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SpotOn

SpotOn

Restaurant POS & Payments

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
1.99% + $0.25 in-person vs Interchange + + $0.3
Features

0 shared

1 unique to SpotOn · 3 unique to Adyen
Regions

1 shared

7 unique to Adyen
Pay methods

4 shared

1 unique to SpotOn · 33 unique to Adyen

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4 features · 38 payment methods · 8 regions. We don't rank these — they're here for reference.
SpotOn SpotOn
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
1.99% + $0.25 in-person
Interchange + + $0.3
Settlement
Time to receive funds
—
1–3 business days
Founded
2017
2006
Headquarters
San Francisco, California
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Adyen leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Adyen leads (37 vs 5)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay
✓
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard Unique
—
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Adyen leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

SpotOn is best when you...

Restaurant POS & Payments
Need Startup Friendly
Not available with Adyen
View SpotOn

Adyen is best when you...

Platforms & Marketplaces
Need Enterprise
Not available with SpotOn
Need Instant Payout
Not available with SpotOn
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania, Southeast Asia
SpotOn doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between SpotOn and Adyen?
They share 4 payment methods and 1 region. SpotOn adds Contactless that Adyen does not list; Adyen adds ACH, Affirm, Afterpay and 30 more that SpotOn does not list; Adyen also covers Africa, Asia and 5 more; only SpotOn offers Startup Friendly.
Which is cheaper, SpotOn or Adyen?
SpotOn has published rates from 1.99% + $0.25 in-person; Adyen has published rates from Interchange + + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SpotOn and Adyen?
SpotOn lists 1 region and 5 payment methods; Adyen lists 8 and 37. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SpotOn and Adyen compare on integration and settlement?
Adyen offers a sandbox, SpotOn does not list one; both support webhooks; Adyen publishes a settlement time of 1–3 business days.

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