Predictika · POS and payments quotes

An AI sales agent's POS and payments quote, checked before it goes out

An AI sales agent prepares a quote for a restaurant group or a retail shop on SpotOn: POS stations, handhelds, KDS screens, printers and network gear, the All-In Plan, POS Essentials or SpotOn Terminal, and add-ons such as SpotOn Reserve, SpotOn Order, delivery integrations, Loyalty, Teamwork and the Core Bundle. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of SpotOn's published plans and add-ons and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: SpotOn restaurant POS (Station 15, Station 10, Handheld, KDS, hardware), the All-In Plan, POS Essentials, Build Your Own, SpotOn Terminal, and the Reserve, Order, Loyalty, Website, Teamwork, Marketing Assist and Core Bundle add-ons, with card-rate and total checks. See everything this validator covers

This validator models POS and payments quotes for SpotOn as published on spoton.com, not just the scenarios shown below.

  • Hardware — SpotOn Station 15 and Station 10, the guest-facing display, SpotOn Handheld, KDS screens, receipt and kitchen printers, cash drawer, side card reader, Pronto router and 8-port switch, and the SpotOn Terminal for small business.
  • Plans — the All-In Plan (no per-station fee, hardware included, two-year minimum term), POS Essentials ($55 per station per month, month to month) and Build Your Own (custom), each with its published card-present rate; and the SpotOn Terminal and Terminal and Loyalty plans for retail and service shops.
  • Add-ons — SpotOn Reserve, SpotOn Order with DoorDash and Uber Eats integrations, Loyalty, Website, Teamwork (priced per employee with a minimum), Marketing Assist and the Core Bundle (a monthly fee plus 20 basis points of card volume, capped).
  • Checks — add-ons that need a POS station or SpotOn Order, hardware that pairs with a station or printer, network ports, orders reaching the kitchen, duplicates between the Core Bundle and its parts, business type against product, the quoted card rate against the plan, term and location limits, and the quote's stated total against the validator's own total; unusual cases go to a person.

Any POS and payments quote that touches these SpotOn products is in scope — not only the scenarios pictured here. Card-processing fees themselves are not added to the total. Not covered: SpotOn Capital, equipment financing, kiosks, SpotOn Appointments, payroll beyond Teamwork, taxes, discounts and implementation services. Accessory prices and several rules are assumptions; see the notes at the end.

