Olo Pay vs SpotOn Payment Processing

Olo Pay8.8Visit SpotOn Payment Processing8.6Visit

Higher score Olo Pay #4 in Restaurant Payment Processing Software 8.8/10 Pricing on request ✓ 5 of 5 features Visit Olo Pay

vs

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

• Olo Pay fits best

  Restaurant groups wanting unified payment operations

• SpotOn Payment Processing fits best

  Restaurants seeking free software with reporting

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Side by side

Feature	Olo Pay 8.8/10 Visit ↗	SpotOn Payment Processing 8.6/10 Visit ↗
At a glance
Editor score	8.8	8.6
Ranking	#4 in Restaurant Payment Processing Software	#6 in Restaurant Payment Processing Software
Best for	Restaurant groups wanting unified payment operations	Restaurants seeking free software with reporting
Pricing model	Paid	Free plan + paid
Starting price	Pricing on request	$55/unit/mo
Free plan	Not checked yet	✓ (best)
Free trial	—	—
Deployment	Cloud	Cloud, Mobile
Platforms	Web	Web, iOS, Android
Support	Tickets, Docs	Email, Phone, Docs · 24/7
Integrations	3 integrations	10 integrations
Built for	Mid-market, Enterprise	Small business, Mid-market, Enterprise
Features Olo Pay 5/5 · SpotOn Payment Processing 5/5
Card-present payments	✓	✓
Online payments	✓	✓
Tableside payments	✓	✓
Mobile payments	✓	✓
Reconciliation tools	✓	✓
Specs
Pricing model	Custom_quote	Flat_rate
Our review
Pros	Combines online, in-store, mobile, offline, and pay-at-table payments Centralizes reporting, reconciliation, refunds, and voids Adds fraud prevention, digital wallets, EMV terminals, and encryption	Free POS software and hardware with reporting Supports card-present, online, contactless, and tableside payments Rapid funding transfers in under 30 minutes
Cons	Pricing requires a custom quote through a sales-led process Its positioning centers on multi-location and enterprise restaurant brands Platform access is focused on web and API connections	All-In has processing minimums All-In requires a minimum two-year term Processing fees are separate from advertised software fees
Our verdict	Olo Pay is a restaurant-focused payment processing platform for multi-location and enterprise restaurant brands. It brings online and in-store payments into one operation, supporting card-present and card-not-present transactions,… 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

• Olo Pay — where it wins

  • Combines online, in-store, mobile, offline, and pay-at-table payments
  • Centralizes reporting, reconciliation, refunds, and voids
  • Adds fraud prevention, digital wallets, EMV terminals, and encryption

  Where it doesn't

  • Pricing requires a custom quote through a sales-led process
  • Its positioning centers on multi-location and enterprise restaurant brands
  • Platform access is focused on web and API connections

• 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

• Olo Pay8.8/10 · Pricing on request

  A unified payment platform for restaurant groups managing online, in-store, and tableside transactions.

  Visit Olo PayFull 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 →