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Head-to-head · Restaurant Payment Processing Software

Adyen vs SpotOn Payment Processing

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score Adyen #2 in Restaurant Payment Processing Software 9.3/10 From $0.13 ✓ 0 of 5 features Visit Adyen
SpotOn Payment Processing #6 in Restaurant Payment Processing Software 8.6/10 Free plan Free plan✓ 5 of 5 features Visit SpotOn

Adyen leads on 0 checks, SpotOn Payment Processing on 1, and 5 are even. Who comes out ahead on the 6 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreAdyen · 9.3/10
  • Free planonly SpotOn Payment Processing
  • Most featuresSpotOn Payment Processing · 5 of 5

Adyen scores higher on our rubric for restaurant payment processing software: 9.3 against 8.6 out of 10; our editors rank them #2 and #6.

SpotOn Payment Processing offers free plan; Adyen doesn't.

Adyen is the better fit for global, API-driven restaurant payment operations. SpotOn Payment Processing is the better fit for restaurants seeking free software with reporting.

  • Adyen fits best

    Global, API-driven restaurant payment operations

  • SpotOn Payment Processing fits best

    Restaurants seeking free software with reporting

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Side by side

Feature Adyen 9.3/10 Visit ↗ SpotOn Payment Processing 8.6/10 Visit ↗
At a glance
Editor score 9.3 8.6
Ranking #2 in Restaurant Payment Processing Software #6 in Restaurant Payment Processing Software
Best for Global, API-driven restaurant payment operations Restaurants seeking free software with reporting
Pricing model Paid Free plan + paid
Starting price From $0.13 $55/unit/mo
Free plan — ✓ (best)
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Integrations 13 integrations 10 integrations
Features Adyen 0/5 · SpotOn Payment Processing 5/5
Card-present payments Not checked yet ✓ (best)
Online payments Not checked yet ✓ (best)
Tableside payments Not checked yet ✓ (best)
Mobile payments Not checked yet ✓ (best)
Reconciliation tools Not checked yet ✓ (best)
Specs
Pricing model Not checked yet Flat_rate
Our review
Pros
  • Supports 136 currencies and extensive card, wallet, and local methods
  • Covers recurring, marketplace, split-payment, payout, and reporting workflows
  • Offers APIs, SDKs, webhooks, plugins, and mobile integrations
  • Free POS software and hardware with reporting
  • Supports card-present, online, contactless, and tableside payments
  • Rapid funding transfers in under 30 minutes
Cons
  • No free plan is available
  • Payment-method fees vary by region, method, and transaction volume
  • Its extensive API and SDK surface may require technical resources
  • All-In has processing minimums
  • All-In requires a minimum two-year term
  • Processing fees are separate from advertised software fees
Our verdict

Adyen is payment infrastructure for businesses accepting online and in-person payments, with a strong fit for restaurant groups managing web, mobile, and broader omnichannel payment operations. Its online product supports cards, wallets,…

Read the review →

SpotOn Payment Processing is restaurant-focused payment software integrated with SpotOn POS. It supports card-present, keyed, online, contactless, tableside, and mobile QR-code pay-at-table payments. Restaurants also get ordering, table…

Read the review →
  1. AdyenRestaurant Payment Processing Software 9.3From $0.13
  2. SpotOn Payment ProcessingRestaurant Payment Processing Software 8.6Free plan

Strengths and trade-offs

  • Adyen — where it wins

    • Supports 136 currencies and extensive card, wallet, and local methods
    • Covers recurring, marketplace, split-payment, payout, and reporting workflows
    • Offers APIs, SDKs, webhooks, plugins, and mobile integrations

    Where it doesn't

    • No free plan is available
    • Payment-method fees vary by region, method, and transaction volume
    • Its extensive API and SDK surface may require technical resources

  • SpotOn Payment Processing — where it wins

    • Free POS software and hardware with reporting
    • Supports card-present, online, contactless, and tableside payments
    • Rapid funding transfers in under 30 minutes

    Where it doesn't

    • All-In has processing minimums
    • All-In requires a minimum two-year term
    • Processing fees are separate from advertised software fees
  • Adyen9.3/10 · From $0.13

    A global, API-driven payment stack for complex restaurant payment operations.

    Visit AdyenFull verdict →
  • SpotOn Payment Processing8.6/10 · Free plan

    A free restaurant POS and payments option with reporting and a $55 paid tier.

    Visit SpotOnFull verdict →

More comparisons

All restaurant payment processing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update