The AI sales agentBuilds the SpotOn POS and payments quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A bundle that already includes other add-onsOnly with care
The Core Bundle contains SpotOn Order, Marketing Assist and the integrations; an exclusion rule has to name every overlapping product and be kept up to date as the catalog changes.		Any overlap between the bundle and its parts is flagged in the same pass.
Hardware that pairs with a station or a printer, and network portsOnly with workarounds
Each display and card reader belongs to one station, a cash drawer connects through a printer, and wired devices must fit the router and switch ports; port arithmetic needs a calculated field and a rule to read it.		The counts are inputs and every pairing and the port total are checked together.
Plan terms that depend on term, volume and the quoted card rateOnly with workarounds
The All-In Plan needs a two-year term and a processing minimum, and a quoted rate has to sit at the plan rate or a little below it; that takes number-range rules on fields most quote setups do not hold.		The term, the card volume and the quoted rate are checked against the chosen plan, with approvals for small discounts.
Business type against productOnly with care
SpotOn Terminal is a small-business product and the stations are restaurant products; a retail shop on a restaurant plan only fails if a rule ties the business type to the product family.		The business type is an input and every product is checked against it.
A stated total over per-station, per-location, one-time and capped volume feesOnly with workarounds
Plan fees multiply by stations, add-ons by locations, setup fees count once, Teamwork has a minimum and the Core Bundle volume fee is capped; keeping a stated total in step takes a price rule per product.		The validator computes the term total from the quote and compares it with the stated figure in the same pass.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quote is on Build Your Own, which has custom processing rates and a custom software bundle set by SpotOn, so a person must confirm the terms; the prices shown are list-price placeholders.
2The quote has SpotOn Loyalty as an add-on to the Terminal and Loyalty plan, which already includes integrated loyalty.
3The business is a retail or service shop but the quote has SpotOn restaurant products (POS stations, handhelds, guest-facing displays, KDS screens, a restaurant plan or restaurant add-ons); retail and service shops use SpotOn Terminal.
4The plan and the devices do not match; a SpotOn Terminal plan covers SpotOn Terminals only, and the restaurant plans cover POS stations only.
5The quote has SpotOn Terminals at a restaurant; the Terminal is SpotOn small-business product, so a person should confirm the fit.
6The quote has a SpotOn Terminal plan but no SpotOn Terminal.
7The quote has handhelds, KDS screens, guest-facing displays or side card readers but no SpotOn POS station for them to work with.
8The quote has a SpotOn restaurant plan, which is charged per POS station, but no POS station.
9The number of handhelds per location (1) is more than four for each of the POS stations (0); a person should confirm the count.
10The quote has restaurant add-ons (SpotOn Reserve, SpotOn Order, delivery integrations, Teamwork, Marketing Assist or the Core Bundle) but no SpotOn POS station; they are added to a SpotOn POS.
11The number of guest-facing displays per location (3) is above the number of POS stations (2); a guest-facing display attaches to a Station 15 or a Station 10, one each.
12The quote has guest-facing displays at a full-service restaurant or bar; SpotOn describes the display for faster transactions in counter-service concepts, so a person should confirm.
13The number of side card readers per location (3) is above the number of POS stations (2); a side card reader mounts on a Station 15 or a Station 10, one each.
14The number of cash drawers per location (2) is above the number of receipt printers (1); the cash drawer connects through a receipt printer.
15The quote has KDS screens but no Pronto router; the KDS screens connect through the location network, which the quote does not include.
16The number of wired devices per location (POS stations, KDS screens and printers) is 5, but the quoted router and 8-port switches give 4 wired ports; add 8-port switches.
17The full-service or counter-service location has POS stations but neither a KDS screen nor a kitchen printer, so orders cannot reach the kitchen.
18The quote has the Station 10, a low-profile POS that SpotOn describes for cafes and bakeries, at a full-service restaurant or bar, so a person should confirm the fit.
19The quote has SpotOn Reserve at a counter-service restaurant or cafe; reservations suit table service, so a person should confirm.
20The quote has a DoorDash or Uber Eats integration but neither SpotOn Order nor the Core Bundle, which carry the online ordering the integration serves.
21The quote has the Core Bundle but no monthly card volume; the bundle charges 20 basis points of card volume, capped at $200.
22The quote has the Core Bundle together with SpotOn Order or Marketing Assist; the Core Bundle already includes both, so they would be charged twice.
23The quote has a DoorDash or Uber Eats integration together with the Core Bundle; the bundle includes the software integrations, so they would be charged twice.
24The quote has Teamwork but no employee count; Teamwork is priced per employee.
25The quote has the All-In Plan on a term of 12 months; the All-In Plan has a two-year minimum term.
26The monthly card volume per location is $20,000; the All-In Plan has processing minimums, assumed here at $10,000 per station per month, so a person should confirm.
27The quote states a card-present rate of 250 basis points; the published rate for the plan is 245 basis points, so the quote overstates the rate to the merchant.
28The quote states a card-present rate of 240 basis points, below the published rate of 245 basis points for the plan; a discounted rate needs a person to approve.
29The quote states a card-present rate of 219 basis points, more than 25 basis points below the published rate of 245 basis points for the plan; only Build Your Own has custom rates.
30The quote covers 10 locations on a standard plan; multi-unit and enterprise operations are quoted on Build Your Own, so a person should confirm.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Nine-location group, full service: A quote for a nine-location full-service group with handhelds, KDS, Reserve, Order, delivery integrations and the Core Bundle

