Restaurant payment processing & rapid funding
Maximize your restaurant’s cash flow
- $0software & hardware plans
- <30minRapid Fund transfers after batch out
- 24/7/365fund transfer options
Pick your payment processing rate plan
Pay only 2.45% + $0.15 for all card present types except American Express (3.19% + $0.25). Pay 3.45% + $0.15 for keyed cards and online ordering. No arbitrary, confusing tiers for corporate or reward cards. Best fit for most restaurants.
Reduce upfront costs and preserve cash flow by baking in POS hardware and software costs directly into your payment processing: 2.79% + $0.20 for card present (except American Express: 3.19% + $0.25). 3.79% + $0.20 for keyed cards and online ordering. Eligibility requirements apply.
Offset credit card processing fees with compliant dual pricing (aka cash discount). Often called “Zero-Fee Processing” by other providers, SpotOn will configure your POS with 2 menu prices, one for cash payments and a lifted price for card payments.
Run a high-volume restaurant or multi-location group? Our team will work with you to choose rates that meet your needs. In most cases, we can save you money compared to what you’re currently paying. Be ready to explore your effective rates and all-in costs for processing, hardware, and software.
Your money right now with Rapid Fund
Get a demo
Fast fund transfers
Get funds delivered to your account in under 30 minutes after batching out with SpotOn’s modern payment rails. Eligibility requirements apply.Always on
Never worry about the cash flow squeeze again. Rapid Fund transfers your money 365 days a year, including nights, weekends, and holidays.Low cost
Pay only 0.2% per deposit. No set up costs. Just set your batch out times and keep the money flowing to your account.Morning funding option
In no rush to get your funds? Or need to transfer to a bank using traditional ACH? Morning funding deposits available at no extra cost.
Improved cash flow. Stronger restaurants.
“Whether guests are dining in or picking up to-go, checkout is faster and more flexible—with options like contactless payments, Apple Pay, and digital receipts.”
“SpotOn helps our customers pay faster. It can be by watch, card, slide, or touch. All of this means faster sales and it's also easy for customers to use.”
“I was moving money around to cover bills for my food orders and things like that. So to have SpotOn Rapid Funding just took all of that worry from me.”
Connected tools to improve profitability & cash flow
Restaurant loans
Get the restaurant funding you need to propel your business with SpotOn Capital. Easy application. Fast funding. No application fees.
Earned tip access
Attract and retain staff, optimize cash flow, and reduce trips to the bank with DayCheck for tipped employees.
Profitability analysis software
SpotOn Profit Assist uses AI to automatically analyze your P&L and show you where you can lower costs.
Online ordering
Take back your profit with a commission-free online ordering system that connects to SpotOn POS and GoTo Place.
Choose the plan that's right for you
Payment processing included with SpotOn POS
- Flexible rate plans
- Contactless payments
- Tableside payments
- Online payments
- No hidden fees
- 0.2% introductory rate
- <30 min transfers
- Always on, 24/7/365
Connected tools. Stronger teams. Better profits.
FAQ
SpotOn provides flexible rate plans to choose from based on your business and cash flow needs. Our Preferred Processing Plan is the best fit for most restaurants with rates at 2.45% + $0.15 for all card present transactions except American Express transactions, which are 3.19% + $0.15. Keyed / card-not present rates, including online ordering and virtual terminal payments, are 3.45% + $0.15. For restaurants looking to reduce upfront costs or help offset credit card processing fees, we also have an All-In rate plan, as well as dual pricing and custom rate plans.
SpotOn POS and SpotOn Order online ordering accept a variety of payment types, including cards, Apple Pay, and Google Pay. You can also manage cash transactions at the point-of-sale. SpotOn clients also have access to a virtual terminal for online payments and invoicing.
Rapid Fund is available to help restaurants maximize cash flow, with transfers available day or night, 365 days a year. No waiting it out over the weekend or holidays. Transfers reach your bank account in 30 minutes or less after batching out for a low rate of 0.2% per deposit. SpotOn also offers morning funding for no additional cost, which transfers funds on the morning of the first business day after batching out.