Who This Comparison Is For
Payment Depot's pricing page lists 0% markup on interchange, per-transaction fees, and subscriptions. If you have outgrown flat-rate pricing, that structure is worth comparing against traditional interchange-plus.
Stax's company history says it acquired Payment Depot in 2021, describing it as a company with similar offerings and a subscription-based pricing model. Payment Depot still has its own site, pricing page, and support line.
This comparison covers Payment Depot's published pricing, how to compare it against GoPayhawk, and what to ask before signing.
How Payment Depot's Pricing Actually Works
As of November 2, 2026, Payment Depot's pricing page lists:
- Variable rates: as low as 0.2% to 1.95%, with 0% markup on interchange
- Per transaction: 8¢ card present, 15¢ card not present
- Subscription price: check current pricing, since the page doesn't list one
Because that page doesn't list a subscription price, we can't give a total monthly cost. Ask Payment Depot for the price, then add it to the rows below.
How to Compare the Costs
Same assumptions throughout: $75 average ticket, 70% credit / 30% debit, blended interchange ~1.34%. Payment Depot's column uses the 8¢ card-present fee from its pricing page. GoPayhawk figures are an example, not a quoted rate: they assume a 0.25% margin plus $0.10 per transaction. Your actual margin varies and is quoted individually.
| Monthly Volume | Payment Depot (subscription + IC + 8¢) | GoPayhawk IC+ (example: 0.25% + $0.10) |
|---|---|---|
| $10,000/month | Subscription + $134 + $11 | $134 + $25 + $13 = ~$172 |
| $20,000/month | Subscription + $268 + $21 | $268 + $50 + $27 = ~$345 |
| $30,000/month | Subscription + $402 + $32 | $402 + $75 + $40 = ~$517 |
| $40,000/month | Subscription + $536 + $43 | $536 + $100 + $53 = ~$689 |
| $50,000/month | Subscription + $670 + $53 | $670 + $125 + $67 = ~$862 |
| $75,000/month | Subscription + $1,005 + $80 | $1,005 + $188 + $100 = ~$1,293 |
Finding your break-even: In these rows, each $10,000 of monthly volume costs about $28 more on the GoPayhawk example than on interchange plus 8¢. Divide the monthly subscription you're quoted by $28, then multiply by $10,000 to estimate where the two sides meet.
Note that these calculations assume a $75 average ticket. With a larger average ticket, the example percentage margin grows on each sale while the per-transaction fee stays the same, so the break-even moves lower. With a smaller average ticket, it moves higher.
Account Type and Stability
Ask Payment Depot how your merchant account is set up and underwritten. GoPayhawk provides a dedicated merchant account underwritten to your business.
Since Stax acquired Payment Depot, it's fair to ask Payment Depot directly how that affects your account and what would change if the brands ever combined.
Contract Terms
Payment Depot's pricing page says "No cancellation fees." Check its current terms before signing. GoPayhawk processing operates month-to-month with no cancellation fee or early termination fee. Equipment leases, if chosen, have their own terms shown before you sign.
Support Comparison
| Support Type | Payment Depot | GoPayhawk |
|---|---|---|
| Phone support | Yes (Mon to Fri, 9 AM to 6 PM ET) | Yes (dedicated rep) |
| Dedicated account rep | Varies | Yes (every merchant) |
| Online portal | Varies | Yes |
| Hands-on onboarding | Varies | Yes |
| Support team | In-house support listed | Yes (Roswell, GA) |
Pricing Model Availability
| Model | Payment Depot | GoPayhawk |
|---|---|---|
| Subscription IC+ (no % markup) | Yes (0% markup on interchange, per its pricing page) | N/A (GoPayhawk uses traditional IC+) |
| Traditional Interchange Plus | Check current pricing | Yes |
| Flat Rate | Check current pricing | Yes |
| Surcharging | Check current pricing | Yes |
| Cash Discounting | Check current pricing | Yes |
| Dual Pricing | Check current pricing | Yes |
The Honest Verdict
Payment Depot is better if...
- You process enough volume that a subscription costs less than a percentage margin
- You have a higher average ticket that benefits from 0% markup on interchange
- You are comfortable with Payment Depot being part of Stax
- You want the subscription model structure over traditional IC+
- You have confirmed its current programs cover what you need
GoPayhawk is better if...
- You want no monthly subscription fee
- You want cash discounting, surcharging, or dual pricing
- You want a dedicated account rep
- You want month-to-month processing
- Your volume is low enough that a percentage margin costs less than a monthly fee
Frequently Asked Questions
Payment Depot is a payment processor, and Stax's company history says Stax acquired it in 2021. Its pricing page lists 0% markup on interchange, per-transaction fees, and subscriptions. Payment Depot still has its own site and support line.
As of November 2, 2026, Payment Depot's pricing page doesn't list a subscription price or plan names. It lists variable rates as low as 0.2% to 1.95%, 8¢ per card-present transaction, and 15¢ per card-not-present transaction. Check current pricing at paymentdepot.com.
It depends on the subscription price you're quoted. Using this page's example assumptions, each $10,000 of monthly volume costs about $28 more on the GoPayhawk example than on interchange plus 8¢, so divide the subscription by $28 and multiply by $10,000 to estimate the break-even. At higher average tickets, the break-even shifts lower. Use the interchange vs. flat rate calculator to model your specific scenario.
Stax's company history describes Payment Depot as a company with similar offerings and a subscription-based pricing model, and both pricing pages list 0% markup on interchange with the same 8¢ and 15¢ per-transaction fees. See also the GoPayhawk vs. Stax comparison for the subscription math.
Check current pricing at paymentdepot.com. GoPayhawk offers cash discounting, surcharging, and dual pricing.
Ask Payment Depot how your account is set up and underwritten. GoPayhawk provides a dedicated merchant account underwritten to your business.
Stax's company history says it acquired Payment Depot in 2021, and Payment Depot still has its own site and support line. Ask Payment Depot directly about its roadmap and what would happen to your account if the brands ever combined. GoPayhawk is an Elavon Payments MSP & Registered MSP/ISO of Elavon, Inc. Georgia, [a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN].
It depends on the subscription price you're quoted, since a monthly fee weighs more at lower volumes. Get the price first, then use the interchange vs. flat rate calculator to model your specific volume.
