PalomaPOS vs SpotOn
SpotOn lists two restaurant plans: All-In at $0 per station per month with 2.79% + $0.20 card present and a 2-year minimum term, and POS Essentials at $55 per station per month with 2.45% + $0.15, month-to-month. PalomaPOS is $0/month software with PalomaPOS processing and no cancellation fee.
| Feature | PalomaPOS | SpotOn |
|---|---|---|
| Monthly software fee | $0/month with PalomaPOS processing | All-In plan $0/station per month; POS Essentials $55/station per month[1] |
| In-person card rate | Custom quote from your current statement | Card present: 2.79% + $0.20 (All-In); 2.45% + $0.15 (POS Essentials; Amex 3.19% + $0.15)[1] |
| POS hardware | At cost, or free placement for qualifying volume | SpotOn's own hardware only; included on All-In, bought or financed on POS Essentials[1] |
| Payouts | Same-day funding, with an instant funding option | Varies — check current terms |
| Contract & cancellation | Month-to-month, no cancellation fee; return the terminal if you leave | All-In: 2-year minimum term and processing minimums; POS Essentials: month-to-month[1] |
| Setup & menu build | Free menu build and data migration; remote setup by video call | Implementation costs apply (custom menu build, installation, training)[1] |
| Support | People, in English & Spanish, Mon–Fri 9 AM–6 PM ET | 24/7/365 technical support at no extra cost[1] |
| Offline mode | Orders, cash, printing & KDS keep working; cards offline on Valor terminals only | Varies — check current terms |
| Cash discount program | Varies — check current terms | |
| Business banking | Embedded banking | Varies — check current terms |
SpotOn facts are quoted from the vendor's own website as checked on October 24, 2026; the number after each one points to its source below. Prices and terms change — verify them on the vendor's site before you decide. SpotOn is a trademark of its owner; PalomaPOS is not affiliated with, endorsed by, or sponsored by SpotOn.
Sources (checked October 24, 2026)
- [1] SpotOn — Restaurant pricing https://www.spoton.com/pricing/
Vendors change their prices and terms, and they can depend on your plan, location, and volume — verify current terms on the vendor's site before you decide. “Varies — check current terms” means we haven't verified a published figure.
How PalomaPOS differs from SpotOn
SpotOn's pricing page is explicit about the trade-off: All-In includes hardware and software with no upfront cost and pays for them through a higher card rate, with processing minimums and a 2-year minimum term; POS Essentials costs $55 per station per month, with hardware bought or financed and implementation costs on top. SpotOn says its POS runs on SpotOn's own proprietary hardware, not your own tablets.
With PalomaPOS, POS software is $0/month when you process with us, terms are month-to-month with no cancellation fee, and processing is quoted from your current statement. Menu build and data migration are free, setup is done by video call, same-day funding is included, and our team supports you in English and Spanish, Monday–Friday, 9 AM – 6 PM ET, at (888) 365-0704.
Not sure what you pay today? Send us your SpotOn statement — a person reads it, explains every fee, and replies with a written quote.
Who should switch — and who should stay with SpotOn
Switch to PalomaPOS if…
- You want $0/month software without a 2-year minimum term
- You'd rather not pay implementation costs for menu build and setup
- You want hardware at cost, or free placement for qualifying volume
- You want support from people in English and Spanish
Stay with SpotOn if…
- You need 24/7/365 technical support
- You use SpotOn's Core Bundle — Profit Assist, SpotOn Order, and Marketing Assist
- You want SpotOn to install the system and train your team as part of its implementation
FAQ
How do SpotOn's rates compare with PalomaPOS?
SpotOn's pricing page lists 2.79% + $0.20 for card-present payments on All-In and 2.45% + $0.15 on POS Essentials (Amex 3.19% + $0.15), checked October 24, 2026. PalomaPOS processing is a custom quote: check your effective rate at /calculator, or send us your statement and a person will review it for free and reply with a written quote.
Can I switch from SpotOn mid-contract?
It depends on your plan and agreement: SpotOn lists a 2-year minimum term and processing minimums on All-In, and month-to-month terms on POS Essentials. Check your agreement, then start PalomaPOS when your terms allow — at one location first if you like.
Can I keep my SpotOn hardware?
SpotOn says its POS runs on SpotOn's own proprietary hardware. PalomaPOS runs on Valor and Sunmi POS terminals with built-in printers, on Android tablets and phones, and on iPhone and iPad, with hardware at cost or free placement for qualifying volume.
How does PalomaPOS compare on cost vs SpotOn?
POS software is $0/month with PalomaPOS processing, hardware is at cost or free placement for qualifying volume, menu build and migration are free, and processing is quoted from your current statement. A person reviews your statement for free so you can compare.
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Ready to grow your food business without the busywork?
Book a free 15‑minute demo. We'll walk through your menu and your current processing statement — and answer every question, no pressure.
Same‑day funding
Get paid the same day, every day.
Hardware at cost
Or free placement for qualifying processing volume.
Setup included
Menu build, data migration, and staff training.
Or email sales@palomapos.com