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Head-to-head · Restaurant Payment Processing Software

SpotOn Payment Processing vs Elavon Restaurant Payments

  • Updated Sep 2026
  • Both researched from official sources
  • 6 checks side by side
Higher score SpotOn Payment Processing #4 in Restaurant Payment Processing Software 7.7/10 Free plan · paid from $55/mo Free plan✓ 5 of 5 features Visit SpotOn
Elavon Restaurant Payments #7 in Restaurant Payment Processing Software 6.9/10 Paid ✓ 5 of 5 features Visit Elavon

SpotOn Payment Processing leads on 1 check, Elavon Restaurant Payments on 0, 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 scoreSpotOn Payment Processing · 7.7/10
  • Free planonly SpotOn Payment Processing

SpotOn Payment Processing scores higher on our rubric for restaurant payment processing software: 7.7 against 6.9 out of 10; our editors rank them #4 and #7.

SpotOn Payment Processing offers free plan; Elavon Restaurant Payments doesn't.

SpotOn Payment Processing is the better fit for restaurants seeking free software with reporting. Elavon Restaurant Payments is the better fit for restaurants using major POS ecosystems.

  • SpotOn Payment Processing fits best

    Restaurants seeking free software with reporting

  • Elavon Restaurant Payments fits best

    Restaurants using major POS ecosystems

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature SpotOn Payment Processing 7.7/10 Visit ↗ Elavon Restaurant Payments 6.9/10 Visit ↗
At a glance
Editor score 7.7 6.9
Ranking #4 in Restaurant Payment Processing Software #7 in Restaurant Payment Processing Software
Best for Restaurants seeking free software with reporting Restaurants using major POS ecosystems
Pricing model Free plan + paid Paid
Starting price $55/mo Not published
Free plan ✓ (best) —
Free trial — —
Deployment Cloud, Mobile Cloud
Platforms Web, iOS, Android Web
Support Email, Phone, Docs · 24/7 Phone · 24/7
Integrations 10 integrations 5 integrations
Built for Small business, Mid-market, Enterprise Small business, Mid-market, Enterprise
Features SpotOn Payment Processing 5/5 · Elavon Restaurant Payments 5/5
Card-present payments ✓ ✓
Online payments ✓ ✓
Tableside payments ✓ ✓
Mobile payments ✓ ✓
Reconciliation tools ✓ ✓
Specs
Pricing model Flat_rate Flat_rate
Our review
Pros
  • Free POS software and hardware with reporting
  • Supports card-present, online, contactless, and tableside payments
  • Rapid funding transfers in under 30 minutes
  • Supports card-present, online, tableside, and mobile wallet payments
  • Integrates with Oracle Micros, NCR, Squirrel Systems, Agilysys, and Appetize
  • Includes reporting, reconciliation, gateway, API, and chargeback capabilities
Cons
  • All-In has processing minimums
  • All-In requires a minimum two-year term
  • Processing fees are separate from advertised software fees
  • Pricing centers on transaction processing rather than a stated monthly software fee
  • POS ecosystem support is concentrated around listed integrations
  • Hardware and payment features may exceed the needs of narrow-use operators
Our verdict

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 →

Elavon Restaurant Payments combines restaurant payment processing, POS capabilities, and payment gateway connections for quick-service, full-service, and growing restaurant businesses. It is designed for operators that need to accept…

Read the review →
  1. SpotOn Payment ProcessingRestaurant Payment Processing Software 7.7Free plan · paid from $55/mo
  2. Elavon Restaurant PaymentsRestaurant Payment Processing Software 6.9Paid

Strengths and trade-offs

  • 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

  • Elavon Restaurant Payments — where it wins

    • Supports card-present, online, tableside, and mobile wallet payments
    • Integrates with Oracle Micros, NCR, Squirrel Systems, Agilysys, and Appetize
    • Includes reporting, reconciliation, gateway, API, and chargeback capabilities

    Where it doesn't

    • Pricing centers on transaction processing rather than a stated monthly software fee
    • POS ecosystem support is concentrated around listed integrations
    • Hardware and payment features may exceed the needs of narrow-use operators
  • SpotOn Payment Processing7.7/10 · Free plan · paid from $55/mo

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

    Visit SpotOnFull verdict →
  • Elavon Restaurant Payments6.9/10 · Paid

    A restaurant-focused payment stack for major POS ecosystems and omnichannel service.

    Visit ElavonFull verdict →

More comparisons

All restaurant payment processing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Last updated · How we research and update