Processor fees and pricing

Payment Depot Pricing and Fees: From Membership to Markup

Payment Depot built its name on published membership pricing with no markup on interchange. Under Stax, that price list is gone, replaced by account-by-account quotes. Here is what it used to cost, what it costs now, and how to check your own number.

Written by Robert Day, Founder and Managing Partner of weAudit.com, previously an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. Published October 2026.

What to know: Payment Depot scores 49 out of 100

49/100

Payment Depot’s score on the weAudit Processor Scoreboard. Stax acquired it in 2021.

Published pricing is gone. Quotes are now set account by account.
Markups up to 1.95%. Interchange-plus, but with a markup that can push the total above 4%.
The reviews followed the price. About 2.3 out of 5 on Trustpilot across more than 1,200 reviews.

Read the full Payment Depot rating

Then and now

	Membership era	Today
Monthly fee	$79, $99 or $199	None
Markup on interchange	0%	Reported 0.2% to 1.95%
Per transaction	15, 10 or 7 cents	Quoted
PCI	Varied	$10 a month
Published	Yes	No

Sources: Payment Depot’s former published plans and current pricing as reported by independent reviewers including NerdWallet and Merchant Maverick. Your agreement shows what applies to you.

What a 1.95% markup really costs

On $30,000 a month in card sales, interchange at about 2% plus a 0.2% markup is roughly $660. The same sales at a 1.95% markup are roughly $1,185, about $6,300 more a year, on what is still called interchange-plus. The structure is fine; the number is what matters. See what a fair interchange-plus markup looks like and run your own numbers with the fee calculator.

Same owner, different price. Stax, which owns Payment Depot, sells a monthly subscription with no percentage markup. See Stax fees and our Stax rating.

Common questions

What does Payment Depot charge?

Payment Depot now quotes interchange-plus pricing account by account, with a markup that reviewers report ranges from 0.2% to 1.95% above interchange, plus a $10 monthly PCI fee and no monthly subscription. It no longer publishes standard rates.

What were Payment Depot’s membership plans?

Before Stax acquired it, Payment Depot published membership plans of about $79, $99 or $199 a month with 15, 10 or 7 cents per transaction and no percentage markup on interchange.

Is a 1.95% markup a good rate?

No. Added to interchange, a 1.95% markup can put a merchant’s total cost above 4%, worse than most flat-rate processors. Interchange-plus only helps when the markup is small.

Does Payment Depot charge a cancellation fee?

Payment Depot has long marketed no long-term contract and no cancellation fee. Check your agreement, and check your statements after you cancel.

Is Payment Depot the same price as Stax?

No. Stax, which owns Payment Depot, charges a monthly subscription with no percentage markup. Payment Depot now quotes a percentage markup.

How does weAudit rate Payment Depot?

Payment Depot scores 49 out of 100 on the weAudit Processor Scoreboard.

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weAudit is not affiliated with Payment Depot or Stax. Payment Depot is a name of its owner.