Vendor pricing · verified September 2026
SpotOn pricing in 2026
SpotOn publishes two restaurant plans with the trade-off in plain sight. All-In is $0 per station per month with hardware included, processing at 2.79% + 20¢ card-present and 3.79% + 20¢ keyed, a two-year minimum term and processing minimums. POS Essentials is $55 per station per month at 2.45% + 15¢ card-present (3.19% + 15¢ for Amex) and 3.45% + 15¢ keyed, month-to-month, with hardware bought: Station 15 at $995, promoted at $750, and a handheld at $495, promoted at $297.
Figures from spoton.com/pricing, read September 2026, including the promotional hardware prices shown there at the time.
The two plans and the add-on bundle
The Core Bundle add-on is $50 a month plus 20 basis points of gross payment volume, capped at $200, and includes SpotOn Order online ordering, marketing and the loyalty app. On $40,000 of monthly card volume, 20 basis points is $80, so the bundle costs $130 that month.
| Plan | Monthly | Card-present | Keyed | Hardware | Term |
|---|---|---|---|---|---|
| All-In | $0/station | 2.79% + 20¢ | 3.79% + 20¢ | included | 2-year minimum; processing minimums |
| POS Essentials | $55/station | 2.45% + 15¢ (Amex 3.19%) | 3.45% + 15¢ | Station 15 $995 ($750 promo); Handheld $495 ($297 promo) | month-to-month |
| Core Bundle add-on | $50 + 20 bps of volume, capped $200 | — | — | — | — |
What the $0 plan costs on a $40 ticket
The All-In plan's zero software fee is paid for in the processing spread. On a $40 card-present sale, 2.79% + 20¢ is $1.32; POS Essentials at 2.45% + 15¢ is $1.13; Ginger at 2% + 5¢ is about $0.85. Across $40,000 of monthly volume the All-In spread over Essentials is roughly $136 a month, which is more than the $55 station fee it replaces once you run two stations.
| System | Monthly software | Processing | Hardware | Contract |
|---|---|---|---|---|
| SpotOn All-In | $0/station | 2.79% + 20¢ | included | 2-year minimum |
| SpotOn POS Essentials | $55/station | 2.45% + 15¢ | $750–$995 per station | month-to-month |
| Ginger | $0 with online ordering | interchange-plus, as low as 2% + 5¢ | Box, 2 printers, terminal included over $40k/mo | No contract |
Frequently asked questions
How much does SpotOn cost per month?
Two published plans: All-In at $0 per station per month with hardware included and processing at 2.79% + 20¢ card-present on a two-year minimum term, and POS Essentials at $55 per station per month with processing at 2.45% + 15¢ card-present, month-to-month, with hardware purchased. Verified September 2026 from spoton.com/pricing.
Is SpotOn's $0 plan really free?
The software is $0 and the hardware is included, but the processing rate is 34 basis points higher than the paid plan and there is a two-year minimum term with processing minimums. On a $40 sale the difference is about 19¢; on $40,000 a month it is roughly $136. Whether that beats $55 per station depends on your volume and station count.
What does SpotOn's Core Bundle cost?
$50 a month plus 20 basis points of gross payment volume, capped at $200 a month, per SpotOn's pricing page. It includes SpotOn Order online ordering, marketing tools and the loyalty app. On $40,000 of monthly volume the bundle is $130.
What does SpotOn hardware cost?
On the POS Essentials plan, hardware is purchased: Station 15 at $995 ($750 promotional), Station 10 at $550 ($415 promotional), a handheld at $495 ($297 promotional), a guest-facing display at $200 and a wireless router at $300, per the pricing page in September 2026. On All-In, hardware is included.
How does SpotOn compare with Ginger on cost?
SpotOn's cheapest processing is 2.45% + 15¢ on a $55-per-station plan; Ginger is interchange-plus as low as 2% + 5¢ at $0 a month with online ordering, no contract, and hardware included for restaurants over $40,000 a month in card volume. On a $40 sale that is about $1.13 against about $0.85.
Compare it against a system with no monthly fee
Ginger is $0 a month with online ordering, no contract, interchange-plus processing as low as 2% + 5¢, and the Box, up to two printers and a card terminal included for restaurants over $40,000 a month in card volume. The live demo opens in your browser with no signup.