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Software plans
| Plan | Price | Billed per | Notes |
|---|---|---|---|
| All-In | $0/monthSpotOn (opens in a new tab) · Vendor website · | device | Card rates in this catalog correspond to this plan: 2.79% + 20¢ in person and 3.79% + 20¢ keyed. Hardware included, processing minimums apply and the minimum term is 2 years. |
| POS Essentials | $55/monthSpotOn (opens in a new tab) · Vendor website · | device | Software month to month. The processing agreement still has a 3-year initial term, renews for 1-year periods and charges an Account Closure Fee if you close it early. 2.45% + 15¢ in person (American Express 3.19% + 15¢) and 3.45% + 15¢ keyed. Hardware is bought separately, plus implementation costs. |
Processing rates and fees
| Fee | Amount | Applies to |
|---|---|---|
| In-person card rate | 2.79%SpotOn (opens in a new tab) · Vendor website · | per transaction · In person |
| In-person fee per transaction | 20¢SpotOn (opens in a new tab) · Vendor website · | per transaction · In person |
| Online card rate | 3.79%SpotOn (opens in a new tab) · Vendor website · | per transaction · Online |
| Online fee per transaction | 20¢SpotOn (opens in a new tab) · Vendor website · | per transaction · Online |
| Keyed-in card rate | 3.79%SpotOn (opens in a new tab) · Vendor website · | per transaction · Keyed |
| Keyed-in fee per transaction | 20¢SpotOn (opens in a new tab) · Vendor website · | per transaction · Keyed |
| Core Bundle (online ordering, marketing and more) | $50/monthSpotOn (opens in a new tab) · Vendor website · | per locationOnly if you add the Core Bundle, which includes SpotOn Order; it also charges 0.20% of your card volume, capped at $200 a month. |
What one $35 sale costs in card fees
Example · SpotOn. With the card rates in the table above. Example, not a quote.
In person
- Ticket
- $35
- 2.79% of a $35 ticketIn-person card rate
- $0.98
- 20¢ per transactionIn-person fee per transaction
- $0.20
- Card cost of one sale
- $1.18
Online
- Ticket
- $35
- 3.79% of a $35 ticketOnline card rate
- $1.33
- 20¢ per transactionOnline fee per transaction
- $0.20
- Card cost of one sale
- $1.53
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.
| Card type | Dual pricing or cash discount | Surcharge |
|---|---|---|
| Credit cards | Your customers | Your customers |
| Debit cards | Your customers | Your restaurant, at the card rate |
It isn't free: your customers pay it
| Fee | Amount | Applies 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
- Included in the planSpotOn (opens in a new tab) · Vendor website · Included in the All-In plan. With POS Essentials you buy the hardware (financing available).
- Works with another processor
- NoSpotOn (opens in a new tab) · Contract or terms · ()This applies to hardware SpotOn loans, leases or rents, such as the stations in the All-In plan, which stay SpotOn's and go back when the agreement ends (Merchant Terms §1.4). The terms don't say whether hardware you buy outright on POS Essentials can be used with another processor.
| Item | Upfront | Monthly |
|---|---|---|
| Station included in All-In | $0SpotOn (opens in a new tab) · Vendor website · | — |
| Station 15 (POS Essentials) | $750SpotOn (opens in a new tab) · Vendor website · | — |
| Station 10 (POS Essentials) | $415SpotOn (opens in a new tab) · Vendor website · | — |
| Handheld (POS Essentials) | $297SpotOn (opens in a new tab) · Vendor website · | — |
| Guest-facing display | $200SpotOn (opens in a new tab) · Vendor website · | — |
| Wireless router | $300SpotOn (opens in a new tab) · Vendor website · | — |
Hardware warranty
The same rows for every POS: how long the main terminal is covered against defects when you get it a standard way (buying, leasing, renting, a subscription or a loan), the conditions, including what it leaves out and what keeping it costs, and the price to replace that terminal outside the coverage.
| Hardware warranty included | 1 yearSource: SpotOn (opens in a new tab)One year from shipment. It comes from SpotOn's 2019 restaurant POS terms, which are still published and linked from its legal pages; the current Merchant Terms (December 16, 2024) give no hardware warranty length. No longer coverage is published for the hardware included in the All-In plan. |
|---|---|
| Warranty conditions | SpotOn repairs or replaces the unit at its discretion. You need SpotOn's written approval, proof of purchase and a backup of your data. SpotOn pays shipping both ways on covered claims; if it decides a claim is not covered, you pay the repair or replacement and the shipping. No advance replacement is promised. The warranty does not apply to damage from negligence, misuse, abuse, accidents, electrical problems, theft, vandalism, water or force majeure, or to unauthorized changes or devices SpotOn has not approved. On the All-In plan the hardware stays SpotOn's: you must keep it in good working condition, return it within 15 business days after the agreement ends, and a unit you don't return is charged the replacement fee in your Fee Summary or, if none is set, its fair market value (Merchant Terms §1.4). SpotOn publishes no paid protection plan.Source: SpotOn (opens in a new tab) |
| Price to replace the main terminal | $750 one-timeSource: SpotOn (opens in a new tab)SpotOn Station 15 on its own, the standard countertop station, listed at its current price of $750 (list price shown crossed out at $995). On the All-In plan the station is included, and the charge for a lost or unreturned one is the replacement fee in your Fee Summary or its fair market value, which is not published. |
The RTC Score only counts how long defects are covered. What the coverage leaves out (accidents, theft, loss) and what it costs to keep are in the conditions. A protection plan sold separately doesn't count; if the vendor offers one, it's in the conditions. The replacement price isn't added to the 36-month cost, because there's no public data on how often equipment fails.