Merchant Services and Credit Card Processing

Start Selling with Spark Pay® Today

With Spark Pay, you're always ready to take care of business—whenever and wherever you want.

Enrollment is fast and easy—you'll be set up and ready to process payments in just a few minutes.

Sign In to Spark Pay®


Don't have a Spark Pay account? Enroll now.


Award–Winning Innovation

Spark Pay from Capital One® was named “Overall Most Innovative” in the 2014 Monarch Innovation Awards.

There are no viewing parties. There isn’t even a red carpet. But winning a Monarch is still a pretty big deal—only the newest and most innovative business banking products are able to win. And when you sign up for Spark Pay, you’ll win too.

For more information about the Monarch Awards, click here.


Get Back to What you Love Most About Your Business

Chances are, you didn't get into business for the "business" stuff. You did it to create some THING. Something of value, or interest. Something that your customers could connect with, even depend on.

Spark Pay helps you better handle the "business" part of your business. Freeing you to get back to that THING you do (and love) best.


Pricing You Can Easily Understand

Say goodbye to confusing contracts and long-term commitments. Spark Pay® pricing is elegantly simple.

Just choose the plan that fits your business best.

Pro Plan
Best for businesses with high volumes of credit card transactions every month. You’ll pay a small monthly fee, but spend less for individual transactions.

Go Plan
The ultimate in flexibility. You only pay for the transactions you run each month.

Spark Pay Pricing Table
 

Pro Plan 

 Go Plan 

Monthly Service Fee $9.95 $0 
Swiped Visa/MasterCard/Discover 1.95%  2.70%
Swiped American Express 2.95% 2.95%
Keyed in Transactions 2.95% 3.70%
Per Transaction Fee NONE NONE
Setup Fee NONE NONE

Everything You Need to Set Up Shop

Spark Point of Sale gets your counter up and running in just minutes. Not much techno-wizardry is required, either.

Choose the point of sale hardware bundle that best fits your business:
$499 - includes Star Micronics® Receipt Printer and an APG Cash Drawer® 
$599 - includes the printer and cash drawer, plus a stand for your iPad Air® or  iPad Air 2
$1,099 - includes all of the above, as well as a new iPad Air 2

Accept Payments Anywhere

The free Spark Mobile works with the Spark Pay app (also free) to allow you to take credit card payments on the go with your smartphone or tablet.

Your staff can share the joy of swiping too—you get up to three readers absolutely free—and can request additional readers for a nominal fee.


You can access the Spark Pay service after registering an account (”Spark Pay Account“). Credit qualifications and other conditions apply.

To register for Spark Pay you must be at least 18 years of age, have an address within the United States and have a valid checking account number and routing information linked to your Spark Pay Account.

Transaction rates vary by card carrier and depend on the Spark Pay plan you are registered for (Go Plan or Pro Plan). The advertised rates of 2.70% and 1.95% are the use charges on “card present” transactions on a Visa, MasterCard and Discover card, and apply per each swipe. Please see the chart above for a full breakdown of transaction rates. Rates current as of 01/31/2015 and may change at any time.

The Pro Plan monthly subscription fee is $9.95. We will charge your linked checking account within 30 days after you subscribe for the Pro Plan. Subscription fee will repeat every 30 days.

If your Spark Pay account drops below $0, we will initiate a debit from your linked bank account to return your Spark Pay account balance to $0. A Spark Pay account can have a negative balance due to charge back (and associated fees) or the debit of the Pro Plan monthly subscription fee.

Your first card reader is at no cost to you. Upon request, replacement and/or additional card readers are available at no additional cost for active Spark Pay customers (up to 3 card readers).

There is no minimum number of transactions requirement to use the Spark Pay service. Maximum merchant transaction limits are based on your business profile; should you want to raise your Spark Pay maximum transaction limits, please refer to the FAQ page on www.SparkPay.com.

To read the full terms and conditions, please see Spark Pay User Agreement.

The Spark Point of Sale system includes APG Cash Drawer® VasarioTM model 1416 and a Star Micronics® TSP654IIE3 LAN Printer. A router (not included with purchase) is needed to operate the printer. The cash drawer requires the printer connection to operate. The Spark Point of Sale system requires an iPad® or AndroidTM based tablet and the Spark Pay mobile app to use.

An iPad and an iPad stand can be purchased with the Spark Point of Sale system. The iPad is the Apple iPad Air® 2 Wi-Fi 16GB model. The iPad Stand is a Heckler Design WindFall® C iPad Air Stand and is compatible with both the iPad Air and iPad Air 2.

For hardware technical issues or returns, replacements, or refunds call 877-231-7547.

To qualify for the $50 account opening bonus, you must open a Spark Pay Account and process a minimum of $5,000 in transactions within the first 3 billing cycles of your account. Billing cycle will begin on the date of account opening. If you are eligible, we will credit the checking account you have linked to your Spark Pay services within 2-4 weeks after the transaction minimum has been met.

Apple, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc.

The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks used herein are owned by their respective owners. Capital One does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through www.capitalone.com.

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Products and services are provided by Capital One N.A. ©2014 Capital One. All rights reserved.