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SpotOn

SpotOn

Restaurant POS & Payments

VS

Instabill

Cannabis and high-risk merchant categories

Instabill
Fees from
1.99% + $0.25 in-person vs 2.5-3.5% for high-risk categories
Features

0 shared

1 unique to SpotOn · 1 unique to Instabill
Regions

1 shared

Pay methods

1 shared

4 unique to SpotOn · 3 unique to Instabill

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Show full specs
2 features · 8 payment methods · 1 regions. We don't rank these — they're here for reference.
SpotOn SpotOn
Instabill Instabill
Quick Facts
Fees
Standard transaction rate
1.99% + $0.25 in-person
2.5-3.5% for high-risk categories
Settlement
Time to receive funds
—
—
Founded
2017
2005
Headquarters
San Francisco, California
United States
Sandbox / Test Mode
—
—
Webhook Support
✓
—
Features
High Risk Accepted Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
SpotOn leads (5 vs 4)
Ach Unique
—
✓
Apple Pay Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card
✓
✓
Google Pay Unique
✓
—
Mastercard Unique
—
✓
Visa Unique
—
✓
Regions
North America
✓
✓

SpotOn is best when you...

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

Instabill is best when you...

Cannabis and high-risk merchant categories
Need High Risk Accepted
Not available with SpotOn
View Instabill

Frequently Asked Questions

What is the difference between SpotOn and Instabill?
They share 1 payment method and 1 region. SpotOn adds Apple Pay, Contactless, Credit Card and 1 more that Instabill does not list; Instabill adds ACH, Mastercard, Visa that SpotOn does not list; only SpotOn offers Startup Friendly; only Instabill offers High Risk Accepted.
Which is cheaper, SpotOn or Instabill?
SpotOn has published rates from 1.99% + $0.25 in-person; Instabill has published rates from 2.5-3.5% for high-risk categories. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SpotOn and Instabill?
SpotOn lists 1 region and 5 payment methods; Instabill 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 Instabill compare on integration and settlement?
SpotOn supports webhooks.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing.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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