PayJunction vs SpotOn

Stripe

Square Point of Sale

Clover

Toast POS

PayPal Checkout

ddSuite

Compare PayJunction and SpotOn based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Stripe is a comprehensive financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration, supporting over one hundred payment methods across multiple currencies. Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

PayPal Checkout is a payment checkout platform that enables retailers to process payments via various payment modes.

ddSuite software from DDC Schweiz allows object data of large infrastructure objects to be viewed from the overall view down to the smallest detail, managed and orders and invoices to be triggered.

PayJunction is a payment gateway & merchant service which provides mid to large scale enterprises with the tools to process all payment types in store or online

ACH Payment Processing

Contact Database

Credit Card Processing

Customer Accounts

Customer History

Customizable Reports

Debit/Credit Card Processing

Electronic Payments

Electronic Signature

Email Management

Fraud Detection

In-Person Payments

Mobile Payments

Multi-Location

Online Payments

Payment Gateway Integration

Payment Links

Payment Processing

PCI Compliance

Point of Sale (POS)

Projections

Receipt Management

Recurring/Subscription Billing

Reporting/Analytics

Sales Reports

Search/Filter

Status Tracking

Third-Party Integrations

Transaction History

Transaction Monitoring

PayJunction

Web-based

iPad

iPhone

Admin Assistant

This is very user friendly and if we experience any difficulties we just call and someone is very helpful to assist in problem solving. Everyone has been very supportive and is very helpful.

Billing Manager

It is a great product and they do a great job supporting it. The staff are friendly and professional and always resolve my problems quickly.

President

Support - they are friendly and available when they are needed. I love the kiosk that is provided - we've received numerous compliments about how easy it is to use, and how fast it is.

Operate my own business--owner

I am responsible for managing associations and we had to find a very good company at a good price point. We found Pay Junction and it fitted our needs very well.

PayJunction has been a super convenient and helpful solution with instantaneous access to customer profiles and capture data.

Finance Manager

We have been using it for quite a number of years and it has really helped our business. Would recommend to anyone looking for a wonderful credit card/check processing company.

Owner

There's no support on weekends. They lost Shopify integration and do not have a mobile card reader yet, so I have to use separate companies for those two things.

office Manager

We love the ease of processing and patients love the emailed reciepts.

Office Manager

I was unsure about the paperless concept but now love it. The customer service dept has always been very helpful and easy to access.

Office Administrator/Manager

I like the ease of use with running cards and the user friendly website. It makes it a breeze to run transactions.

VICE PRESIDENT

We get our money fast and it is very easy to use and setup. Support is great and very easy to reach a real person.

Easy enrollment process, good customer service & like the integration into our operating system.

Counseling

I loved that I was able to get a competitive rate.

Customer service has been great. Very easy to use the software once cards are uploaded.

Integration with WooCommerce and the ability to take the system with us to trade shows is a huge plus.

Accounts Payable

Sometimes, it takes too long to process payment and customers have to wait. They, in turn, get frustrated.

Backend Application Developer

It had fantastic customer service which is why we switched to it in the first place but ultimately switched away from it when we got fed up with losing data because there was no http callback.

Sometimes there might a glitch in syncing with sycle but for the most part no real negative opinion.

PayJunction screenshot: Manage transactions from credit or debit cards, e-checks, and the PayJunction smart terminal

PayJunction screenshot: View reports and analytics on business metrics such as average transaction amounts, totals by brand, and more

PayJunction screenshot: Search for customers within the database and view their entire transaction history and payment details

PayJunction screenshot: Send customers electronic receipts directly to their device via email

Large Enterprises

Mid Size Business

Small Business

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

Clover is an all-in-one platform designed to help on and offline retailers, quick service restaurants, and other service businesses manage their point-of-sale operations, with secure payment solutions and reliable business management features

Toast POS solution is a cloud-based restaurant management platform for restaurant owners to reduce staff & operational costs and improve customer experience

SpotOn Restaurant is a cloud-based point of sale (POS) solution designed to help small to medium businesses in the hospitality industry streamline online payments, tableside orders, and fraud protection. The labor management module lets users handle employee hours, gratuities, shifts, and more.

Access Controls/Permissions

Accounting Integration

Activities Booking

Activity Dashboard

Activity Tracking

Alerts/Notifications

Appointment Management

Availability Management

Bar Tab Management

Barcode Recognition

Barcode/Ticket Scanning

Billing & Invoicing

Booking Management

Booking Notes

Built-in Accounting

Calendar Management

Calendar Sync

Calendar/Reminder System

Campaign Analytics

Campaign Management

Campaign Planning

Campaign Scheduling

Campaign Segmentation

Cash Management

Channel Management

Client Portal

Clock In/Out

Commenting/Notes

Contact Management

Customer Activity Tracking

Customer Database

Customer Experience Management

Customer Profiles

Customer Segmentation

Customer Support

Customizable Branding

Customizable Categories

Customizable Fields

Customizable Forms

Customizable Templates

Dashboard

Data Import/Export

Data Security

Delivery Estimate

Delivery Management

Discount Management

Drag & Drop

eCommerce Management

Email Marketing

Email Reminders

Email Templates

Employee Management

Engagement Tracking

Event Marketing

Event Scheduling

Feedback Management

Food Delivery Dispatching

For Bars/Clubs

For Restaurants

For Retail

Gift Card Management

Group Reservations

Inventory Control

Inventory Management

Inventory Replenishment

Inventory Tracking

Invoice Management

Kitchen/Menu Management

Labor Cost Reporting

Loyalty Cards

Loyalty Program

Menu Builder

Mobile Access

Mobile Booking

Monitoring

Multi-Campaign

Multi-Channel Communication

Multi-Channel Marketing

Multiple Payment Options

Negative Feedback Management

Online Booking

Online Ordering

Online Reservations

Order Entry

Order Management

Order Processing

SpotOn

Android

Linux

Windows

President/owner

The ability to set reporting is also a huge plus. Once set up the way you want it, it becomes second nature and its ease of use is superb.

owner

Does not work on their phones. Weird glitches on some reports really set us back months which is a bummer.

Manager

Over all it’s been a great program and great company to work with. Look forward to years of a great relationship.

This one integrates with my Payroll company seamlessly. The online ordering platform used was ridiculously easy and provides a more polished seamless look for my company.

General Manager

Easy to use, great customization, awesome customer service, Sales Rep delivered as promised.

Reporting has been amazing and has really helped our manager stay on top of their metrics. Integrations with 7 Shifts scheduling has been a game changer.

Great way to have more customers having a better experience with your company.

From back office, digital marketing, built our website to take orders off of. The programming is great to allow you to do more tasks with better trained staff.

I love the ease of access of this product the most. Business people hardly have time for anything other than running their business.

Great Restaurant Software - Working to be Great Retail Software.

We love how easy it is to use and how your customer service is available at anytime.

Director of Innovation

Low-maintenance and reliable even at high-volume restaurants. An innovative and evolving platform that adapts quickly to the changing needs of the restaurant industry.

The online ordering with direct tickets to kitchen and bar is a huge advantage this system has. It had increased both revenue and efficiency.

The product is easy to use and has great customer support. Its easy to make changes on the fly.

The team is very overwhelmed and sometimes we have just not received follow up, follow through or accountability on issues. We have had a few customers complain that the OLO App.

Business Developement

It's annoying when I'm eating at a restaurant and it takes my waiter so long to put in orders, print checks, etc. I see them struggling and I want to go install SpotOn myself right then.

On top of that, with the cash discounting, we are saving tons of money.

PayJunction vs SpotOn Comparison (2026)

PayJunction

SpotOn

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives