SpotOn Payment Processing
spoton.com
What it is
SpotOn Payment Processing combines payment processing with point-of-sale tools for card-present, online, tableside, and mobile payments. Its listed capabilities include reconciliation, ordering, table layouts, menu management, and reporting, and the service runs on Android, iOS, and the web. The All-In Plan is $0.00 per free and includes POS software and hardware, ordering, payments, table layouts, menu management, reporting, and 24/7 support. Processing minimums apply, and the plan requires a minimum two-year term. POS Essentials costs $55.00 per month, offers month-to-month flexibility, and includes lower processing fees, financing options, and 24/7 support; implementation costs may apply. Build Your Own has no listed price and offers custom processing rates and a custom software bundle for multi-unit, enterprise, and high-volume operations, with 24/7 support. SpotOn was founded in 2017 and is headquartered in San Francisco, California.
Spec sheet
- What it does
- SpotOn provides cloud restaurant and small-business POS, integrated payment processing, online ordering, reservations, labor tools, marketing, loyalty and reporting.Read 15 Oct 2026 · spoton.com
- Integrations
- Preferred integrations cover ordering, delivery, AI phone ordering, labor, inventory, KDS, kiosks, reservations, accounting and payroll, including DoorDash, Uber Eats, 7shifts, MarginEdge, OpenTable, Shogo and DAVO.Read 15 Oct 2026 · spoton.com
- Security
- SpotOn says payment data is protected under PCI-DSS and card fields use SSL encryption.Read 15 Oct 2026 · spoton.com
- License
- Merchant terms describe SpotOn software as proprietary technology licensed for internal use, with ownership retained by SpotOn or its licensors.Read 15 Oct 2026 · spoton.com
- Headquarters
- San Francisco, California, United StatesRead 23 Sep 2026 · spoton.com
- Founded
- 2017Read 23 Sep 2026 · spoton.com
- API authentication
- Enterprise APIs use private keys and bearer tokens that generally live for about 15 minutes, with documented ranges from 5 minutes to one hour.Read 15 Oct 2026 · developers.spoton.com
- API rate limits
- The Central API documentation lists limits of 50 requests per second and 1,500 requests per minute, returning HTTP 429 when exceeded.Read 15 Oct 2026 · developers.spoton.com
- Company founding and headquarters
- SpotOn was co-founded in 2017 and is headquartered in San Francisco, California.Read 15 Oct 2026 · crunchbase.com
- Company legal name
- Crunchbase identifies the company as SpotOn Transact, Inc., while Google Play identifies Spoton Transact, LLC as the developer.Read 15 Oct 2026 · crunchbase.com
- Company size
- LinkedIn lists SpotOn as privately held with 1,001–5,000 employees.Read 15 Oct 2026 · linkedin.com
- Documentation and support
- SpotOn publishes tutorials and workshops, and advertises 24/7 support through phone and email.Read 15 Oct 2026 · spoton.com
- Funding news
- A May 18, 2022 announcement reported a $300 million Series F led by Dragoneer at a $3.6 billion valuation.Read 15 Oct 2026 · businesswire.com
- Handheld payments
- The handheld device supports contactless, insert and swipe payments including Apple Pay and Google Pay, and is designed for a full shift.Read 15 Oct 2026 · spoton.com
- Limit: billing complaints
- BBB complaints include continued maintenance charges after cancellation, disputed fees and equipment charges described as inconsistent with sales promises.Read 15 Oct 2026 · bbb.org
- Limit: developer access
- A Software Advice reviewer reported waiting 26 days for API onboarding and receiving no self-service portal or sandbox.Read 15 Oct 2026 · softwareadvice.com
- Limit: outages
- IsDown records 2026 incidents involving dashboard or payment degradation, funding delays, reporting delays, DoorDash integration and online-order modifiers.Read 15 Oct 2026 · isdown.app
- Limit: support delays
- Reviews mention slow weekend or phone support, repeated follow-ups and difficulty getting technical issues resolved quickly.Read 15 Oct 2026 · getapp.com
- Limit: technical reliability
- Reviewers report hardware or handheld glitches, freezes, connectivity problems, crashes and occasional payment or reporting outages.Read 15 Oct 2026 · softwareadvice.com
- OAuth tokens
- The OAuth guide specifies one-hour user authorization tokens and 24-hour service credentials, with scoped access to authorized locations.Read 15 Oct 2026 · developers.spoton.com
- Offline operation
- SpotOn says automatic offline mode keeps stations, KDS devices, handhelds, printers and kiosks operating and synchronizes payments after reconnection.Read 15 Oct 2026 · spoton.com
- Open API policy
- SpotOn states that it does not offer an open API and instead approves handpicked integration partners through an intake process.Read 15 Oct 2026 · spoton.com
- Order API limitation
