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SpotOn Payments

SpotOn Payments pricing

Rates and fees for SpotOn Payments, each with its source and the date we checked it. What your customers pay is shown apart.

Plans

Plans
PlanPriceBilled perNotes
All-In$0/monthSpotOn (opens in a new tab) · Vendor website · devicePer station. Includes the hardware; 2-year minimum term and a monthly processing minimum.
POS Essentials$55/monthSpotOn (opens in a new tab) · Vendor website · devicePer station; the software is month to month and you buy the hardware. Card processing runs under the processing agreement (3 years, with an Account Closure Fee).

Card rates and fees

Card rates and fees
FeeAmountApplies to
In-person card rate (POS Essentials)2.45%SpotOn (opens in a new tab) · Vendor website · per transaction · In person · Only on the POS Essentials plan
In-person fee per transaction (POS Essentials)15¢SpotOn (opens in a new tab) · Vendor website · per transaction · In person · Only on the POS Essentials plan
American Express in person (POS Essentials)3.19%SpotOn (opens in a new tab) · Vendor website · per transaction · In person · Only on the POS Essentials plan · American Express
American Express fee per transaction (POS Essentials)15¢SpotOn (opens in a new tab) · Vendor website · SpotOn's pricing page and FAQ say 15¢; the plan card on its payments page says 25¢. We use the pricing page.per transaction · In person · Only on the POS Essentials plan · American Express
Keyed-in and online rate (POS Essentials)3.45%SpotOn (opens in a new tab) · Vendor website · per transaction · Card not present · Only on the POS Essentials plan
Keyed-in and online fee per transaction (POS Essentials)15¢SpotOn (opens in a new tab) · Vendor website · per transaction · Card not present · Only on the POS Essentials plan
In-person card rate (All-In)2.79%SpotOn (opens in a new tab) · Vendor website · per transaction · In person · Only on the All-In plan
In-person fee per transaction (All-In)20¢SpotOn (opens in a new tab) · Vendor website · per transaction · In person · Only on the All-In plan
American Express in person (All-In)3.19%SpotOn (opens in a new tab) · Vendor website · per transaction · In person · Only on the All-In plan · American Express
American Express fee per transaction (All-In)25¢SpotOn (opens in a new tab) · Vendor website · per transaction · In person · Only on the All-In plan · American Express
Keyed-in and online rate (All-In)3.79%SpotOn (opens in a new tab) · Vendor website · per transaction · Card not present · Only on the All-In plan
Keyed-in and online fee per transaction (All-In)20¢SpotOn (opens in a new tab) · Vendor website · per transaction · Card not present · Only on the All-In plan
Rapid Fund (instant deposit)0.2%SpotOn (opens in a new tab) · Vendor website · of each instant payout
PCI compliance feeQuote onlySpotOn (TSYS processing terms) (opens in a new tab) · Contract or terms · SpotOn doesn't publish its processing fees beyond the card rates: they are in your Merchant Application and Fee Summary.per account
Statement feeQuote onlySpotOn (TSYS processing terms) (opens in a new tab) · Contract or terms · SpotOn doesn't publish its processing fees beyond the card rates: they are in your Merchant Application and Fee Summary.per account
Annual feeQuote onlySpotOn (TSYS processing terms) (opens in a new tab) · Contract or terms · SpotOn doesn't publish its processing fees beyond the card rates: they are in your Merchant Application and Fee Summary.per account
Fee per settlement batchQuote onlySpotOn (TSYS processing terms) (opens in a new tab) · Contract or terms · SpotOn doesn't publish its processing fees beyond the card rates: they are in your Merchant Application and Fee Summary.per settlement batch
PCI non-compliance feeQuote onlySpotOn (TSYS processing terms) (opens in a new tab) · Contract or terms · per accountOnly if you don't complete your PCI compliance.
Monthly processing minimum (All-In)Quote onlySpotOn (opens in a new tab) · Vendor website · per accountOnly on All-In, when your processing fees in the month are below the minimum.
Chargeback feeQuote onlySpotOn (TSYS processing terms) (opens in a new tab) · Contract or terms · per accountEach time a customer disputes a charge.
Account Closure Fee (processing agreement)Quote onlySpotOn (TSYS processing terms) (opens in a new tab) · Contract or terms · per accountOnly if you end the processing agreement before its term.

Paid by your customers

With this program your customers pay the card cost on the cards it covers, so those cost your restaurant $0 in our estimate. A surcharge only covers credit cards: your restaurant still pays the vendor's rate on debit. We show what your customers pay apart and never add it to your cost. Card network rules and state laws apply, and some states limit surcharges.

Paid by your customers
FeeAmountApplies to
SpotOn Dual Pricing (paid by your customers)Not publishedSpotOn (opens in a new tab) · Vendor website · SpotOn does not publish the dual pricing percentage; its surcharge is capped at 3%.per transaction

Hardware

Ownership
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Works with another processor
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Hardware
ItemUpfrontMonthly
Station included in All-In$0SpotOn (opens in a new tab) · Vendor website · With a 2-year minimum term and higher card rates.—
Station 15 (POS Essentials)$750SpotOn (opens in a new tab) · Vendor website · —
Handheld (POS Essentials)$297SpotOn (opens in a new tab) · Vendor website · —