility and compliance
- Revenue recognition support (including ASC 606)
- 50+ reports for tracking performance and cash flow
- Operational efficiency gains
- Less time spent on billing
- Improved collections and revenue recovery
Stax Processing
Stax Processing is the engine behind everything. It’s a full-stack, end-to-end payment processing platform that gives businesses and partners more control over how transactions are handled.
Unlike traditional processors, Stax owns more of the payment lifecycle, which translates into more flexibility and visibility.
Here’s what that enables:
- End-to-end control
- Manage transactions from authorization to settlement
- Approve, hold, or adjust transactions before payout
- Direct connections to card networks
- Links to Visa, Mastercard, Discover, and Amex
- Faster processing and improved dispute handling
- Advanced risk and compliance tools
- Fraud prevention built into every stage
- Fine-tuned controls to minimize risk
- AI-enabled optimization
- Data-driven fraud controls and insights
- Opportunities for personalization and revenue growth
- Deep reporting and transparency
- Portfolio-level insights
- Multi-location and merchant performance tracking
- Simplified reconciliation and transaction management
- Built for scale
- Supports merchants, ISVs, ISOs, and SMBs
- Vertical-specific solutions and integrations
Bringing it all together
Stax brings payments, billing, and embedded finance together in a way that actually makes sense for modern businesses. Whether you’re looking to simplify operations, create new revenue streams, or scale your platform, there’s a solution built for it.