    
The agent's request. Please quote SpotOn for 9 locations, each a full-service restaurant, on POS Essentials over a 36-month term. Each location gets 4 SpotOn Station 15 terminals, 6 SpotOn Handhelds, 3 KDS screens, 2 receipt printers, 3 cash drawers and 4 side card readers. The quote also includes SpotOn Reserve, SpotOn Order, the DoorDash integration, the Uber Eats integration, SpotOn Loyalty, Marketing Assist, the Core Bundle and Teamwork for 55 employees. Each location takes about $120,000 a month in card payments. The card-present rate is 2.45%. The quote states a total of $343,440 for the term. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • More cash drawers than receipt printers. The number of cash drawers per location (3) is above the number of receipt printers (2); the cash drawer connects through a receipt printer.
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  • KDS screens need a router. The quote has KDS screens but no Pronto router; the KDS screens connect through the location network, which the quote does not include.
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  • Not enough wired network ports. The number of wired devices per location (POS stations, KDS screens and printers) is 9, but the quoted router and 8-port switches give 4 wired ports; add 8-port switches.
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  • Core Bundle already includes Order and Marketing Assist. The quote has the Core Bundle together with SpotOn Order or Marketing Assist; the Core Bundle already includes both, so they would be charged twice.
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  • Core Bundle already includes the integrations. The quote has a DoorDash or Uber Eats integration together with the Core Bundle; the bundle includes the software integrations, so they would be charged twice.
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  • Stated total differs from the computed total. The quote states a total of $343,440 for the term; the quote prices give $421,758.
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2. Nine-location group, full service: The agent resubmits after fixing the errors

    
The agent's request. Please quote SpotOn for 9 locations, each a full-service restaurant, on POS Essentials over a 36-month term. Each location gets 4 SpotOn Station 15 terminals, 6 SpotOn Handhelds, 3 KDS screens, 2 receipt printers, 2 cash drawers, 4 side card readers, 1 Pronto router and 1 8-port switch. The quote also includes SpotOn Reserve, SpotOn Order, the DoorDash integration, the Uber Eats integration, SpotOn Loyalty, Marketing Assist and Teamwork for 55 employees. Each location takes about $120,000 a month in card payments. The card-present rate is 2.45%. The quote states a total of $341,910 for the term. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Monthly charge of $810 per location, one-time charges of $8,830 per location, and a term total of $341,910 for 9 locations at the quote prices, not counting card-processing fees.
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3. Six-store bakery-cafe chain: A quote for a six-store bakery-cafe chain on the All-In Plan

    
The agent's request. Please quote SpotOn for 6 locations, each a bakery or cafe, on the All-In Plan over a 12-month term. Each location gets 1 SpotOn Station 15 terminal, 2 SpotOn Station 10 terminals, 2 guest-facing displays, 1 SpotOn Handheld, 1 receipt printer, 1 cash drawer, 4 side card readers and 1 Pronto router. The quote also includes SpotOn Order, the DoorDash integration, SpotOn Loyalty and SpotOn Website. Each location takes about $80,000 a month in card payments. The card-present rate is 2.45%. The quote states a total of $15,120 for the term. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • More side card readers than stations. The number of side card readers per location (4) is above the number of POS stations (3); a side card reader mounts on a Station 15 or a Station 10, one each.
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  • All-In Plan needs a 24-month term. The quote has the All-In Plan on a term of 12 months; the All-In Plan has a two-year minimum term.
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  • Card rate discounted too far. The quote states a card-present rate of 245 basis points, more than 25 basis points below the published rate of 279 basis points for the plan; only Build Your Own has custom rates.
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  • Stated total differs from the computed total. The quote states a total of $15,120 for the term; the quote prices give $26,184.
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4. Six-store bakery-cafe chain: The agent resubmits after fixing the errors

    
The agent's request. Please quote SpotOn for 6 locations, each a bakery or cafe, on the All-In Plan over a 24-month term. Each location gets 1 SpotOn Station 15 terminal, 2 SpotOn Station 10 terminals, 2 guest-facing displays, 1 SpotOn Handheld, 1 receipt printer, 1 cash drawer, 3 side card readers and 1 Pronto router. The quote also includes SpotOn Order, the DoorDash integration, SpotOn Loyalty and SpotOn Website. Each location takes about $80,000 a month in card payments. The card-present rate is 2.60%. The quote states a total of $40,404 for the term. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Discounted card rate. The quote states a card-present rate of 260 basis points, below the published rate of 279 basis points for the plan; a discounted rate needs a person to approve.
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  • Quote summary. Monthly charge of $210 per location, one-time charges of $1,694 per location, and a term total of $40,404 for 6 locations at the quote prices, not counting card-processing fees.
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5. Six-store bakery-cafe chain: The agent resubmits after fixing the errors

