SpotOn Payment Processing vs Viva.com
SpotOn Payment Processing
spoton.comViva.com
viva.comSide by side
| Figure | SpotOn Payment Processing | Viva.com |
|---|---|---|
| Price from | $25/mo | £3.99/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 8 | 8 |
| Spec score · Restaurant Payment Processing Software | 8.9 (#3) | 8.6 (#5) |
| 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. | Viva provides e-commerce plugins for Shopify, WooCommerce, PrestaShop, OpenCart, Magento, and Shopware 6. |
| License | Merchant terms describe SpotOn software as proprietary technology licensed for internal use, with ownership retained by SpotOn or its licensors. | The end-user agreement governs use of Viva.com applications and services under contractual license terms rather than an open-source license. |
| Payment methods | The payment service accepts cards, Apple Pay, Google Pay and cash, with virtual-terminal and invoicing options. | The in-person product advertises support for more than 40 payment methods, including major cards and digital wallets. |
| Public APIs | Centralized APIs support OAuth partner authorization, menu reads, order writes, reporting reads, loyalty operations and webhooks for menu, availability and order cancellations. | The developer portal documents Standard Payment, ISV Payment, Cloud Terminal and Local Terminal APIs. |
| Rating on Capterra | 4.2 out of 5 from 371 reviews | 3.0 out of 5 from 1 review for viva.com Smart Checkout |
| Rating on G2 | 4.4 out of 5 from 246 reviews | 3.8 out of 5 from 2 reviews |
| Rating on GetApp | 4.2 out of 5 from 371 reviews | 4.0 out of 5 from 7 reviews |
| Rating on Software Advice | 4.2 out of 5 from 371 reviews | 4.5 out of 5 from 6 reviews |
| Rating on Trustpilot | 4.5 out of 5 from 623 reviews | 4 out of 5 from about 2,000 reviews |
| Security | SpotOn says payment data is protected under PCI-DSS and card fields use SSL encryption. | Viva.com says it is a PCI DSS Level 1 Service Provider and protects data in transit and at rest in its cloud infrastructure. |
| What it does | SpotOn provides cloud restaurant and small-business POS, integrated payment processing, online ordering, reservations, labor tools, marketing, loyalty and reporting. | Viva.com provides business payment acceptance, accounts, card issuing and financing across European markets. |
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
Viva.com
- ZeroFree
- Default£3.99 a month
- Omnichannel Default£3.99 a month
- Omnichannel Standard£10.99 a month
- Standard£10.99 a month
- Omnichannel Premium£15.99 a month
- Premium£15.99 a month
- Omnichannel ZeroPrice not published
In their own words
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.
Viva.com
Viva.com is a business payments and financial-services platform covering in-person, online, remote and marketplace transactions. Its Terminal app turns supported Android and iOS devices into contactless payment points. Smart Checkout handles more than 40 payment methods, including cards, digital wallets, local methods and direct debit, with saved cards, multicurrency payments and decline recovery. Businesses without an online store can request payment by email, use a virtual terminal or share Quick Pay links. Plugins are available for Shopify, WooCommerce, PrestaShop, OpenCart, Magento and Shopware 6. The developer portal documents Basic Auth, OAuth 2.0, testing environments, responses and error debugging. Viva.com lists recurring and marketplace payments, eight supported currencies and payment acceptance in 30 countries. It offers Android, iOS, web and API access. UK plans start at £3.99/mo, with Omnichannel Default, Standard and Premium plans providing different limits for terminals, websites, transfers and users. The service lists PCI DSS Level 1 status, SCA/3DS support and machine-learning fraud protection.