Comparison

Stax Pay vs Zulio

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Stax Pay

This comprehensive payment processing toolset offers on-the-go business insights, cash flow management, and the ability to accept various payment types. It streamlines operations by allowing users to process refunds, send invoices, and manage customer data securely.

Highlights
  • Accept Visa, MasterCard, Discover, and American Express
  • Process refunds and accept tips
  • Send invoices and manage customer data
  • Securely store payment methods
  • Email receipts to multiple recipients
  • PCI-Compliant tokenization
Features
Read full description

Stax by Fattmerchant provides a flexible, scalable, all-in-one payments toolset so that you can move faster, think smarter, and make better decisions. The Stax Pay mobile app gives you powerful insights on-the-go, enabling you to spot trends, manage cash flow, and improve business performance wherever you happen to be. And, of course, you or your team can accept payments, process refunds, invoice customers, and much more all without having to download a separate app. With Stax Pay you can: - Swipe EMV chip cards with our optional bluetooth Stax mobile reader - Accept Visa, MasterCard, Discover, and American Express - Accept tips, apply discounts, and issue refunds - Key-in, swipe, dip, or photo capture card details - Email receipts to multiple customers and internal staff - Securely store payment methods for future transactions - Automatically sync payments and data to the Stax platform - Receive deposits to your bank account automatically on the next business day - Manage customers in real-time and send invoices, update contact information, and add new payment methods - Stay protected from liability with PCI-Compliant tokenization technology for managing credit card information The Stax Pay mobile app is all you need to run and grow your business, wherever you happen to be. We hope you’ll give it a try!

About

Zulio

Empower your business to accept card payments without incurring additional costs. This app allows you to automatically include credit card fees in your pricing and offer cash discounts. Enjoy no processing fees, simple reporting, and dedicated customer support.

Highlights
  • Accept card payments
  • No processing fees
  • Auto-calculate fees
  • Offer cash discounts
  • Send invoices
  • Clean reporting
  • Personal customer support
Features
Read full description

Give customers choice in how they pay without increasing your costs. Accepting card payments using traditional processors with high fees, and complicated PCI requirements can feel unfair. You shouldn't have to pay another “gross income tax” to get paid for the work you do. Auto calculate and include the credit card fee in your regular price and offer discount for paying with cash. No Processing Fees Accept Payments Send Invoices Personal Customer Support No Annual PCI Requirements Clean reporting. Keep 100% of everything that hits your account.

Screenshots

Stax Pay4 screens
Zulio4 screens

Verdict

The call

The clearest difference is rating: Zulio at 3.8 against Stax Pay's 2.1. Zulio also leads on review sentiment (50% vs 36%) and iOS requirement (15.4 vs 17.6). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Zulio holds the better App Store score, 3.8 against 2.1. Both are backed by a comparable volume of ratings — 27 and 11 respectively. Written reviews point the same way: 36% of Stax Pay's written reviews are positive against 50% of Zulio's.

UpkeepUpdate frequency

Stax Pay ships an update monthly, Zulio every 3 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
Stax Pay versus Zulio: the parameters behind the verdict, then further details
ParameterStax PayZulio
PriceFreeFree
Rating2.1 (27 ratings)3.8 (11 ratings) — better
Positive reviews36.4% of reviews50.0% of reviews — better
Number of ratings27 — better11
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.615.4 — better
Further details — not scored
Size232 MB62 MB
Age rating4+4+
DeveloperFattmerchant Inc.Provident Payments Central LLC

Customer experience

Stax Pay

All ratings27 ratings
Positive22.2%
Neutral0.0%
Negative77.8%
Written reviews22 reviews
Positive36.4%
Neutral0.0%
Negative63.6%

Zulio

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Stax Pay

No in-app purchases

None

Zulio

No in-app purchases

Questions

Is Stax Pay free?
Stax Pay is free to download, with no in-app purchases.
Is Zulio free?
Zulio is free to download, with no in-app purchases.
Which has better reviews, Stax Pay or Zulio?
Zulio is rated higher. Stax Pay averages 2.1 out of 5 from 27 ratings, while Zulio averages 3.8 from 11 ratings.
Do Stax Pay or Zulio have ads?
Neither Stax Pay nor Zulio shows ads.
Which is updated more often, Stax Pay or Zulio?
Stax Pay ships an update monthly, and Zulio every 3 weeks. Most recently, Stax Pay was updated on October 29, 2026 and Zulio on October 24, 2026.

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