The short answer
The registry records SpotOn Restaurant POS & Payment Gateway as a possible interpretation of SPOTON* TRANS RESTAURANT. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
What do the parts of SPOTON* TRANS RESTAURANT mean?
- SPOTON * TRANS RESTAURANT
- Before the asterisk, "SPOTON" usually names the platform or parent company. After it, "TRANS RESTAURANT" usually names the product, store or order. How descriptors work →
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
Why it shows up like this
Unreviewed registry note: 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.
Unreviewed registry note: 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.
Unreviewed registry note: 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
Unreviewed registry note: Review your account activity and official billing records to confirm the legitimacy of this transaction.
- Unreviewed registry note: A monthly SaaS software subscription fee for SpotOn Restaurant POS or SpotOn Retail.
- Unreviewed registry note: A customer purchase or bar tab settled through a SpotOn payment terminal.
- Unreviewed registry note: A digital marketing or online ordering add-on software fee.
Frequently Asked Questions
Why does SpotOn appear on my dining receipt?
Unreviewed registry note: 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.
Dispute Rights & Fraud Prevention
Unreviewed registry note: If you did not authorize this charge, verify your paper dining receipts or contact SpotOn support.
How do I report an unexpected SpotOn charge?
Unreviewed registry note: Call SpotOn support at 1-877-814-4102 or submit a dispute to your card issuer.
Independent reference — not affiliated with SpotOn Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- SpotOn Merchant Agreement & Terms https://www.spoton.com
- CFPB: Commercial Payment Processing Protections https://www.consumerfinance.gov
Evidence review pending · pending · About UnknownCharges