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Virtual payment terminal

Take payments anywhere

SpotOn Virtual Payment Terminal lets restaurants process card payments from a computer or mobile device. Easily send invoices, run one-time charges, or set up recurring payments from your dashboard.
A restaurant owner runs a transaction in the back office using a virtual payment terminal

Run payments wherever you do business

A restaurant owner runs a payment  from their computer in the back office

Run card-not-present payments from your SpotOn dashboard without using a POS terminal. Perfect for taking special orders and catering and event deposits.

A restaurant worker uses their phone to take a payment at a farmer’s market

On the go? Process payments, voids, or refunds from your phone or tablet with our free app for iPhone and Android. Add an optional Bluetooth card reader to accept tap, dips, and swipes.

A restaurant owner sends an invoice to a customer

Send professional invoices in minutes with branded templates customized for your business.

Guests that are part of a private membership club at a restaurant receive recurring membership bills

Let regulars pay automatically for recurring billing plans such as subscriptions or memberships. Store cards on file and schedule payments based on your terms.

A restaurant customer receives an invoice reminder to pay for a private party

Set automatic email reminders for invoices that follow up for you and stop once payment is received.

Do more with your data

Get a demo
A restaurant manager looks at the transaction history of guests from their online dashboard
  • Customer profiles

    Easily view customer contact details, payment methods, and past transactions all in one place.
  • Transaction history

    Search, filter, and export payment history from all devices to quickly find any transaction.
  • Marketing integration

    Send emails, create loyalty rewards, and manage reviews by connecting with SpotOn marketing tools.

Powerful tools to increase profitability

Man in a backward cap talking in a warmly lit bar.
Edina, Minnesota

“SpotOn isn’t just processing software. It’s a whole financial solution to help you run your business and make it profitable.”

Bojae’s Wine Bar & Bistro logo
Lyndsey Jacques
Owner / Bojae’s Wine Bar & Bistro
3days
faster fund transfers
100%
automatic tip payouts
Ari Strauss, co-owner of Sluggers, interview
Chicago, Illinois

“SpotOn‘s back-of-house system is so easy to use and empowering for managers looking to make smart business decisions.”

Sluggers logo
Ari Strauss
Co-owners / Sluggers
Khara Mangiduyos, owner of Kalei’s Kitchenette, interview
San Diego, California

“Technology made simple for a business owner who wears multiple hats.”

Kalei’s Kitchenette logo
Khara Mangiduyos
Owner / Kalei’s Kitchenette
3%
reduction in cost of goods
$2,000
instant savings

Power your restaurant with tools that work together

Run your restaurant more efficiently, create better guest experiences, and grow direct sales with additional SpotOn tools built to work together.

Choose the plan that's right for you

Virtual Payment Terminal included with SpotOn POS at no extra cost

$0
/month*
Included with Virtual Payment Terminal:
  • Dashboard payments
  • Mobile payments app
  • Branded invoicing
  • Recurring billing
 
  • Email reminders
  • Customer profiles
  • Transaction history
All-In Plan
Keep upfront costs low and preserve cash flow.
$0/month
Processing fees
Card present: 2.79% + $0.20
Keyed: 3.79% + $0.20
Get a demo
Best value
POS essentials
Ideal for most restaurants, with month-to-month flexibility.
$55/station per month
Processing fees
Card present: 2.45% + $0.15 (except Amex: 3.19% + $0.15)
Keyed: 3.45% + $0.15
Get a demo
Build your own
For multi-unit, enterprise, and other high-volume operations.
Custom rates
Processing fees
Custom rates
Get a demo

One platform to run and grow your restaurant

Easy to learn. Stable in outages. Affordable payment processing. Meet the POS that does it all.
Point-of-sale

FAQ

SpotOn’s virtual payment terminal is included at no extra cost with all SpotOn POS plans. Restaurants simply pay standard card-not-present payment processing rates when they accept credit card payments through the terminal, just as they would with other payment solutions.

SpotOn’s virtual payment terminal lets restaurants accept payments using just your computer through a secure internet connection. You can also process customer payments from a mobile device with the SpotOn Payments app, giving your team flexible ways to run card payments from the office or on the go.

Yes, you can add an optional Bluetooth card reader to pair with your mobile device to handle in-person payments, accepting taps, dips, and swipes using the SpotOn Payments app. Be sure to let your SpotOn rep know you’d like to add the Bluetooth reader.

SpotOn’s virtual terminal helps automate customer payments with tools like recurring billing, scheduled recurring payments, and automatic reminders for an unpaid invoice. These features reduce manual follow-ups and help restaurants improve cash flow by collecting payments more consistently for back-office transactions such as taking payments or deposits over the phone, and managing subscription or membership billing.

Yes. SpotOn’s virtual payment terminal connects with SpotOn Marketing tools so restaurants can use customer information, payment history, and other customer data to send targeted emails, create loyalty rewards, and manage reviews. This helps turn everyday customer payments into opportunities to build stronger guest relationships.