- The Orders API currently accepts only fully paid orders; SpotOn payment-card orders require a transaction identifier from a private payments API.Read 15 Oct 2026 · developers.spoton.com
- Payment methods
- The payment service accepts cards, Apple Pay, Google Pay and cash, with virtual-terminal and invoicing options.Read 15 Oct 2026 · spoton.com
- PCI responsibility
- SpotOn uses SecureTrust by Viking Cloud for PCI tools and monitoring, but merchants remain responsible for annual questionnaires, scans and their own compliance.Read 15 Oct 2026 · spotonteam.atlassian.net
- Praise: integrated operations
- Independent reviewers commonly value the combination of POS, ordering, marketing, payments, loyalty and multi-location reporting.Read 15 Oct 2026 · capterra.com
- Praise: support and usability
- G2, Capterra, GetApp and Software Advice reviewers repeatedly praise responsive support, intuitive interfaces, easy staff training and useful reporting.Read 15 Oct 2026 · g2.com
- Product news
- A September 25, 2026 update announced Fresh KDS workflow changes, fee-free instant tips, Teamwork deactivation sync, unified reviews and native gift-card reporting.Read 15 Oct 2026 · updates.spoton.com
- Public APIs
- Centralized APIs support OAuth partner authorization, menu reads, order writes, reporting reads, loyalty operations and webhooks for menu, availability and order cancellations.Read 15 Oct 2026 · developers.spoton.com
- Rapid funding
- Rapid Fund can deposit funds within 30 minutes for a 0.2% deposit fee, while morning ACH funding has no extra fee.Read 15 Oct 2026 · spoton.com
- Rating on Apple App Store GoTo Place
- 4.9 out of 5 from 259 ratingsRead 15 Oct 2026 · apps.apple.com
- Rating on Apple App Store Restaurant Reports
- 3.4 out of 5 from 17 ratingsRead 15 Oct 2026 · apps.apple.com
- Rating on Capterra
- 4.2 out of 5 from 371 reviewsRead 15 Oct 2026 · capterra.com
- Rating on G2
- 4.4 out of 5 from 246 reviewsRead 15 Oct 2026 · g2.com
- Rating on GetApp
- 4.2 out of 5 from 371 reviewsRead 15 Oct 2026 · getapp.com
- Rating on Google Play SpotOn Payments
- 4.0 out of 5 from 55 reviewsRead 15 Oct 2026 · play.google.com
- Rating on Software Advice
- 4.2 out of 5 from 371 reviewsRead 15 Oct 2026 · softwareadvice.com
- Rating on Trustpilot
- 4.5 out of 5 from 623 reviewsRead 15 Oct 2026 · trustpilot.com
- Restaurant POS features
- The restaurant POS includes table layouts, modifiers, order and check management, reporting, employee tools and multi-location controls.Read 15 Oct 2026 · spoton.com
Plans and prices
All-In Plan Free Processing minimums apply; minimum 2-year term. POS software and hardware included · Ordering, payments, table layouts, menu management, and reporting · 24/7 support included Read 20 Sep 2026 · spoton.com
POS Essentials $55 a month $55/station per month Station 15 $750 sale price · handheld $297 sale price · implementation costs · card-present 2.45% + $0.15 · Amex 3.19% + $0.15 · keyed 3.45% + $0.15 · month-to-month Read 15 Oct 2026 · spoton.com
Build Your Own Priced on request Custom pricing Custom processing rates · hardware and implementation costs · tailored software bundle Read 15 Oct 2026 · spoton.com
All-In Plan Free $0/station per month Card-present 2.79% + $0.20 · keyed 3.79% + $0.20 · processing minimum · 2-year minimum term · hardware/software included Read 15 Oct 2026 · spoton.com
Quick Start Free $0 GetApp listing describes a free starting option Read 15 Oct 2026 · getapp.com
Terminal $25 a month $25/month plus $240 hardware 2.45% + $0.15 card-present · Amex 3.19% + $0.15 · 3.45% + $0.15 keyed · offline mode · virtual terminal and invoicing Read 15 Oct 2026 · spoton.com
Core Bundle $50 a month $50/month + 20bps of GPV capped at $200/location Profit Assist · SpotOn Order · GoTo Place app · Marketing Assist · software integrations Read 15 Oct 2026 · spoton.com
Terminal + Loyalty $90 a month $90/month plus $240 hardware 2.45% + $0.15 card-present · Amex 3.19% + $0.15 · 3.45% + $0.15 keyed · offline mode · integrated loyalty Read 15 Oct 2026 · spoton.com
Strong points and limits
Strong points
- Accepts card-present, online, tableside, and mobile payments
- Includes reconciliation tools
- All-In includes POS software and hardware
- 24/7 support is included with listed plans
Limits
- All-In has processing minimums
- All-In requires a minimum two-year term
- Implementation costs may apply to POS Essentials
Who it suits
SpotOn suits businesses that take payments in person, online, tableside, or on mobile devices and want listed POS tools such as ordering and reporting. Multi-unit, enterprise, and high-volume operations can consider its custom Build Your Own option.
Verdict
SpotOn offers payment processing alongside POS software and operational tools, with listed free and monthly options. Compare the All-In term and processing minimums with POS Essentials’ monthly flexibility and possible implementation costs.
Where Specifiction places it
- Restaurant Payment Processing Software#3 of 268.9
