Shift4 Payments vs SpotOn Payment Processing
Shift4 Payments
shift4.comSpotOn Payment Processing
spoton.comSide by side
| Figure | Shift4 Payments | SpotOn Payment Processing |
|---|---|---|
| Price from | — | $25/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 0 | 8 |
| Spec score · Restaurant Payment Processing Software | 7.1 (#20) | 8.9 (#3) |
| Integrations | Shift4’s 2026 annual report says its Marketplace connects merchants with third-party applications for functions including ordering, payroll, timekeeping, loyalty, and inventory management. | 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 API supports alternative payment methods including PayPal, WeChat Pay, and Alipay. | The payment service accepts cards, Apple Pay, Google Pay and cash, with virtual-terminal and invoicing options. |
| Security | Shift4-hosted checkout and payment components capture card data without bringing card numbers into the merchant’s systems; the documentation lists SAQ A as the typical PCI questionnaire for both. | SpotOn says payment data is protected under PCI-DSS and card fields use SSL encryption. |
| What it does | Shift4 provides software and payment processing solutions for businesses, including omnichannel payment processing. | 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
Shift4 Payments
Shift4 Payments has no write-up on Specifiction yet; its figures are above.
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.