SpotOn Payments vs Merchant.app
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SpotOn Payments
This mobile app enables merchants to accept payments on the go. When used with a compatible card reader, it facilitates credit card transactions, records cash payments, processes refunds, sends email receipts, and provides access to transaction history.
- Accept credit card transactions
- Record cash transactions
- Process refunds
- Email receipts
- View transaction history
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The SpotOn payments app is a mobile app that allows merchants to take a payment on the move. Paired with the SpotOn card reader, the SpotOn Payments app gives SpotOn merchants the ability to run credit card transactions, record cash transactions, run refunds, email receipts, and view transaction history.
Merchant.app
This app streamlines payment processing for businesses, allowing for quick transactions via terminal, text, or email. It offers a real-time dashboard to monitor all business transactions and refunds, ensuring secure and efficient customer payments.
- Process payments via terminal, text, or email
- Lightning-fast transactions
- Customer payments via phone or email
- Real-time transaction dashboard
- Refund tracking
- Industry-leading data security
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An ideal system for businesses, Merchant Platforms will help you process your payments and impress your customers through terminal, text or email payment prompts and lightning-fast transactions. Customers can make payments instantly through their phone or email without the hassle of credit card authorization forms. A dashboard with real-time updates helps you keep track of all the transactions and refunds within your business. Merchants and customers can rest assured that each payment is kept safe and secure through industry-leading data security standards.
Screenshots
Verdict
SpotOn Payments and Merchant.app both sit at 4.7 stars, but that hides the real split: 100% of SpotOn Payments's written reviews are positive against 50% of Merchant.app's. SpotOn Payments also leads on ratings volume (29 vs 8) and iOS requirement (12.0 vs 15.1). On price, rating, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SpotOn Payments holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 29 and 8 respectively. Written reviews point the same way: 100% of SpotOn Payments's written reviews are positive against 50% of Merchant.app's.
Both ship on a similar rhythm, roughly every 2 weeks. Both last shipped on October 24, 2026.
| Parameter | SpotOn Payments | Merchant.app |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (29 ratings) — better | 4.5 (8 ratings) |
| Positive reviews | 100.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 29 — better | 8 |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 76 MB | 160 MB |
| Age rating | 4+ | 4+ |
| Developer | SpotOn Transact, Inc | Merchant Platforms, Inc. |
Customer experience
SpotOn Payments
Merchant.app
In-app purchases
SpotOn Payments
No in-app purchases
Merchant.app
No in-app purchases
Questions
Is SpotOn Payments free?
Is Merchant.app free?
Which has better reviews, SpotOn Payments or Merchant.app?
Do SpotOn Payments or Merchant.app have ads?
Which is updated more often, SpotOn Payments or Merchant.app?
Other comparisons
