---
description: Compare Stax vs NMI Payments to learn about each of the product's price, benefits and disadvantages. Choose the best software for your business in New Zealand.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Stax vs NMI Payments Comparison - Capterra New Zealand 2026
---

Breadcrumb: [Home](/) > [Billing and Invoicing Software](/directory/30015/billing-and-invoicing/software) > [Stax \<span\>vs\</span\> NMI Payments](https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi)

# Compare Stax vs NMI Payments

Canonical: https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi

> Detailed comparison between Stax and NMI Payments. Check ratings, reviews, pricing, and features to make the best decision for your business.

-----

## At a Glance

| Metric | Stax | NMI Payments |
| **Overall rating** | 4.0/5 | 4.6/5 |
| **Total Reviews** | 117 | 5 |
| **Starting Price** | US$99.00 | - |
| **Free Trial** | No | - |
| **Free Version** | No | No |
| **Deployment** | Cloud, SaaS, Web-based, Mac (Desktop), Windows (Desktop), Android (Mobile), iPhone (Mobile), iPad (Mobile) | Cloud, SaaS, Web-based, Windows (Desktop) |
| **Support** | Email/Help Desk, Knowledge Base, Phone Support, 24/7 (Live rep), Chat | Email/Help Desk, FAQs/Forum, Knowledge Base, Phone Support, 24/7 (Live rep), Chat |
| **Training** | Live Online, Webinars, Documentation, Videos | Live Online, Webinars, Documentation, Videos |

## Best for

### Stax

Smalls Business Owners &#10;Franchises &#10;Chains &#10;Restaurants &#10;Bars &#10;Retail Stores &#10;E-commerce&#10;Professional Services &#10;Legal &#10;Hotels/Hospitality&#10;Healthcare&#10;Salon and Spa&#10;Health and Fitness

### NMI Payments

NMI Payments is used by SaaS platforms, software companies, ISOs (Independent Sales Organizations), banks and payment facilitators (PayFacs)

## Key features

### Stax

- ACH Payment Processing
- API
- Billing & Invoicing
- Credit Card Management
- Customisable Branding
- Electronic Signature
- In-Person Payments
- Invoice Management
- Mobile Access
- Multi-Currency
- Multi-Location
- PCI Compliance
- Payment Links
- Point of Sale (POS)
- Real-Time Data
- Real-Time Reporting
- Reporting & Statistics
- Reporting/Analytics
- Transaction Monitoring
- Visual Analytics

### NMI Payments

- ACH Payment Processing
- API
- Billing & Invoicing
- Credit Card Management
- Customisable Branding
- Electronic Signature
- In-Person Payments
- Invoice Management
- Mobile Access
- Multi-Currency
- Multi-Location
- PCI Compliance
- Payment Links
- Point of Sale (POS)
- Real-Time Data
- Real-Time Reporting
- Reporting & Statistics
- Reporting/Analytics
- Transaction Monitoring
- Visual Analytics

## Links

- [View Stax Profile](https://www.capterra.co.nz/software/157492/fattmerchant-payments-online)
- [View NMI Payments Profile](https://www.capterra.co.nz/software/197203/nmi)
- [View Original Comparison](https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi)

-----

## Structured Data

<script type="application/ld+json">
  {"@context":"https://schema.org","@graph":[{"name":"Stax vs NMI Payments Comparison - Capterra New Zealand 2026","description":"Compare Stax vs NMI Payments to learn about each of the product's price, benefits and disadvantages. Choose the best software for your business in New Zealand.","url":"https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi","about":[{"@id":"https://www.capterra.co.nz/software/157492/fattmerchant-payments-online#software"},{"@id":"https://www.capterra.co.nz/software/197203/nmi#software"}],"breadcrumb":{"@id":"https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi#breadcrumblist"},"@id":"https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi#webpage","@type":["WebPage","CollectionPage"],"isPartOf":{"@id":"https://www.capterra.co.nz/#website"},"inLanguage":"en-NZ","publisher":{"@id":"https://www.capterra.co.nz/#organization"}},{"name":"Stax","description":"Stax is an all-in-one payment technology platform built for businesses that have outgrown flat-rate processors. With subscription-based pricing and 0% markup on direct-cost interchange, Stax saves businesses up to 40% on payment processing fees — no hidden costs, no percentage markups. \n\nThe platform includes Stax Pay for in-person, online, and mobile payment acceptance; Stax Bill for automated recurring billing and invoicing; CardX for compliant credit card surcharging; and Stax Connect, an embedded payments solution that enables SaaS companies and ISVs to integrate full-stack payment processing directly into their software. \n\nAs an end-to-end processor, Stax handles the entire transaction lifecycle in-house — from authorization to settlement — giving businesses and software platforms more control, better economics, and dedicated support. Over 30,000 businesses trust Stax to process more than $30 billion in payments.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductScreenshot/0e2372e7-cef4-4a64-80b7-26d841e6ec51.png","url":"https://www.capterra.co.nz/software/157492/fattmerchant-payments-online","@id":"https://www.capterra.co.nz/software/157492/fattmerchant-payments-online#software","@type":"SoftwareApplication","publisher":{"@id":"https://www.capterra.co.nz/#organization"},"applicationCategory":"BusinessApplication","aggregateRating":{"@type":"AggregateRating","ratingValue":4.0,"bestRating":5,"ratingCount":117},"offers":{"price":"99","@type":"Offer","priceCurrency":"USD"},"operatingSystem":"Cloud, Apple, Windows, Android, Platform ios, Platform ipad"},{"name":"NMI Payments","description":"NMI Payments is a purpose-built embedded payments platform for ISOs and SaaS companies that want to integrate, brand, and monetize payments without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI manages merchant onboarding, underwriting, risk, and compliance while giving partners full control of the customer experience. The modular, developer-friendly platform supports no-code, low-code, and API integrations with prebuilt SDKs and sandbox testing. Partners can set pricing, share in transaction revenue, and deliver fully white-labeled, omnichannel payments across in-store, online, mobile, and unattended environments. With flexible monetization, compliance built in, and rapid go-to-market tools, NMI Payments turns payments from a backend process into a scalable growth engine—helping platforms launch faster, increase revenue, and future-proof their business through embedded, brand-forward payments.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductScreenshot/da2171e1-2de9-4d8e-8510-752970080469.png","url":"https://www.capterra.co.nz/software/197203/nmi","@id":"https://www.capterra.co.nz/software/197203/nmi#software","@type":"SoftwareApplication","publisher":{"@id":"https://www.capterra.co.nz/#organization"},"applicationCategory":"BusinessApplication","aggregateRating":{"@type":"AggregateRating","ratingValue":4.6,"bestRating":5,"ratingCount":5},"operatingSystem":"Cloud, Windows"},{"@id":"https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi#breadcrumblist","@type":"BreadcrumbList","itemListElement":[{"name":"Home","position":1,"item":"/","@type":"ListItem"},{"name":"Billing and Invoicing Software","position":2,"item":"/directory/30015/billing-and-invoicing/software","@type":"ListItem"},{"name":"Stax vs NMI Payments","position":3,"item":"https://www.capterra.co.nz/compare/157492/197203/fattmerchant-payments-online/vs/nmi","@type":"ListItem"}]}]}
</script>