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Head-to-head · Restaurant Payment Processing Software

NCR Voyix Payments vs SpotOn Payment Processing

  • Updated Oct 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score NCR Voyix Payments #5 in Restaurant Payment Processing Software 8.7/10 Pricing on request ✓ 4 of 5 features Visit NCR Voyix
SpotOn Payment Processing #6 in Restaurant Payment Processing Software 8.6/10 Free plan Free plan✓ 5 of 5 features Visit SpotOn

NCR Voyix Payments 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 scoreNCR Voyix Payments · 8.7/10
  • Free planonly SpotOn Payment Processing
  • Most featuresSpotOn Payment Processing · 5 of 5

NCR Voyix Payments scores higher on our rubric for restaurant payment processing software: 8.7 against 8.6 out of 10; our editors rank them #5 and #6.

SpotOn Payment Processing offers free plan; NCR Voyix Payments doesn't. On pricing model, NCR Voyix Payments gives you Custom_quote where SpotOn Payment Processing offers Flat_rate.

NCR Voyix Payments is the better fit for large restaurants with complex payment flows. SpotOn Payment Processing is the better fit for restaurants seeking free software with reporting.

  • NCR Voyix Payments fits best

    Large restaurants with complex payment flows

  • SpotOn Payment Processing fits best

    Restaurants seeking free software with reporting

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Side by side

Feature NCR Voyix Payments 8.7/10 Visit ↗ SpotOn Payment Processing 8.6/10 Visit ↗
At a glance
Editor score 8.7 8.6
Ranking #5 in Restaurant Payment Processing Software #6 in Restaurant Payment Processing Software
Best for Large restaurants with complex payment flows Restaurants seeking free software with reporting
Pricing model Paid Free plan + paid
Starting price — $55/unit/mo
Free plan — ✓ (best)
Free trial — —
Deployment Cloud Cloud, Mobile
Support Email, Phone, Docs · 24/7 Email, Phone, Docs · 24/7
Integrations 6 integrations 10 integrations
Built for Mid-market, Enterprise Small business, Mid-market, Enterprise
Features NCR Voyix Payments 4/5 · SpotOn Payment Processing 5/5
Card-present payments ✓ ✓
Online payments ✓ ✓
Tableside payments ✓ ✓
Mobile payments ✓ ✓
Reconciliation tools Not checked yet ✓ (best)
Specs
Pricing model Custom_quote Flat_rate
Our review
Pros
  • Supports in-person, online, pay-at-table, kiosk, QR, and drive-thru payments
  • Adds tokenization, point-to-point encryption, routing, reporting, and monitoring
  • Handles wallets, gift cards, loyalty cards, refunds, and card-on-file transactions
  • Free POS software and hardware with reporting
  • Supports card-present, online, contactless, and tableside payments
  • Rapid funding transfers in under 30 minutes
Cons
  • Custom pricing makes cost comparison difficult
  • Online ordering and handheld POS require add-ons
  • The listed platform option is limited to API
  • All-In has processing minimums
  • All-In requires a minimum two-year term
  • Processing fees are separate from advertised software fees
Our verdict

NCR Voyix Payments is an end-to-end restaurant payment ecosystem combining POS integration, a payment gateway, and payment processing services. It is designed for large restaurant operators managing multiple locations and varied guest…

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. NCR Voyix PaymentsRestaurant Payment Processing Software 8.7Pricing on request
  2. SpotOn Payment ProcessingRestaurant Payment Processing Software 8.6Free plan

Strengths and trade-offs

  • NCR Voyix Payments — where it wins

    • Supports in-person, online, pay-at-table, kiosk, QR, and drive-thru payments
    • Adds tokenization, point-to-point encryption, routing, reporting, and monitoring
    • Handles wallets, gift cards, loyalty cards, refunds, and card-on-file transactions

    Where it doesn't

    • Custom pricing makes cost comparison difficult
    • Online ordering and handheld POS require add-ons
    • The listed platform option is limited to API

  • 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
  • NCR Voyix Payments8.7/10 · Pricing on request

    A broad restaurant payment ecosystem for operators managing complex payment flows.

    Visit NCR VoyixFull 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