Adyen vs SpotOn Payment Processing
Adyen
adyen.comSpotOn Payment Processing
spoton.comSide by side
| Figure | Adyen | SpotOn Payment Processing |
|---|---|---|
| Price from | — | $25/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 8 |
| Spec score · Restaurant Payment Processing Software | 9.0 (#2) | 8.9 (#3) |
| Founded | 2006 | 2017 |
| Headquarters | Amsterdam, Netherlands | San Francisco, California, United States |
| Integrations | Adyen provides a Shopify payments-app integration that requires Shopify Checkout Extensibility. | 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. |
| Payment methods | The online-payments product supports more than 200 payment methods through one integration. | The payment service accepts cards, Apple Pay, Google Pay and cash, with virtual-terminal and invoicing options. |
| PCI responsibility | Adyen says encrypted integrations can reduce a business’s PCI DSS scope, but do not eliminate the merchant’s PCI responsibilities. | SpotOn uses SecureTrust by Viking Cloud for PCI tools and monitoring, but merchants remain responsible for annual questionnaires, scans and their own compliance. |
| Rating on G2 | 4.0 out of 5 from 44 reviews | 4.4 out of 5 from 246 reviews |
| Rating on Software Advice | 4.6 out of 5 from 31 reviews | 4.2 out of 5 from 371 reviews |
| Rating on Trustpilot | 1.3 out of 5 from 446 reviews | 4.5 out of 5 from 623 reviews |
| Security | Adyen’s help page states that it is PCI DSS v4.0 Level 1 compliant and undergoes an annual external audit by a Qualified Security Assessor. | SpotOn says payment data is protected under PCI-DSS and card fields use SSL encryption. |
| What it does | Adyen provides one payment platform for accepting, optimizing and settling online payments through a single integration. | SpotOn provides cloud restaurant and small-business POS, integrated payment processing, online ordering, reservations, labor tools, marketing, loyalty and reporting. |
Plans
SpotOn Payment Processing
- All-In PlanFree
- POS Essentials$55 a month
- Build Your OwnPriced on request
- All-In PlanFree
- Quick StartFree
- Terminal$25 a month
- Core Bundle$50 a month
- Terminal + Loyalty$90 a month
In their own words
Adyen
Adyen is an online payments platform for businesses that accept, optimize, and settle payments through one integration. It offers access to more than 200 payment methods and supports 136 currencies. Businesses can use ready-made Drop-in checkout components or create a custom flow with the API. Adyen describes AI tools for checkout personalization, authentication, fraud protection, tokenization, and payment cost optimization. Local acquiring through local licenses is presented as a way to improve authorization rates and lower costs. The platform supports recurring and marketplace payments, with payouts in 36 countries. Listed integrations include Adobe Commerce, Salesforce Commerce Cloud, NetSuite, Shopify, and Microsoft Dynamics 365. It is available through web, Android, iOS, and API. Pricing is transaction-based, with no setup or monthly fees and a fixed processing fee plus a payment-method fee for each transaction. The stated starting price is $0.13. Adyen describes its platform as built for global businesses and enterprise payment volume.
SpotOn Payment Processing
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.