# SpotOn Payments vs Merchant.app

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.

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.

## The numbers

| Metric | SpotOn Payments | Merchant.app |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (29 ratings)](https://appshunter.io/ios/app/spoton-payments/id1435367783/reviews)** | [4.5 (8 ratings)](https://appshunter.io/ios/app/merchantapp/id6443734854/reviews) |
| Number of ratings | **29** | 8 |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free | Free |
| Size | 76 MB | 160 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [SpotOn Transact, Inc](https://appshunter.io/developer/498392521) | [Merchant Platforms, Inc.](https://appshunter.io/developer/1648883273) |

## What reviewers say

### SpotOn Payments

[App page](https://appshunter.io/ios/app/spoton-payments/id1435367783)

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.

**Highlights:** Accept credit card transactions, Record cash transactions, Process refunds, Email receipts, View transaction history

**Features:** macOS Compatibility

**In-app purchases:** none


### Merchant.app

[App page](https://appshunter.io/ios/app/merchantapp/id6443734854)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SpotOn Payments free?

SpotOn Payments is free to download, with no in-app purchases.

### Is Merchant.app free?

Merchant.app is free to download, with no in-app purchases.

### Which has better reviews, SpotOn Payments or Merchant.app?

SpotOn Payments is rated higher. SpotOn Payments averages 4.7 out of 5 from 29 ratings, while Merchant.app averages 4.5 from 8 ratings.

### Do SpotOn Payments or Merchant.app have ads?

Neither SpotOn Payments nor Merchant.app shows ads.

### Which is updated more often, SpotOn Payments or Merchant.app?

SpotOn Payments ships an update every 2 weeks, and Merchant.app every 2 weeks. Most recently, SpotOn Payments was updated on October 24, 2026 and Merchant.app on October 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*