PayFacto
5.8#16 in restaurant payment processing softwareAndroidiOSWebAPI
VisitPayFacto vs SpotOn Payment Processing
SpotOn Payment Processing
7.9#3 in restaurant payment processing softwareFrom $25 a monthFree planAndroidiOSWebAPI
VisitWhat both publish
| Fact | PayFacto | SpotOn Payment Processing |
|---|---|---|
| Headquarters | Montreal, Canada | San Francisco, California, United States |
| Integrations | PayFacto lists integrations including COBA, Freebees, Hopem, NMI, Hotello, Paymentree, and PrestaShop. | Preferred integrations cover ordering, delivery, AI phone ordering, labor, inventory, KDS, kiosks, reservations, accounting and payroll, including DoorDash, Uber Eats, 7shifts, MarginEdge, OpenTable, Shogo and DAVO. |
| Payment methods | Its integrated gateway page lists Interac, Visa, Mastercard, Amex, and Discover transactions. | The payment service accepts cards, Apple Pay, Google Pay and cash, with virtual-terminal and invoicing options. |
| Security | PayFacto describes encryption and fraud prevention tools for e-commerce payments and offers 3D Secure for online transactions. | SpotOn says payment data is protected under PCI-DSS and card fields use SSL encryption. |
| What it does | PayFacto provides payment processing and payment solutions for merchants, ISVs, ISOs, agents, and payment facilitators. | SpotOn provides cloud restaurant and small-business POS, integrated payment processing, online ordering, reservations, labor tools, marketing, loyalty and reporting. |
PayFacto plans
- Customized payment solutionsPriced on request
SpotOn Payment Processing plans
- POS Essentials$55 a month
- Build Your OwnPriced on request
- All-In PlanFree
- Quick StartFree
- Terminal$25 a month
- Core Bundle$50 a month
Pick PayFacto if…
PayFacto suits merchants and payment businesses looking for in-person or online payment options. Restaurants may also consider its Maitre’D and Veloce POS products.
Pick SpotOn Payment Processing if…
It suits businesses that need payment acceptance across in-person, online, tableside, or mobile settings alongside POS tools. The custom bundle is described for multi-unit, enterprise, and high-volume operations.