vendor · spoton

SpotOn Restaurant POS cost 2026

SpotOn publishes a $0/mo SaaS line in exchange for bundled interchange-plus processing. On a $1.5M FSR that math is usually cheaper than Toast or Square. The catch is the bundled-processing requirement.

SpotOnSpotOn Restaurant pricing · 2026-06-20

Cheapest published: Counter Service from $0/mo (processing required)

Pricing model: Tiered SaaS + interchange-plus processing

Processing: Interchange + 0.30% to 0.55% markup (quoted, depends on volume)

Hardware: Hardware purchased or financed via SpotOn. Handhelds priced separately.

Contract: Typically 3-year processing contract; SaaS is rolling monthly.

19-bang · named gotcha

Published $0 SaaS only with bundled processing. Unbundled SaaS quote is materially higher.

What it actually costs in 2026

Counter Service starts at $0/mo SaaS with bundled SpotOn processing SpotOn pricing · 2026-06-20. Full-service tiers run $65 to $135/mo per terminal depending on configuration and add-ons.

Processing is interchange-plus: interchange + 0.30% to 0.55% processor markup, quoted on volume. On $80K monthly card volume that nets to approximately 2.35% effective card-present, or $1,490/mo on the CP slice plus $510/mo on the CNP slice for a total of approximately $2,000/mo.

Hardware is purchased or financed via SpotOn directly. Handhelds priced separately. Standard contract on processing is 3 years; SaaS is rolling monthly.

All-in 4-terminal FSR with bundled SpotOn processing: approximately $2,200/mo.

Owner questions

Is SpotOn cheaper than Toast at $1.5M revenue?

Usually yes, on processing. Approximately $112/mo less on the FSR default profile. SaaS lines are similar. Toast has the 10bps Volume Subscription Fee, SpotOn does not.

Is the $0 SaaS line real?

Real but conditional on bundled SpotOn processing. Walk away from bundled processing and the SaaS quote climbs. The interchange-plus markup is where the vendor recovers SaaS.

What is the contract term?

SaaS is monthly. Processing contract typically 3 years. Confirm both at signing.

What hardware ships?

SpotOn Restaurant terminal, SpotOn Serve handheld, KDS. Hardware purchased or financed; specifics on quote SpotOn hardware · 2026-06-20.

Best fit

FSR · Bar · Single-unit independent

Recent changes (2026-06-20)

Restaurant + Sports business split 2024 sale to Investcorp completed; product roadmap stable through 2026.

the pass · related