Best Payment Processors · head-to-head

Stax (by Fattmerchant) vs Braintree (a PayPal service)

A sourced, side-by-side comparison for payment processors. Every figure links to the public page it was captured from — the vendor's own wherever the vendor publishes the number, otherwise the named public source — with the date we captured it.

Stax (by Fattmerchant) starts at $99/mo; Braintree (a PayPal service) is usage-priced, so the two cannot be ranked on entry price. Free tier: Stax (by Fattmerchant) No, Braintree (a PayPal service) No. HIPAA: Stax (by Fattmerchant) No, Braintree (a PayPal service) No.

As of 2026-09-05 · figures link to their source below

Side by side

Stax (by Fattmerchant)

$99/mo entry
Entry price$99/mo (Subscription (up to $150K/yr))
Free tierNo
HIPAA (BAA)No
SOC 2
GDPR
Best forEstablished SMBs processing $120K+/year wanting to eliminate percentage markups

Braintree (a PayPal service)

usage-priced
Entry priceusage-priced
Free tierNo
HIPAA (BAA)No
SOC 2
GDPR
Best forEnterprise merchants wanting PayPal/Venmo alongside cards in one integration

Sources — Stax (by Fattmerchant): staxpayments.com (verified 2026-09-03) · Braintree (a PayPal service): paypal.com (verified 2026-09-05)

Key features

Stax (by Fattmerchant): 0% interchange markup — flat per-transaction cents only above direct interchange cost; Subscription model saves high-volume merchants vs. percentage-based processors; All-in-one: invoicing, recurring billing, virtual terminal, and reporting included; PCI DSS compliant platform; Dedicated account manager on higher tiers

Braintree (a PayPal service): Payment orchestration with multi-acquirer routing; PayPal, Venmo, and card in a single SDK integration; Global payouts to 200+ markets in 50+ currencies; Fraud management tools; Mobile SDKs for iOS and Android

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