Scott S.
High fees and unexpected charges
New customer here. Spot On was recommended by my Merchant services account representative. It's been more bad than good, alas. I judge from his feedback that he is not happy either. On the plus side, the terminal was easy to set up, and had already been configured with the correct information. The terminal has some nice features. However, it does not do over-the-phone charges, which are sometimes a necessity in my business. It times out before you can put in all the information. It also requires inputting the entire address associated with the card, unlike any other terminal I have ever used. It is very awkward to do this using the tiny on-screen keyboard. I contacted customer service to fix this, but the fix that was supposedly going to solve the problem did not work. This is a serious weakness. Customer service is responsive, and tries to be helpful. But I get the impression that they are using freelance help that isn't well-versed in the product. A fair percentage of the agents appear not to be native English speakers. Now the bad: Spot On charged me nearly $400 for the terminal. In 26 years of doing business I've dealt with 6 or 7 merchant services companies, and Spot On is the first to charge for a terminal. I'd had the service for several weeks now, was not expecting this charge, and now my rent check is going to bounce because of it. These terminals are selling online for way less than $400. The terminal will not hold a charge for more than a couple hours, so you have to keep it plugged in. And then there are the charges. Spot On takes a flat 4 percent of every transaction, whether credit or debit. This is really high. I understand that there is a lot of credit card fraud, and that there are rewards cards. But again, the 4 percent charge applies even to debit cards, which is most transactions. This is not justifiable. Furthermore, I have a nearly spotless record with exactly one chargeback in the last 20 years. I should get a better rate. I took this up with customer service and they gave me a gobbledygook explanation that seemed intentionally confusing. Basically it came down to this: If you don't like the 4 percent charge, then build in a "convenience fee" for every sale. Ok, but that's the sort of thing that will drive customers off. I suspect there will be some other charges too, so I will have to minutely examine my statements for the foreseeable future, which is a nuisance. With this company there are surprises. And not the good kind. I cannot recommend them. Merchant Services is a very competitive market, and Spot On falls short against other services. I hasten to add that I rarely, almost never, leave negative reviews. It takes an exceptional experience to generate one.
Response from SpotOnJan 9, 2025
Hi Scott, this is never the experience we want you to have at SpotOn. Thank you for sharing this feedback, and please expect a member of our team to reach out.




