Tallo vs SpotOn
Tallo vs SpotOn
An honest side-by-side for independent venues. Every SpotOn fact links to its source, checked October 30, 2026.
SpotOn · POS Essentials
$22,157 /yr
Tallo · Pro
$19,047 /yr
Difference
$3,110 less /yr on Tallo
Example: $60,000/month in in-person card sales at a $28 average check. Software + processing only. Run your own numbers.
Side by side
| SpotOn | Tallo | |
|---|---|---|
| Published pricing | Two plans published; Build Your Own is customsource | Fully published, including interchange-plus |
| Software | POS Essentials $55/station/mo; All-In $0 with hardware includedsource | Free, Pro $59/location/mo (unlimited devices), Plus $149 |
| In-person card rate | 2.45% + 15¢ (Essentials); 2.79% + 20¢ (All-In)source | 2.29% + 10¢ (Free), 2.19% + 10¢ (Pro/Plus), or IC + 0.35% + 8¢ (Plus) |
| Keyed rate | 3.45% + 15¢ (Essentials); 3.79% + 20¢ (All-In)source | Shown before you take the payment |
| Bring your own processor | SpotOn provides integrated payments for all its POS offeringssource | Yes, on every plan, no penalty |
| Contract | Essentials month to month; All-In has a 2-year minimum termsource | Month to month. No early termination fee |
| Kitchen display | $20/mo per station + $500 hardware + $100 installsource | Included on Pro. Runs on any tablet, no per-screen fee |
| Offline mode | Yessource | Yes |
| QR pay at table | Mobile Pay & Reviewsource | On Plus |
| Surcharging | Surcharging and dual pricing offeredsource | Off by default. State rules built in if you enable it |
SpotOn information is from its public US web pages as of October 30, 2026; your own agreement may differ. Tallo is onboarding its first venues, and some features roll out in stages. Spot something out of date? Email hello@tallopay.com and we'll fix it.
Where SpotOn is strong
- All-In plan bundles hardware with no upfront cost.
- Hands-on installation and local support teams.
- Built-in marketing, loyalty and review tools.
Why venues pick Tallo
- Keep your own processor on any plan — or use ours at a published rate.
- No hardware contract. Run on affordable Android tablets.
- Kitchen display, tips and tip-out included on Pro, with no per-screen fees.
- Month to month, with your menu and staff migrated for you in 48 hours.
Thinking about leaving SpotOn?
Join the waitlist and we'll walk you through switching — menu migration, staff setup and timing it around your current contract.