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SpotOn

SpotOn

Restaurant POS & Payments

VS

Monoova

Australian Payment Automation

Monoova
Fees from
1.99% + $0.25 in-person vs Per-transaction pricing
Features

0 shared

1 unique to SpotOn · 2 unique to Monoova
Regions

0 shared

1 unique to SpotOn · 1 unique to Monoova
Pay methods

3 shared

2 unique to SpotOn · 2 unique to Monoova
On settlement

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Show full specs
3 features · 7 payment methods · 2 regions. We don't rank these — they're here for reference.
SpotOn SpotOn
Monoova Monoova
Quick Facts
Fees
Standard transaction rate
1.99% + $0.25 in-person
Per-transaction pricing
Settlement
Time to receive funds
—
—
Founded
2017
2005
Headquarters
San Francisco, California
Australia
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Monoova leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card
✓
✓
Direct Debit Unique
—
✓
Google Pay
✓
✓
Regions
North America Unique
✓
—
Oceania Unique
—
✓

SpotOn is best when you...

Restaurant POS & Payments
Need Startup Friendly
Not available with Monoova
Want coverage in North America
Monoova doesn't cover this region
View SpotOn

Monoova is best when you...

Australian Payment Automation
Need Enterprise
Not available with SpotOn
Need Instant Payout
Not available with SpotOn
Want coverage in Oceania
SpotOn doesn't cover this region
View Monoova

Frequently Asked Questions

What is the difference between SpotOn and Monoova?
They share 3 payment methods and 0 regions. SpotOn adds Contactless, Credit Card that Monoova does not list; Monoova adds Bank Transfer, Direct Debit that SpotOn does not list; SpotOn also covers North America; Monoova also covers Oceania.
Which is cheaper, SpotOn or Monoova?
SpotOn has published rates from 1.99% + $0.25 in-person; Monoova has published rates from Per-transaction pricing. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SpotOn and Monoova?
SpotOn lists 1 region and 5 payment methods; Monoova lists 1 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SpotOn and Monoova compare on integration and settlement?
Monoova offers a sandbox, SpotOn does not list one; both support 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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