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Set your volume and average ticket to see the yearly difference between Stax and Paydude.
Both sliders matter. Volume decides which Paydude tier applies; ticket size decides how much the fixed per-transaction fee costs you, which is where Stax and Paydude differ most.
Ticket size matters as much as volume: the fixed per-transaction fee is what makes small payments expensive. Stax prices on interchange-plus, so the rate used here is a typical all-in figure rather than a list price.
| Paydude | Stax | |
|---|---|---|
| Card rate | 2.6% (falling to 2.5%) | interchange at cost |
| Fixed fee | 25¢ (falling to 15¢) | 8¢ |
| Monthly fee | $0 | $99.00 |
| Subscriptions | No extra percentage | Included |
| International cards | No surcharge | Surcharged |
| Amex and premium cards | +0.3% | Passed through |
| Chargeback fee | $12 | $15–$25 typical |
Above roughly $30,000 a month with a favourable card mix, the subscription model can beat any percentage-based rate. The break-even is the whole decision.
No monthly fee at any volume, so there is no threshold to clear before the pricing makes sense.
Card mix changes this comparison more than the headline rate does. The overpayment calculator models Amex, premium and international share, and reports the point at which Paydude stops being cheaper.
GOOD QUESTIONS
On published base rates for domestic cards, Paydude starts at 2.6% + 25¢ against Stax's interchange at cost + 8¢. Whether that is cheaper for you depends on card mix: Paydude surcharges Amex and premium cards at +0.3% but does not surcharge international cards, where most providers add 1–1.5%.
Above roughly $30,000 a month with a favourable card mix, the subscription model can beat any percentage-based rate. The break-even is the whole decision.
Switching means migrating stored payment tokens, which are specific to the provider that issued them. Most major providers will run a PCI-compliant migration of the underlying card data. Confirm that path exists before committing — it is the main technical obstacle to any processor change.
Both figures are publicly published standard rates for domestic card payments as of September 2026. Neither is a negotiated or promotional rate, and Stax may quote you something different from its list price.