Credit Card Processing Solutions
Top Companies in 2024
Payment Depot vs Stax
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- Simplified monthly membership model
- No setup or application fees
- No cancelation fees
- Excellent 24/7 customer support
- 90-day money-back guarantee
- Large variety of payment methods
- Allows surcharging
- Month-to-month payments
- Excellent 24/7 customer support via phone, email, and tickets
- Comprehensive third-party integrations
- Specialized solutions for SaaS and large companies
- Do not support high-risk businesses
- No longer offers free hardware
- No proprietary mobile app
- Only available in the US
- Higher fixed monthly costs
- Reports of frozen funds
- Prices not listed for larger companies
- Many options come at an added price
Payment Depot is a credit card processor, founded in 2013 and based in Orange, CA, that is owned by fellow processing company Stax. They are BBB-accredited and have a 3.9/5 score on Trustpilot. Payment Depot built a reputation for providing reliable services to their clients across the United States, allowing them to securely accept payments from customers worldwide. They serve many industries, such as retail, restaurants, healthcare, services, B2B, and more. Payment Depot offers various features designed to make it easier for businesses to accept payments and manage their finances, including access to multiple payment processing networks, secure online payments, fraud protection systems, and a host of other business solutions tailored to small and large enterprises. Payment Depot doesn't require long-term contracts, and they have no startup or cancellation fees. Their funding is provided within 24 to 48 hours, and they offer 24/7 customer service via phone, chat, and email. Payment Depot offers a membership-based pricing model, which allows businesses to access wholesale interchange rates with no markups and minimal added fees. Their plans start at $79 a month but require clients to submit for a quote based on their requirements.
Stax is a credit card processing company that markets solutions to small to medium-sized businesses (SMBs) as well as large businesses. They enable businesses to accept credit and debit cards by providing membership-based wholesale pricing. The company offers credit card processing services to brick-and-mortar businesses and online merchants and services available for high-risk businesses. They offer two pricing plans, including an interchange fixed plus rate and a zero-cost processing option. Stax is known for their proficiency in working with high-revenue enterprises, and they provide high-volume enterprises with a dedicated account manager. Additionally, the organization provides internal IT support, which makes life easier for business owners when technical difficulties occur as a result of a company's expansion. Stax offers a selection of hardware and point-of-sale (POS) system options in addition to a wide range of no-cost integrations. Along with other capabilities, including the capacity to store card data, sales tracking, and brand personalization for invoices, receipts, and websites, they also provide 24/7 customer support, same-day deposit possibilities, and PCI compliance components. Stax requires a flat-rate monthly subscription of $99 to $199, to which clients may be charged for optional add-on services like ACH processing and digital gift cards.
- Transaction Speed : 24 Hours
- Customer Experience : "True"
- Money-Back Guarantee : "True"
- Real-Time Reports : Unavailable
- Transparent Pricing : Available
- Pricing Model : Fixed monthly fee with wholesale interchange rates
- Trustpilot Score : 3.8 out of 5
- BBB Rating : B+
- Transaction Speed : 24 hours
- Customer Experience : Good
- Money-Back Guarantee : True
- Gift Cards : Available
- Real-Time Reports : Available
- Transparent Pricing : Available
- Pricing Model : Fixed monthly fee, Surcharging
- Trustpilot Score : 4.1 out of 5
- BBB Rating : A+
- Interchange + 0% per transaction
- Business owners report average monthly savings of $400+
- Committed to simple and clear credit card processing
- Seamlessly accept every payment type
- No setup or application fees
- Month to month agreements
- Robust security with the latest encryption and tokenization technology
- Customized solutions to meet the unique needs of each business
- Comprehensive reporting and detailed analytics to help businesses grow
- Responsive customer support, available 24/7
- Advanced features like recurring billing, invoicing, and mobile payments
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- Billing & Invoicing
- Electronic Receipts
- Free Hardware
- Mobile Card Reader
- Multiple Payment Gateways
- Recurring Payments & Billing
- Reporting & Analytics
- Virtual Terminal
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- EMV Compliant
- Payment Fraud Protection
- PCI Compliance
- Annual Subscription
- Free Trial
- Freemium—Undisclosed
- Monthly Subscription
- One-Time License—Undisclosed
- Annual Subscription—Undisclosed
- Free Trial
- Freemium—Undisclosed
- Monthly Subscription
- One-Time License—Undisclosed
- Processing Services
- Accounting Software
- POS
- Productivity Software—Undisclosed
- Processing Services
- Accounting Software
- POS
- Productivity Software—Undisclosed
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- ACH Processing
- Cash Transactions
- Credit Card Terminals
- Electronic Signature
- In-Person Payments
- Mobile Payments
- NFC Payments
- Online Payment Procesing
- Demos—Undisclosed
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
- Demos—Undisclosed
- FAQs
- Help Guides
- Live Chat
- Mobile Application
- Phone
- Tickets
Stax vs. Payment Depot
Exploring credit card processing options? Stax and Payment Depot present distinctive features for businesses of different sizes. This comparison navigates through their usability, data security measures, and pricing models, helping you make an informed choice in the world of credit card processing.
