ProPay Payments vs SpotOn Payments
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ProPay Payments
Accept credit card payments securely on your mobile device. Process chip and swipe cards, manually enter payments, and store customer information for future transactions. Access funds via a prepaid debit card and monitor your business activity with transaction reviews and refunds.
- Accept chip and swipe credit cards
- Manual card entry
- Securely store customer payment info
- Offline payment processing
- Access funds via prepaid debit card
- Monitor transactions and balances
- Add sales tax and tips
Read full descriptionHide full description
Securely accept credit card payments on your phone or tablet using ProPay’s credit card processing app. Accept payments from all major credit card brands (Visa, MasterCard, Discover and American Express) at rates as low as 1.99% per transaction and no hidden fees. Card Processing Solutions • Quickly process credit card payments at low rates with a mobile card reader • Accept chip cards (EMV) and swipe cards • Manually enter card numbers if you aren’t near your card reader • Securely store a customer’s payment information to be charged for future purchases • Accept a credit card payment when you don’t have data coverage and process it as soon as you get back into coverage • Even more processing options are available with your ProPay account online: http://www.propay.com/products-services/accept-payments/ Accessing Funds • Access your funds with a ProPay Prepaid debit MasterCard • Quickly transfer funds to your bank account within the mobile app Monitor Your Business • Check your available and pending account balances • Review pending, completed and declined transactions • Refund or cancel transactions • Manage transfers to your bank account. Additional Features: • Include sales tax and allow customers to add a tip to their order • Capture your customer’s signature and then e-mail them a receipt. The ProPay App allows you to access all these features from any compatible smartphone or tablet and is available for all ProPay Merchants. Compatibility and Requirements: - ProPay account required. If you do not have an account, sign up at www.ProPay.com - Certain features of the ProPay App require an active ProtectPay Online subscription. - The ProPay JAK is currently compatible with the majority of Apple smartphones and tablets. For a complete list of compatible devices, please visit the following website link: http://www.propay.com/products-services/accept-payments/jak-card-reader/androiddevices/ Learn more or sign up for an account today at www.propay.com
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
Read full descriptionHide full description
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.
Screenshots
Verdict
The clearest difference is review sentiment: SpotOn Payments at 100% against ProPay Payments's 19%. SpotOn Payments also leads on rating (4.7 vs 2.8) and update cadence (every 2 weeks vs every 3 months). On price, ratings volume, ads and in-app purchases 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 2.8. Both are backed by a comparable volume of ratings — 62 and 29 respectively. Written reviews point the same way: 19% of ProPay Payments's written reviews are positive against 100% of SpotOn Payments's.
ProPay Payments ships an update every 3 months, SpotOn Payments every 2 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | ProPay Payments | SpotOn Payments |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (62 ratings) | 4.7 (29 ratings) — better |
| Positive reviews | 19.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 62 — better | 29 |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.0 | 12.0 |
| Further details — not scored | ||
| Size | 43 MB | 76 MB |
| Age rating | 4+ | 4+ |
| Developer | TSYS Acquiring Solutions, L.L.C. | SpotOn Transact, Inc |
Customer experience
ProPay Payments
SpotOn Payments
In-app purchases
ProPay Payments
No in-app purchases
SpotOn Payments
No in-app purchases
Questions
Is ProPay Payments free?
Is SpotOn Payments free?
Which has better reviews, ProPay Payments or SpotOn Payments?
Do ProPay Payments or SpotOn Payments have ads?
Which is updated more often, ProPay Payments or SpotOn Payments?
Other comparisons
