The short answer
A transaction for SPOTON* TRANS RESTAURANT represents a monthly restaurant/retail POS software fee ($65/mo), digital marketing module, or dining purchase processed by SpotOn Inc.
Why it shows up like this
A bank statement listing SPOTON* TRANS RESTAURANT represents a transaction processed by SpotOn Inc., a provider of cloud point-of-sale software, payment gateways, and digital marketing tools for restaurants and retail businesses. This billing entry typically reflects a monthly software subscription fee for restaurant management tools, hardware leasing charges, or a customer payment receipt from dining at an establishment utilizing SpotOn terminals.
Business owners and merchant operators see this descriptor when paying recurring software licensing fees for POS hardware, payroll modules, or customer loyalty programs. Alternatively, consumers dining out may spot this merchant name on their card statements because the restaurant utilizes SpotOn payment processing hardware to authorize and capture credit card transactions at the table or register.
To verify the nature of the transaction, check whether the dollar amount corresponds to a restaurant meal purchase or a software invoice for your business. If the charge is an unrecognized business fee, review your merchant agreement or contact SpotOn support. For consumer dining discrepancies, speak directly with the restaurant manager or contact your bank to dispute the charge.
Common reasons for this charge
Review your account activity and official billing records to confirm the legitimacy of this transaction.
- A monthly SaaS software subscription fee for SpotOn Restaurant POS or SpotOn Retail.
- A customer purchase or bar tab settled through a SpotOn payment terminal.
- A digital marketing or online ordering add-on software fee.
How to locate the invoice and cancel
Review your account activity and official billing records to confirm the legitimacy of this transaction.
- Sign in to SpotOn Dashboard Go to spoton.com/login and sign in with your business owner credentials.
- Review Billing Statements review to Account > Billing & Invoices to view itemized SaaS fees.
- Manage Service Call SpotOn customer support at 1-877-814-4102 to modify software modules or cancel services.
Frequently Asked Questions
Review your account activity and official billing records to confirm the legitimacy of this transaction.
Why does SpotOn appear on my dining receipt?
Many restaurants use SpotOn for payment processing. If the restaurant has not set a custom statement descriptor, SpotOn may appear on your credit card bill.
Can SpotOn issue a direct refund to a consumer?
No, consumers must contact the restaurant or retailer directly to process returns or refunds.
Dispute Rights & Fraud Prevention
If you did not authorize this charge, verify your paper dining receipts or contact SpotOn support.
Dispute unauthorized transactions under the Fair Credit Billing Act within 60 days of the statement date.
How do I report an unexpected SpotOn charge?
Call SpotOn support at 1-877-814-4102 or submit a dispute to your card issuer.
Card issuers must complete their formal billing inquiry within two billing cycles (up to 90 days).
Independent reference — not affiliated with SpotOn Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- SpotOn Merchant Agreement & Terms https://www.spoton.com
- CFPB: Commercial Payment Processing Protections https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges