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SpotOn

SpotOn

Restaurant POS & Payments

VS

Fast (Affirm)

Accelerated checkout with BNPL integration

Fast (Affirm)
Fees from
1.99% + $0.25 in-person vs Custom
Features

0 shared

1 unique to SpotOn · 3 unique to Fast (Affirm)
Regions

1 shared

Pay methods

4 shared

1 unique to SpotOn
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
4 features · 5 payment methods · 1 regions. We don't rank these — they're here for reference.
SpotOn SpotOn
Fast (Affirm) Fast (Affirm)
Quick Facts
Fees
Standard transaction rate
1.99% + $0.25 in-person
Custom
Settlement
Time to receive funds
—
—
Founded
2017
2019
Headquarters
San Francisco, California
San Francisco, California
Sandbox / Test Mode
—
—
Webhook Support
✓
—
Features
Fast (Affirm) leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
SpotOn leads (5 vs 4)
Apple Pay
✓
✓
Contactless Unique
✓
—
Credit Card
✓
✓
Debit Card
✓
✓
Google Pay
✓
✓
Regions
North America
✓
✓

SpotOn is best when you...

Restaurant POS & Payments
Need Startup Friendly
Not available with Fast (Affirm)
View SpotOn

Fast (Affirm) is best when you...

Accelerated checkout with BNPL integration
Need Enterprise
Not available with SpotOn
Need Instant Payout
Not available with SpotOn
View Fast (Affirm)

Frequently Asked Questions

What is the difference between SpotOn and Fast (Affirm)?
They share 4 payment methods and 1 region. SpotOn adds Contactless that Fast (Affirm) does not list; only SpotOn offers Startup Friendly; only Fast (Affirm) offers Enterprise, Instant Payout and 1 more.
Which is cheaper, SpotOn or Fast (Affirm)?
SpotOn has published rates from 1.99% + $0.25 in-person; Fast (Affirm) has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SpotOn and Fast (Affirm)?
SpotOn lists 1 region and 5 payment methods; Fast (Affirm) lists 1 and 4. 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 Fast (Affirm) compare on integration and settlement?
SpotOn supports webhooks.

Are you SpotOn or Fast (Affirm)?

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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