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Card processing review

Payment Depot

Payment Depot, now run by Stax: interchange-plus pricing with a markup set in your quote (its pricing page shows variable rates of 0.2% to 1.95%), 8¢ per in-person payment and 15¢ online, month-to-month with no cancellation fee. It doesn't publish its monthly, PCI or statement fees.

By Payment Depot (Stax)Parent company: Fattmerchant, Inc. d/b/a Stax (private)
Not enough data to score

Not enough verified data yet

We've verified 8 of 12 key facts for this processor. Until we reach 80%, this page shows what we have, with sources, and it isn't a full review.

Our verdict

Interchange plus, month-to-month, with no cancellation fee, but Payment Depot publishes too little to compare its cost: ask for a written quote with the markup and every monthly, PCI and statement fee.

What we like

  • Month-to-month with no cancellation fee.
  • Interchange-plus pricing, with no batch fee and next-business-day funding.
  • Credit card surcharging is available.
  • Terminals are sold at a published per-unit price ($310 countertop).

What to watch

  • Its markup and monthly fee come by quote, and its own pricing page is inconsistent: "variable rates as low as 0.2% - 1.95%" (a markup range, as Merchant Maverick reads it) and, on the same page, "0% markup on interchange".
  • It doesn't publish its PCI, statement, annual or chargeback fees, so we can't compute its cost; Merchant Maverick (July 2026) reports complaints about unexpected PCI fees.
  • Its merchant agreement isn't public: price-change, reserve and notice terms are unknown.
  • It doesn't list the restaurant POS systems it works with.

How the score breaks down

RTC ScoreNot enough data

Methodology v0.1.0

We could verify less than 60% of what we score, so we don't rank it.

Data completeness43%

We could verify 43% of the scoring data

Strongest points
What leaving in month 12 costs, Standard deposit speed, Contract term
Weakest point
Published pricing

Score by criterion

  • 12-month cost of the reference restaurantWeight 37%No data
  • Standard deposit speedWeight 11%Strongest8.0 out of 10
  • What leaving in month 12 costsWeight 9%Strongest10.0 out of 10

    $0 to leave in month 12

  • Price increases during the contractWeight 8%No data
  • Published pricingWeight 7%Weakest2.0 out of 10
  • 24/7 supportWeight 6%No data
  • Contract termWeight 4%Strongest10.0 out of 10
  • Support channelsWeight 4%6.0 out of 10
  • No equipment lease you can't cancelWeight 3%10.0 out of 10
  • Works with restaurant POS systemsWeight 3%No data
  • Automatic renewalWeight 2%10.0 out of 10
  • Equipment works with another processorWeight 2%No data
  • Offers dual pricing or a surcharge programWeight 2%10.0 out of 10
  • Works without the vendor's own POSWeight 1%10.0 out of 10

Before you pass the card fee to your customers

This vendor offers a program that passes the card cost to your customers. Card network rules cap credit card surcharges (Visa 3%, Mastercard 4%) and never allow them on debit, and some states ban or limit them.

This is general information, not legal advice. Card network rules and state laws change, and how they apply depends on your business: check with a lawyer and with your processor before adding a surcharge or a cash discount.

See the rules by state

All the data, with sources

Each value links to its source. "Not published" means the vendor doesn't disclose it; "Unconfirmed" means we looked and couldn't confirm it. Data points we have for fewer than four vendors are left out until we can compare them.

