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SpotOn

SpotOn

Restaurant POS & Payments

VS

Rakuten Pay

Japanese Cashless Payments

Rakuten Pay
Fees from
1.99% + $0.25 in-person vs 3.24% for merchants
Features

0 shared

1 unique to SpotOn
Regions

0 shared

1 unique to SpotOn · 1 unique to Rakuten Pay
Pay methods

2 shared

3 unique to SpotOn · 2 unique to Rakuten Pay
On payment methods

SpotOn supports 5 payment methods, 1 more than Rakuten Pay. Verify directly with each provider before signing.

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Show full specs
1 features · 7 payment methods · 2 regions. We don't rank these — they're here for reference.
SpotOn SpotOn
Rakuten Pay Rakuten Pay
Quick Facts
Fees
Standard transaction rate
1.99% + $0.25 in-person
3.24% for merchants
Settlement
Time to receive funds
—
Next business day
Founded
2017
2018
Headquarters
San Francisco, California
Tokyo, Japan
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
SpotOn leads (1 vs 0)
Startup Friendly Unique
✓
—
Payment Methods
SpotOn leads (5 vs 4)
Apple Pay Unique
✓
—
Contactless
✓
✓
Credit Card
✓
✓
Debit Card Unique
✓
—
Google Pay Unique
✓
—
Mobile Wallet Unique
—
✓
Qr Code Unique
—
✓
Regions
Asia Unique
—
✓
North America Unique
✓
—

SpotOn is best when you...

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

Rakuten Pay is best when you...

Japanese Cashless Payments
Want coverage in Asia
SpotOn doesn't cover this region
View Rakuten Pay

Frequently Asked Questions

What is the difference between SpotOn and Rakuten Pay?
They share 2 payment methods and 0 regions. SpotOn adds Apple Pay, Debit Card, Google Pay that Rakuten Pay does not list; Rakuten Pay adds Mobile Wallet, QR Code that SpotOn does not list; SpotOn also covers North America; Rakuten Pay also covers Asia.
Which is cheaper, SpotOn or Rakuten Pay?
SpotOn has published rates from 1.99% + $0.25 in-person; Rakuten Pay has published rates from 3.24% for merchants. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SpotOn and Rakuten Pay?
SpotOn lists 1 region and 5 payment methods; Rakuten Pay lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SpotOn and Rakuten Pay compare on integration and settlement?
Rakuten Pay offers a sandbox, SpotOn does not list one; both support webhooks; Rakuten Pay publishes a settlement time of Next business day.

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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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