SpotOn pricing: the most published rate card after Square
SpotOn publishes more of its pricing than anyone in this category except Square: rates, plans and hardware list prices, on its own site. That transparency deserves the reward of being taken seriously, and the same scrutiny as everyone else on the fine print, which is exactly what this page applies to both plans and the terms around leaving.
Judd Alsup and the Equip Payment Solutions team, who install and support restaurant POS systems nationwide and sell Shift4 Dine and Clover.Updated August 9, 2026. Sources and dates cited on every figure.
The short answer
SpotOn pricing at a glance, nearly all published:
- All-In $0 per station, 2.79% plus 20c, hardware included, two year minimum.
- Essentials $55 per station, 2.45% plus 15c, month to month.
- The catch a reported $995 conversion fee plus doubled software cost to switch processors, and an unpriced implementation fee.
- The crossover between the plans arrives near $16,000 a month per station; the calculator runs both.
The rest of this page is the case for each line, with sources.
The published rate card
All-In: $0 per station, 2.79% plus 20 cents card present
Hardware included, keyed transactions at 3.79% plus 20 cents, on a two year minimum term with processing minimums. The free hardware is financed by the rate, the same trade as every $0 door in this category, just stated openly.
POS Essentials: $55 per station, 2.45% plus 15 cents
Month to month, with Amex at 3.19% plus 15 cents and keyed at 3.45% plus 15 cents. Paying for the station buys the rate down a third of a point, and the crossover volume between the two plans is arithmetic you can do before any sales call.
Hardware list prices, published
Station 15 at $995 list, $750 promotional. Station 10 at $550 and $415. Handhelds at $500 and $375. Guest display at $200, router at $300. Publishing promotional against list is more candor than the category usually manages.
Core Bundle: $50 a location plus 20 basis points of volume, capped at $200
A location level bundle priced partly as a share of volume, capped. Unusual structure; run it against your volume, because the cap means high volume rooms effectively pay $200.
The fine print, reported and worth confirming
POSUSA reports a $995 conversion fee for switching processors while keeping the software, and a doubling of the software license cost when you do. It also reports, citing SpotOn's own point of sale terms, that cancelling inside the first year means paying back the difference between promotional and list hardware pricing. No early termination fee dollar figure is published or reported beyond that. All of it is confirmable by asking for the terms document, which is exactly what to do.
An implementation fee exists per SpotOn's own pricing page, with no dollar figure attached. The kiosk and kitchen display sections of that page carry headings without prices. So the published picture, while the second best in the category, still has blanks your quote has to fill, and the one question that fills most of them at once remains: effective rate and all fees, in writing.
On fit: SpotOn sells across counter and full service and shows up increasingly in bars and QSR. It appears on several of this site's room pages on the strength of its transparency, and the demo should test depth in your specific room, because a published price is a reason to look, not a verdict.
Questions owners ask
What does SpotOn cost for a restaurant?
Two published paths: All-In at $0 per station with 2.79% plus 20 cents on a two year term, or Essentials at $55 per station with 2.45% plus 15 cents, month to month. Hardware list and promo prices are published. The blanks are the implementation fee and the terms around leaving, which the quote and terms document should fill.
Is SpotOn's free hardware actually free?
It is financed by the All-In plan's higher rate and its two year term, and cancelling in year one reportedly claws back the hardware discount. That is not a scandal, it is the standard $0 down structure; SpotOn just publishes more of it than most. Price both plans at your volume and the honest answer falls out.
Can I leave SpotOn processing and keep the POS?
Reportedly yes, at a $995 conversion fee and double the software cost, which is designed to make the answer no in practice. Confirm against the current terms before signing, and weigh it the same way we weigh Lightspeed's reported processor penalty: as part of the real cost of the relationship.
Where is the crossover between All-In and Essentials?
At the point where a third of a point of rate difference exceeds $55 per station per month, which arrives faster than most owners guess: around $16,000 a month per station in card volume, the math flips toward Essentials. Run your own volume in the calculator, where both plans are computed side by side from the published figures.
How does SpotOn stack up against Toast?
Wide product overlap in the middle market and an opposite disclosure philosophy, which is the whole comparison: Toast vs SpotOn works through it, including how to use SpotOn's published card as leverage in a Toast negotiation whichever one you end up buying.
What is the Core Bundle and who is it for?
A location level package at $50 a month plus 20 basis points of processed volume, capped at $200 per location, which is an unusual structure in this category: part subscription, part volume share. The cap means any location past $75,000 a month effectively pays flat $250, so high volume rooms should price it as exactly that and compare accordingly.
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