CELER Merchants vs Stax
CELER Merchants is an independent merchant services agent, not a processor: we make the providers we work with compete for your account, and the service costs you $0. Stax is a payment provider with subscription pricing. As published on 18 Oct 2026, Stax charges from $99 a month, passes interchange through with 0% markup, and adds 8¢ per in-person transaction and 15¢ per keyed or online transaction.
What Stax is
Stax sells payment processing on a monthly subscription. The subscription depends on yearly processing volume: $99 a month up to $150,000 a year, $139 a month from $150,000 to $250,000, and $199 or more above $250,000. Interchange is passed through at cost with a per-transaction fee. Stax also offers built-in credit card surcharging; when a customer pays by debit, Stax lists the merchant fee as 1.25% + $0.25. Source: Stax pricing page, checked 18 Oct 2026.
What CELER Merchants is
We do not process payments and we do not hold your money. We read your statement, name every fee (usually within 4 hours), then take your profile to the providers we work with and show you every offer that comes back. You choose. The provider you choose pays us, so the service is free to you. Our pricing structures carry no statement fee, no PCI fee, no annual fee, no monthly minimum and no early-termination fee, and the CELER Rate Lock fixes the markup in writing.
| مورد | Stax | CELER Merchants |
|---|---|---|
| Pricing model | Monthly subscription plus interchange at cost | Flat rate, interchange-plus, zero-fee dual pricing or custom, chosen after providers compete |
| کارمزد ماهانه | From $99 a month, by yearly volume | $0 for our service; the provider you choose pays us |
| Per transaction | 8¢ in person, 15¢ keyed or online, plus interchange | Quoted on your statement by the providers we work with |
| Surcharging | Built-in credit card surcharging; debit not surcharged (merchant pays 1.25% + $0.25) | Dual pricing or surcharging where your state or province allows it; debit never surcharged |
| Who you can compare | One provider: Stax | Several, from the providers we work with |
Stax figures are taken from https://staxpayments.com/pricing/ on 18 Oct 2026. Prices change: check the provider's page and your own agreement before you decide.
Which fits you?
A subscription can make sense at steady, higher volume, because the fixed monthly fee is spread over more sales. At lower volume, the monthly fee weighs more on every sale. Compare your effective rate (total fees, including the subscription, divided by total card volume) with the offers you could get. We are happy to tell you when your current pricing is already good.
See what CELER Merchants costs, or compare: CELER vs Square · CELER vs Helcim · CELER vs Stax
Stax is a trademark of its owner. CELER Merchants is not affiliated with or endorsed by Stax.
Questions
As published on Stax's pricing page on 18 Oct 2026: a subscription from $99 a month (by yearly processing volume), interchange passed through with 0% markup, plus 8¢ per in-person transaction and 15¢ per keyed or online transaction. Check Stax's page for current rates.
It depends on your volume, card mix and average ticket. Send a recent statement and we name every fee, usually within 4 hours, then show you the offers providers make for your account. If Stax is already the better deal for you, we tell you so.
No. In the US, Visa and Mastercard rules prohibit surcharging debit and prepaid cards. Surcharging is also prohibited in Connecticut, Maine, Massachusetts and Puerto Rico, and Quebec does not allow a fee for paying by card.