Type of processor and pricing
Data pointValue
Type of processorInterchange-plus or subscription processorSource: Payment Depot (opens in a new tab)
Pricing modelInterchange-plusSource: Payment Depot (opens in a new tab)
Published pricing (points out of 100)20Source: Payment Depot (opens in a new tab)Same rubric for every vendor: only the stated $0 cancellation fee counts (20). The in-person and online markups and the monthly fee come by quote, and its PCI, statement and other fees aren't published.
Card rates
Data pointValue
In-person rateQuote onlySource: Payment Depot (opens in a new tab)By quote. Payment Depot's pricing page says "Variable rates as low as 0.2% - 1.95%" (Merchant Maverick reads that as its markup over interchange) and, lower on the same page, "0% markup on interchange"; your markup is set in your quote.
In-person fee per transaction8¢Source: Payment Depot (opens in a new tab)8¢ per in-person payment on top of interchange and your quoted markup.
Online rateQuote onlySource: Payment Depot (opens in a new tab)By quote. Payment Depot's pricing page says "Variable rates as low as 0.2% - 1.95%" (Merchant Maverick reads that as its markup over interchange) and, lower on the same page, "0% markup on interchange"; your markup is set in your quote.
Online fee per transaction15¢Source: Payment Depot (opens in a new tab)
Keyed-in rateQuote onlySource: Payment Depot (opens in a new tab)By quote. Payment Depot's pricing page says "Variable rates as low as 0.2% - 1.95%" (Merchant Maverick reads that as its markup over interchange) and, lower on the same page, "0% markup on interchange"; your markup is set in your quote.
Keyed-in fee per transaction15¢Source: Payment Depot (opens in a new tab)
American Express pricingUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't say how it prices American Express.
American Express rateUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish a rate for American Express.
Rates by monthly volumeNo published tiers: the pricing page shows a rate range, "variable rates as low as 0.2% - 1.95%" (Merchant Maverick reads it as the markup over interchange), and your markup is set in your quote.Source: Payment Depot (opens in a new tab)
Monthly and other fees
Data pointValue
Monthly account or plan feeQuote onlySource: Payment Depot (opens in a new tab)Payment Depot publishes no monthly fee; Merchant Maverick (July 2026) says its old membership pricing was replaced by quoted pricing.
Annual fee per accountNot publishedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish it; its pricing page sends you to a quote.
Annual fees per device or locationUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot publishes no fee per device or location.
PCI compliance fee (yearly)Not publishedSource: Payment Depot (opens in a new tab)Not published. Merchant Maverick (July 2026) reports recent customer complaints about PCI fees.
PCI non-compliance fee (monthly)Not publishedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish it; its pricing page sends you to a quote.
Statement feeNot publishedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish it; its pricing page sends you to a quote.
Monthly minimumNot publishedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish it; its pricing page sends you to a quote.
Fee per batch$0Source: Payment Depot (opens in a new tab)
Chargeback feeNot publishedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish it; its pricing page sends you to a quote.
Other feesACH: 1% per payment, capped at $10. Optional terminal protection plan: $19 a month. Payment Depot doesn't publish its other account fees.Source: Payment Depot (opens in a new tab)
Equipment
Data pointValue
How you get the equipmentYou buy itSource: Payment Depot (opens in a new tab)Terminals have a per-unit price.
Price of a countertop terminal$310 one-timeSource: Payment Depot (opens in a new tab)Dejavoo QD4 countertop terminal.
Equipment lease you can't cancelNoSource: Payment Depot (opens in a new tab)Payment Depot sells its terminals at a per-unit price; its equipment page offers no lease.
Equipment lease termN/ASource: Payment Depot (opens in a new tab)No lease offered.
Equipment at $0 upfront: what it commits you toN/ASource: Payment Depot (opens in a new tab)Payment Depot doesn't offer equipment at $0 upfront: you buy it.
Equipment only works with this processorUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't say whether its terminals can be used with another processor.
Getting your money
Data pointValue
Standard deposit speedNext business daySource: Payment Depot (opens in a new tab)
Instant payout feeUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish an instant payout option.
Holds and reservesUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot's merchant agreement isn't public.
Contract and exit
Data pointValue
Contract termMonth to monthSource: Payment Depot (opens in a new tab)Month-to-month, per Payment Depot and Merchant Maverick (July 2026).
Automatic renewalMonth to month()Source: Merchant Maverick (opens in a new tab)Month-to-month, with no renewal term.
Notice to avoid renewal0 days()Source: Merchant Maverick (opens in a new tab)No renewal to opt out of; the cancellation notice isn't published.
Notice to cancelUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot's merchant agreement isn't public.
Early termination feeNo cancellation fee.Source: Payment Depot (opens in a new tab)
How the early termination fee is calculatedNo early termination feeSource: Payment Depot (opens in a new tab)
Liquidated damages clauseNoSource: Payment Depot (opens in a new tab)
Price increases during the contractUnconfirmedSource: Payment Depot (Stax) (opens in a new tab)Payment Depot's merchant agreement isn't public. The terms of use on its site (Stax's) say Stax's fees may be changed at any time, but they leave processing fees to the separate merchant agreement, so we don't use them for this.
Right to raise pricesUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot's merchant agreement isn't public.
Personal guarantee by the signerUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot's merchant agreement isn't public.
Dual pricing and surcharges
Data pointValue
Dual pricing or surcharge programYesSource: Payment Depot (opens in a new tab)Credit card surcharging; Payment Depot doesn't publish what your customers pay, what debit costs you with it or its fee. Card network rules and state laws apply.
Cards the program coversCredit cards only (surcharge)Source: Payment Depot (opens in a new tab)A surcharge only covers credit cards (card network rules).
Monthly fee for the programNot publishedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish it; its pricing page sends you to a quote.
Your POS and your business
Data pointValue
Works with these restaurant POSUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't list the restaurant POS systems it works with; Merchant Maverick (July 2026) mentions the Authorize.Net and NMI gateways for online payments.
Requires the vendor's own POSNoSource: Payment Depot (opens in a new tab)It sells standalone terminals; it doesn't require a POS of its own.
Monthly volume it's built forUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish a minimum volume.
Accepts high-risk businessesUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't publish which business types it accepts.
Routes debit to the lowest-cost networkUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't say whether it routes debit to the cheapest network.
Support
Data pointValue
24/7 support for merchantsUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot says you can reach it "anytime" but publishes no support hours.
Support channelsPhone, Email or formSource: Payment Depot (opens in a new tab)A support line (877-877-7668) and online contact.
Language
Data pointValue
Support in SpanishUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't say which languages its support speaks.
Merchant dashboard in SpanishUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot doesn't say whether its dashboard comes in Spanish.
Contract or terms in SpanishUnconfirmedSource: Payment Depot (opens in a new tab)Payment Depot's merchant agreement isn't public.
US website in SpanishNoSource: Payment Depot (opens in a new tab)paymentdepot.com/es answers 404.

More about Payment Depot

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