A Comparison of Stax Payments and Payment Cloud
Are you looking for a payment processing service for your business? Stax Payments and Payment Cloud are two popular options in the market. In this article, we will compare and contrast the features, benefits, pricing, and customer support of these two payment processing services.
Payment processing services are third-party providers that offer businesses a way to accept payments from customers. Stax Payments and Payment Cloud are two such payment processing services that offer businesses an easy and secure way to accept payments from customers.
Stax Payments
Stax Payments is a payment processing service that offers businesses a way to accept payments online, in-store, or on-the-go. They offer credit card processing, debit card processing, ACH payments, and mobile payments. They also offer other features such as invoicing and billing, fraud prevention measures, and reporting and analytics tools.
Differences from other payment processing companies
Stax Payments differentiates itself from other payment processing companies by offering a transparent pricing model, which includes no hidden fees or long-term contracts. They also offer a high level of security through their PCI DSS compliance and encryption technologies.
Fees and costs
Stax Payments charges a flat rate of 2.9% + $0.30 per transaction for online payments and 2.5% + $0.10 per transaction for in-store payments. They do not charge any setup fees or early termination fees.
Security features
Stax Payments offers various security features, including PCI DSS compliance, encryption technologies, and fraud prevention measures such as chargeback protection and tokenization.
Customer support
Stax Payments offers 24/7 customer support via phone, email, and live chat. They also provide a knowledge base and other resources to help businesses get started with their services.
Payment Cloud
Payment Cloud is a payment processing service that offers businesses a way to accept payments from customers through various channels such as online, mobile, and in-store. They offer credit card processing, debit card processing, ACH payments, and mobile payments. They also offer other features such as invoicing and billing, fraud prevention measures, and reporting and analytics tools.
Differences from Stax Payments
Payment Cloud differentiates itself from Stax Payments by offering a range of customizable solutions that cater to the specific needs of businesses. They also offer a wider range of payment options, including PayPal and Bitcoin.
Fees and costs
Payment Cloud charges a flat rate of 2.95% + $0.30 per transaction for online payments and 2.65% + $0.30 per transaction for in-store payments. They do not charge any setup fees or early termination fees.
Security features
Payment Cloud offers various security features, including PCI DSS compliance, encryption technologies, and fraud prevention measures such as chargeback protection and tokenization.
Customer support
Payment Cloud offers 24/7 customer support via phone, email, and live chat. They also provide a knowledge base and other resources to help businesses get started with their services.
Comparative Analysis of Stax Payments and Payment Cloud
Features and Benefits
Both Stax Payments and Payment Cloud offer similar payment processing capabilities such as credit and debit card processing, ACH payments, and mobile payments. They also provide other features such as invoicing and billing, fraud prevention measures, and reporting and analytics tools.
Invoicing and billing features
Stax Payments offers businesses the ability to create and send invoices to customers through their platform. Payment Cloud also offers invoicing and billing features, but they are more customizable and allow businesses to create invoices with their branding and logo.
Fraud prevention measures
Both Stax Payments and Payment Cloud offer fraud prevention measures such as chargeback protection, tokenization, and encryption technologies. However, Payment Cloud offers more customizable fraud prevention measures that cater to the specific needs of businesses.
Reporting and analytics tools
Both Stax Payments and Payment Cloud offer reporting and analytics tools that help businesses track their transactions, sales, and revenue. However, Payment Cloud offers more customizable reporting and analytics tools that cater to the specific needs of businesses.
Pricing
Both Stax Payments and Payment Cloud offer competitive rates, but there are some differences in fees and costs.
Comparison of fees and costs
Stax Payments charges a flat rate of 2.9% + $0.30 per transaction for online payments and 2.5% + $0.10 per transaction for in-store payments. Payment Cloud charges a flat rate of 2.95% + $0.30 per transaction for online payments and 2.65% + $0.30 per transaction for in-store payments.
Setup fees
Neither Stax Payments nor Payment Cloud charges any setup fees.
Monthly fees
Neither Stax Payments nor Payment Cloud charges any monthly fees.
Transaction fees
Both Stax Payments and Payment Cloud charge transaction fees for each payment processed.
Other costs associated with using their services
Both Stax Payments and Payment Cloud may charge additional fees for chargebacks, refunds, and other services.
Customer Support
Customer support is an important aspect of any payment processing service.
Support hours
Both Stax Payments and Payment Cloud offer 24/7 customer support.
Contact methods
Both Stax Payments and Payment Cloud offer customer support via phone, email, and live chat.
Response times
Both Stax Payments and Payment Cloud aim to provide quick response times to customer inquiries.
Additional support or resources offered by Stax Payments and Payment Cloud
Both Stax Payments and Payment Cloud offer a knowledge base and other resources to help businesses get started with their services.
| Feature | Stax Payments | Payment Cloud |
|---|---|---|
| Flat rate | $99 / month Subscription fee 0.00% + 8¢ Transaction fee |
Low-risk to high-risk transactions 2% to 4.3% Can be negotiated depending on the volume |
| Setup fees | None | None |
| Monthly fees | Starting from $99 per month | None |
| Transaction fees | 0.00% + 8¢ Transaction fee | Charged for each payment processed |
| Additional costs | Chargeback fee – $25. May charge for refunds and other services |
Chargeback fee – $25. May charge for refunds and other services |
| Support hours | 24/7 | 24/7 |
| Contact methods | Phone 833-782-9729 Live chat support Website contact form |
Phone (800) 988-2215 Website contact form Marketing email: [email protected] |
| Response times | Quick response time | Quick response time |
| Additional resources | Knowledge base and other resources to help businesses get started | Knowledge base and other resources to help businesses get started Media kit |
User Reviews
User reviews are a great way to gauge the satisfaction of businesses that have used Stax Payments and Payment Cloud.
Reviews from businesses that have used Stax Payments
Businesses that have used Stax Payments have praised its transparent pricing model, high level of security, and excellent customer support. Most of the businesses are happy with the services provided. Here are some reviews from Trustpilot
Reviews from businesses that have used Payment Cloud
Most of the customers were satisfied with the services provided by Payment Cloud. Here are some snaps of the reviews on Trustpilot .
There were a few customers who complained about the services.
Conclusion
Both Stax Payments and Payment Cloud offer similar payment processing capabilities, but there are some differences in fees, costs, and customer support. Stax Payments offers a more transparent pricing model and a high level of security, while Payment Cloud offers customizable solutions and a wider range of payment options. Consider your specific business needs and choose the payment processing service that best fits those needs.
Frequently Asked Questions
Q. Who offers better payment processing services, Stax Payments or Payment Cloud?
A. Both offer excellent payment processing services, but it depends on your specific needs.
Q. What makes Stax Payments stand out from Payment Cloud?
A. Stax Payments offers tailored solutions for your business, while Payment Cloud is more affordable.
Q. How does Payment Cloud compare to Stax Payments in terms of fees?
A. Payment Cloud offers lower fees, making it a more cost-effective option for small businesses.
Q. Who is Payment Cloud best suited for?
A. Payment Cloud is best suited for small businesses looking for an affordable payment processing solution.
Q. What are the benefits of using Stax Payments over Payment Cloud?
A. Stax Payments offers more personalized services and tailored solutions for your business needs.
Q. How does Stax Payments address concerns about security?
A. Stax Payments uses state-of-the-art security measures to protect your transactions and customer data.