Paybyrd vs SpotOn Payment Processing
Paybyrd
paybyrd.comSpotOn Payment Processing
spoton.comSide by side
| Figure | Paybyrd | SpotOn Payment Processing |
|---|---|---|
| Price from | Free | $25/mo |
| Free plan | Yes | 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 | 7.9 (#9) | 8.9 (#3) |
| Headquarters | Amsterdam, Netherlands | San Francisco, California, United States |
| Integrations | Listed integrations include WooCommerce, Magento, Shopify, PrestaShop, SAP, Oracle and Host PMS, alongside REST API and webhooks. | 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 platform supports more than 20 payment methods, 192+ currencies and 40+ countries. | The payment service accepts cards, Apple Pay, Google Pay and cash, with virtual-terminal and invoicing options. |
| Security | Paybyrd states that it is PCI DSS Level 1 certified and includes 3-D Secure 2.x in remote card flows. | SpotOn says payment data is protected under PCI-DSS and card fields use SSL encryption. |
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
Paybyrd
Paybyrd provides a payment platform for online checkout, in-person POS, and payment links. It supports more than 20 payment methods, 192+ currencies, and 40+ countries. Checkout can be hosted or white-label, and POS terminals are listed from €11/mo. Paybyrd says its multi-acquirer routing directs transactions to an acquirer likely to approve them. Integrations include WooCommerce, Magento, Shopify, PrestaShop, SAP, Oracle, and Host PMS. Developers can use a REST API, SDKs, pre-built plugins, webhooks, and a free sandbox. Paybyrd states that it is PCI DSS Level 1 certified and includes 3-D Secure 2.x in remote card flows. Its security page says ISO/IEC 27001 certification is in progress and the SOC 2 Type II report is in preparation. The Essential plan has no monthly fee and charges per online card transaction, with a rate that drops to 0.99% at €80K monthly volume. Pricing fees are in EUR excluding applicable taxes. Paybyrd presents solutions for airlines, retail, hospitality, restaurants, marketplaces, and transport businesses.
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.