    
The agent's request. Please quote SpotOn for 6 locations, each a bakery or cafe, on the All-In Plan over a 24-month term. Each location gets 1 SpotOn Station 15 terminal, 2 SpotOn Station 10 terminals, 2 guest-facing displays, 1 SpotOn Handheld, 1 receipt printer, 1 cash drawer, 3 side card readers and 1 Pronto router. The quote also includes SpotOn Order, the DoorDash integration, SpotOn Loyalty and SpotOn Website. Each location takes about $80,000 a month in card payments. The card-present rate is 2.79%. The quote states a total of $40,404 for the term. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Monthly charge of $210 per location, one-time charges of $1,694 per location, and a term total of $40,404 for 6 locations at the quote prices, not counting card-processing fees.
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6. Four-shop gift retailer: A quote for a four-shop gift retailer on SpotOn Terminal

    
The agent's request. Please quote SpotOn for 4 locations, each a retail or service shop, on the Terminal and Loyalty plan over a 12-month term. Each location gets 1 SpotOn Station 15 terminal and 3 SpotOn Terminals. The quote also includes SpotOn Loyalty and SpotOn Website. Each location takes about $30,000 a month in card payments. The card-present rate is 2.45%. The quote states a total of $19,200 for the term. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Restaurant product on a retail or service shop. The business is a retail or service shop but the quote has SpotOn restaurant products (POS stations, handhelds, guest-facing displays, KDS screens, a restaurant plan or restaurant add-ons); retail and service shops use SpotOn Terminal.
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  • Plan does not match the devices. The plan and the devices do not match; a SpotOn Terminal plan covers SpotOn Terminals only, and the restaurant plans cover POS stations only.
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  • Loyalty already included in the plan. The quote has SpotOn Loyalty as an add-on to the Terminal and Loyalty plan, which already includes integrated loyalty.
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  • Stated total differs from the computed total. The quote states a total of $19,200 for the term; the quote prices give $26,480.
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7. Four-shop gift retailer: The agent resubmits after fixing the errors

    
The agent's request. Please quote SpotOn for 4 locations, each a retail or service shop, on the Terminal and Loyalty plan over a 12-month term. Each location gets 3 SpotOn Terminals. The quote also includes SpotOn Website. Each location takes about $30,000 a month in card payments. The card-present rate is 2.45%. The quote states a total of $20,360 for the term. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Monthly charge of $335 per location, one-time charges of $1,070 per location, and a term total of $20,360 for 4 locations at the quote prices, not counting card-processing fees.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a quote for a restaurant group or a retail shop on SpotOn: POS stations, handhelds, KDS screens, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of SpotOn's published plans and add-ons and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote SpotOn for 9 locations, each a full-service restaurant, on POS Essentials over a 36-month term. Each location gets 4 SpotOn Station 15 terminals, 6 SpotOn Handhelds, 3 KDS screens, 2 receipt printers, 3 cash drawers and 4 side card readers. The rest of the request is on screen. The quote states a total of $343,440 for the term.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with six findings, all in one answer. The number of cash drawers per location (3) is above the number of receipt printers (2); the cash drawer connects through a receipt printer. The quote has KDS screens but no Pronto router; the KDS screens connect through the location network, which the quote does not include. The number of wired devices per location (POS stations, KDS screens and printers) is 9, but the quoted router and 8-port switches give 4 wired ports; add 8-port switches. The other three are on screen.
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  6. The validator returned six blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
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  7. What this shows: for a bundle that already includes other add-ons, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the cash drawers per location to 2 and the stated total to $341,910. It sets the pronto routers per location to 1 and the 8-port switches per location to 1. It removes the Core Bundle.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. The validator also returns the line-item quote. It starts with POS Essentials and SpotOn KDS; the other eighteen lines are on screen.
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  13. All six earlier findings are cleared, and the validator's total, $341,910, matches the quote.
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  14. Six problems caught in one call, fixed in one pass, and a clean $341,910 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    15.