Spot & Pay FAQ

Spot & Pay is an innovation in the payment industry that will transform the way people use to pay with their credit cards or bank accounts.
Consumers can simply set up an account, add their cards, and pay onsite by scanning the QR code or pay remotely using the Find and Pay feature. They can also set up recurring payments and reminders, as well as access reports, all for free. Business owners can set up an account, download their unique QR code, and paste it wherever they want. Every business account set up can be accessed remotely by consumers in the Spot & Pay business listing.

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There are multiple ways to pay using your app. If you are onsite, you can scan the QR code and pay quickly. If you are remote, you can find the business using the Find and Pay option in the app and pay. If you are a website that has Spot&Pay button, you can click that button and pay.
You can click sign up from our website and create a business account. Once you complete the account creation process, please wait for activation email. After activation your account is ready to use. You can login back and start downloading your QR code to publish anywhere you like. You can even use the code in your website.
Yes, all participating business are listed in our directory. You can search by business name or business ID to find and pay.
If you pay or donate every month, you can set up a recurring payment with our app. Open the report and find the business that you paid before. You have an option to select recurring payment from the report page. Setup date and the number of months for recurring. Spot and Pay will take care of the rest.
From the recurring page, you can either modify or delete.
Go to My Cards section. click the + sign to add your credit or debit card. Enter your card information and you are good to go.
Yes, you can add as many as you want, but only one default is allowed.
Default card is designed for quick payment. On payment screen, you can continue with default card or select the card from dropdown while you pay. A nickname is to identify the connected card. Forex: amex_tom, visa_tom instead of just numbers.
A recurring setup will automatically pay based on the criteria that you set while reminders will just remind you to pay. You can setup remind if you don't pay the same amount everytime.
Under Reports page. Simply navigate to Reports page and see all your transactions. You can even export by using "Email me report" feature on top.
No, we don't. You can export the report anytime to Excel and use it as needed.
Instead of entering value, you can select predefined values to make donations.
Convert to recurring is a feature available in reminders. If you set up a reminder and then decide to make it recurring, you can use this feature to quickly convert the reminders to recurring.
When you export the report, you will get the data in excel format. You can slice and dice however you want.
No. Spot and Pay is a free product for consumers.
Please use our contact us page. We will get back to you asap.
We are committed to security. We do not store PCI data in our servers. Our secured gateway partners keep data secured. Spot and Pay is designed by Industry leaders who been in Fintech industry and been consultants in banking and security industry.
Yes, from the business page, you can send instant messages, weekly message or on-demand messages to your customers.
Spot and Pay user can transfer money to another Spot and Pay user. Simply enroll in the transfer program, connect your bank account, fund your account and start your transfer.
To use the instant transfer, you need to fund your account. An ACH will be triggered from your bank account to your available funds. This transfer could take 2 to 3 days for the funds to be available for you to transfer. Once ACH completes, you can transfer money to anyone who participates in Spot and Pay
Absolutely, you can withdraw full or partial anytime you need it.
Yes, you can connect multiple bank accounts to the same Spot and Pay account.
All you need is their email address. Enter the email address and Spot and Pay will verify if they are available in Spot and Pay network for transfer. The recipient should be in Spot and Pay network and signed up for transfer.