Spark Pay




    Spark Pay from Capital One Spark Business is a merchant service solution for small businesses to accept credit card and debit card payments from Visa, MasterCard, Discover and American Express. With Spark Pay, you can process payments, manage sales transactions, track inventory, review sales performance analytics, customize marketing offers and reach new customers from multiple smartphone and tablet devices. Additional features include:

    - Run multiple users with secure settings and admin roles
    - Run multiple stores from one console to diversify your business efficiently
    - Use the integrated dashboard for customer data and analytics to make smarter business decisions
    - Manage products and inventory with Stitch Labs℠ integration
    - Create custom deals with that can be distributed to customers via email, Facebook and Twitter
    - Customize e-receipts that links to your business social media sites
    - Customer support from 8AM – 10PM ET, Monday - Saturday
    - Receive regular app updates for the latest feature additions and enhancements

    Spark Pay has the commerce tools you need to grow your business and make a sale anywhere.

    We have 2 simple pricing plans with no contracts. Choose the one that fits your business’ needs between transactional volume and maximum flexibly. Both plans come with 1 free mobile reader.
    - Pro Plan is priced at 1.99% per swipe with a $19/monthly fee + $0.05 per transaction fee. Credit card fees for Visa, MasterCard & Discover are just 1.99%, while AmEx is 2.80%. Keyed transactions are 2.80% per swipe.
    - Go Plan is priced at 2.65% per swipe with no monthly fee + $0.05 per transaction fee. Credit card fees for Visa, MasterCard & Discover are just 2.65%, while AmEx is 3.70%. Keyed transactions 3.70% per swipe.

    Set up now in just 3 easy steps:
    1. Download the Spark Pay app
    2. Enroll in the app
    3. Begin accepting credit card payments from your customers

    Capital One Spark Business knows time is money for small business owners. That’s why we ensure that your funds are automatically deposited into your linked bank account within just 2 business days. Security is very important to us and we encrypt all transactions.

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    Users review

    from 560 reviews



    Users comments for Spark Pay

    Jay M

    by Jay M

    Nov 06, 2017  |  "Poor"

    I was trying to find an alternative with better rates than Square and PayPal Business. This looked promising. I enrolled, but without notice, they canceled my account before I even got started. I called the support number, and they claimed I was "denied" last month. Now they are not even accepting new applications. Very shady!

    Boyce Brown

    by Boyce Brown

    Nov 06, 2017  |  "Poor"

    Terrible app. Terrible customer service.

    A Google user

    by A Google user

    Sep 20, 2017  |  "Awesome"

    I enjoy da detail work it gives

    Tim Wong

    by Tim Wong

    Sep 02, 2017  |  "Awesome"

    I can do what I need.


    by Positiflo

    Aug 30, 2017  |  "OK"

    Worked well with the card reader, but they just randomly closed my account because of inactivity. Ok fair enough, but why tell me to reactivate the account online when you know that's not possible. Customer service sucks! So I'm switching to Squareup.

    Heather Vernillo

    by Heather Vernillo

    Aug 18, 2017  |  "Good"

    Does not work with Google Pixel, as others have reviewed below. Doesn't recognize card reader. Have to plug it into my tablet to use. Luckily I only keep this as a backup to my other merchant service