PayFacto vs SpotOn Payment Processing
PayFacto
payfacto.comSpotOn Payment Processing
spoton.comSide by side
| Figure | PayFacto | 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 | 1 | 8 |
| Spec score · Restaurant Payment Processing Software | 7.3 (#14) | 8.9 (#3) |
| Headquarters | Montreal, Canada | San Francisco, California, United States |
| Integrations | PayFacto lists integrations including COBA, Freebees, Hopem, NMI, Hotello, Paymentree, and PrestaShop. | 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 | Its integrated gateway page lists Interac, Visa, Mastercard, Amex, and Discover transactions. | The payment service accepts cards, Apple Pay, Google Pay and cash, with virtual-terminal and invoicing options. |
| Security | PayFacto describes encryption and fraud prevention tools for e-commerce payments and offers 3D Secure for online transactions. | SpotOn says payment data is protected under PCI-DSS and card fields use SSL encryption. |
| What it does | PayFacto provides payment processing and payment solutions for merchants, ISVs, ISOs, agents, and payment facilitators. | 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
PayFacto
PayFacto provides payment processing and payment solutions for merchants, ISVs, ISOs, agents and payment facilitators. Its offerings cover card-present, online, mobile and tableside payments, as well as restaurant POS products Maitre’D and Veloce for managing restaurant operations. For in-person transactions, it offers countertop, mobile and unattended terminals, including PAX models. Online options include a hosted payment page and an integrated gateway for sales, pre-authorizations, refunds, voids and recurring billing. The gateway lists Interac, Visa, Mastercard, Amex and Discover transactions. PayFacto describes encryption and fraud prevention for e-commerce payments and offers 3D Secure for online transactions. Its hosted payment page keeps card information on PayFacto’s servers and is described as reducing PCI compliance requirements. Open APIs and connectors support integration with existing business systems and software. The company lists integrations including COBA, Freebees, Hopem, NMI, Hotello, Paymentree and PrestaShop. PayFacto is headquartered in Montreal, Canada. Pricing is customized and available by contacting sales for a quote.
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.