Surcharge with Powerful Solutions by Stax. Accept Credit Cards at 0% Cost.*

Empower your business with 0% credit card processing. Stax makes payments fair for everyone by offering technology-automated compliance with surcharging rules.

*Where eligible, the credit card discount rate is offset by the surcharge.

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Increase Revenue

Save thousands of dollars annually and increase payment flexibility with zero credit card transaction fees.

Eliminate Credit Card Processing Fees

Seamlessly pass 100% of credit card fees to customers compliantly online or in-person. Pass on the fee for credit card transactions with Stax while also offering customers the ability to choose debit as a no-fee option.

Technology-Automated Surcharge Compliance

Feel confident with the industry-leading surcharging compliance technology on the market meeting state and federal surcharging requirements.

Compliance and Security

Ensure compliance with state laws and rules set by credit card brands. Stax knows the importance of compliance and security, protecting your payments from processing fees by staying at the forefront of merchant advocacy.

Fully Compliant Surcharge Management

Automatically detect when a debit card is entered and apply no fees. Stax only applies surcharges to credit cards.

    Must be registered with the card brands

    • Our team provides easy access to notify the card brands of your intention to Surcharge.

    Must inform customers of the surcharge with appropriate signage

    • Our team provides guidance and access to necessary signage as applicable.

    Amount of the surcharge must not exceed 3%, and merchant cannot profit from the fee

    • Our solution determines credit card fee that never surpasses 3%. You receive 100% of the sale—no more or less.

    Surcharge amount and price of the product/service must be processed together

    • Our solution processes the credit card fee and the purchase amount as one transaction.

    Receipt must show the amount of the surcharge as a separate line item

    • Our solution produces a receipt that itemizes the credit card fee.

    Must not apply a surcharge to debit cards

    • Our solution automatically detects when a debit card is entered and applies no fee.

Expand Payments Options

Offer more ways to pay with the ability to openly accept every card type no matter where and how your customers want to pay.

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Digital Invoicing & Recurring Billing

Clearly show the transaction cost and surcharge amount on all invoices, including billing for recurring charges.


Clearly display fees on surcharge-enabled terminals before processing and on credit card receipts.


Automatically show credit card users surcharge costs during the online payment confirmation stage and allow them to select a surcharge-free payment option including ACH, debit cards, and gift cards.


Easily review surcharge costs and confirm customer payments before charging cards on file or collecting payments over the phone.


Use any mobile device to instantly accept payments, send invoices, and add new customer payment methods from anywhere with the Stax iOS and Android App.

Request a Savings Estimate

Discover how much you’ll save with an estimate from on of our Payment Consultants.