Small business payment processing
Maximize your business’s cash flow
Pick your payment processing rate plan
Pay only 2.45% + $0.15 for all card present types except American Express (3.19% + $0.25). Pay 3.45% + $0.15 for keyed cards and online ordering. No arbitrary, confusing tiers for corporate or reward cards. Best fit for most businesses.
Offset credit card processing fees with compliant dual pricing (aka cash discount). Often called “Zero-Fee Processing” by other providers, SpotOn will configure your POS terminal to show prices for cash payments and a lifted price for card payments.
Help offset credit card processing fees by charging a small fee to customers that choose the convenience of paying by credit card. SpotOn configures your POS terminal to automatically distinguish between credit and debit/prepaid cards, ensuring compliance by only applying surcharge to eligible credit card transactions. Not eligible in all states.
Find more solutions for your business type
FAQ
SpotOn provides flexible rate plans to choose from based on your business and cash flow needs. Our Preferred Processing Plan is the best fit for most businesses with rates at 2.45% + $0.15 for all card present transactions except American Express transactions, which are 3.19% + $0.15. Keyed / card-not present rates, including virtual terminal payments and invoicing, are 3.45% + $0.15. For small businesses looking to reduce upfront costs or help offset credit card processing fees, we also have dual pricing and surcharge options.
SpotOn Terminal accepts a variety of payment types, including cards, Apple Pay, and Google Pay. You can also manage cash transactions at the point-of-sale. SpotOn clients also have access to a virtual terminal for online payments and invoicing.
Rapid Fund is available to help restaurants maximize cash flow, with transfers available day or night, 365 days a year. No waiting it out over the weekend or holidays. Transfers reach your bank account in 30 minutes or less after batching out for a low rate of 0.2% per deposit. SpotOn also offers morning funding for no additional cost, which transfers funds on the morning of the first business day after batching out.