Value-added benefits
Stax and Payment Depot are two distinct credit card processing solutions, each with unique features. Stax stands out with its thorough integration experience through customizable all-in-one API, seamlessly connecting with various e-commerce applications like QuickBooks, shopping carts, gift card software, and diverse POS software. Stax provides advanced data visualization and state-of-the-art reporting and includes recurring billing along with additional features such as multi-currency support, surcharging, and real-time transaction monitoring.
On the other hand, Payment Depot emphasizes smooth and secure payments for e-commerce merchants, integrating seamlessly with most payment gateways. The platform mirrors Stax by including recurring billing as a key feature, complemented by free payment gateways, terminals, and shopping cart integrations. While Payment Depot lacks services like multi-currency support, booking and reports, and surcharging, they set themselves apart by providing no markups, add-on fees, or cancellation fees, along with a complimentary virtual terminal and payment gateway.
Usability
Stax and Payment Depot provide user-friendly credit card processing solutions with distinct strengths. Payment Depot’s simplicity is especially well-suited for smaller enterprises. The platform stands out by offering a flexible array of payment options, including credit and debit cards, digital wallets, ACH, and bank transfers. Their user interface boasts a logical layout that is easy to navigate, enhancing the overall user experience.
Additionally, Payment Depot excels in providing a highly rated payment gateway process and offers exceptional customer support, adding to the appeal for businesses seeking hassle-free payment solutions. In contrast, Stax targets high-volume businesses, offering flexibility through unlimited credit card processing and various hardware options, including virtual terminals for card-not-present transactions. While Stax enhances user convenience with a free mobile app, both platforms ensure a reliable payment time with next-day payouts, contributing to the financial efficiency of businesses.
Level of data security
Stax and Payment Depot are both Level 1 PCI compliant, ensuring the highest level of data security. However, Stax stands out with superior PCI support, offering an advanced dashboard for simplified compliance steps, multi-factor authentication for enhanced account security, and temporary risk holds for additional verification. In contrast, Payment Depot provides functionalities like tokenization, end-to-end encryption, and continuous fraud risk monitoring, contributing to an elevated level of data security suited for smaller companies.
Pricing
Stax and Payment Depot share a subscription-based pricing model for credit card processing. Stax offers plans starting at $99 per month for small companies processing up to $250,000 annually, increasing to $199 per month for those processing $250,000 to $500,000. Custom pricing is required for processing volumes beyond this range. In contrast, Payment Depot prices their subscription model at $79 per month for companies processing up to $250,000, with custom pricing applicable for higher transaction volumes. Both providers aim to provide transparency in their rates and fees within the subscription model, offering businesses flexibility based on their processing needs.
In conclusion, comparing Stax and Payment Depot uncovers vital insights for businesses seeking the right fit. With extensive integration capabilities and an emphasis on high-volume enterprises, Stax brings advanced features and customization options to the table. Payment Depot, on the other hand, caters to smaller businesses with simplicity and flexibility in mind. Whether it's the advanced functionalities of Stax or the straightforward approach of Payment Depot, the informed choice ultimately depends on your business's unique needs and preferences in the dynamic realm of credit card processing.
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