Heartland Payments+ vs SpotOn Payment Processing

HPHeartland Payments+9.0Visit SpotOn Payment Processing8.6Visit

Higher score HP Heartland Payments+ #3 in Restaurant Payment Processing Software 9.0/10 Paid ✓ 5 of 5 features Visit Heartland

vs

SpotOn Payment Processing #6 in Restaurant Payment Processing Software 8.6/10 Free plan Free plan✓ 5 of 5 features Visit SpotOn

• Heartland Payments+ fits best

  Established restaurants wanting full payment coverage

• SpotOn Payment Processing fits best

  Restaurants seeking free software with reporting

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Side by side

Feature	HPHeartland Payments+ 9.0/10 Visit ↗	SpotOn Payment Processing 8.6/10 Visit ↗
At a glance
Editor score	9.0	8.6
Ranking	#3 in Restaurant Payment Processing Software	#6 in Restaurant Payment Processing Software
Best for	Established restaurants wanting full payment coverage	Restaurants seeking free software with reporting
Pricing model	Paid	Free plan + paid
Starting price	Not checked yet	$55/unit/mo
Free plan	Not checked yet	✓ (best)
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, Android	Web, iOS, Android
Support	Phone, Live chat, Docs · 24/7	Email, Phone, Docs · 24/7
Integrations	900+ integrations	10 integrations
Built for	Small business, Mid-market, Enterprise	Small business, Mid-market, Enterprise
Features Heartland Payments+ 5/5 · SpotOn Payment Processing 5/5
Card-present payments	✓	✓
Online payments	✓	✓
Tableside payments	✓	✓
Mobile payments	✓	✓
Reconciliation tools	✓	✓
Specs
Pricing model	Flat_rate	Flat_rate
Our review
Pros	Supports card-present, online, tableside, mobile and offline payments Includes digital wallets, payment links, virtual terminal and QR-code payments Adds reporting, dispute management, encryption, tokenization and EMV security	Free POS software and hardware with reporting Supports card-present, online, contactless, and tableside payments Rapid funding transfers in under 30 minutes
Cons	Pricing includes a percentage-based per-transaction fee The listed platforms are web, Android and API Its integrations span several business systems, requiring fit checks for each workflow	All-In has processing minimums All-In requires a minimum two-year term Processing fees are separate from advertised software fees
Our verdict	Heartland Payments+ is a paid payment-processing platform for restaurants and other businesses. It covers card-present transactions through terminals, readers and POS systems, along with online ordering, tableside payments through… 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 →

Strengths and trade-offs

• Heartland Payments+ — where it wins

  • Supports card-present, online, tableside, mobile and offline payments
  • Includes digital wallets, payment links, virtual terminal and QR-code payments
  • Adds reporting, dispute management, encryption, tokenization and EMV security

  Where it doesn't

  • Pricing includes a percentage-based per-transaction fee
  • The listed platforms are web, Android and API
  • Its integrations span several business systems, requiring fit checks for each workflow

• 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

• HPHeartland Payments+9.0/10 · Paid

  A broad restaurant payment platform covering service, online ordering and reporting.

  Visit HeartlandFull 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 →