Meet Spark Business Commerce.

Whether you need to process in-store payments or set up an online store—we’ve got your back.

Accept any way they want to pay.

Take all forms of payment; like credit and debit cards, EMV chip cards and cash.

Build an online store.

Expand your reach beyond the retail storefront with eCommerce and sell online.

This is Bill.

See how Spark Business helped him get his ducks in a row.

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See how Spark Business helped him get his ducks in a row.

Simple Pricing

Choose the plan that works for you, with rates as low as 1.99% per swipe.

Transactions Reports

Keep track of your account and sales on the go.

Assistance & Support

Get help when you need it from 8 am – 10 pm ET, Monday – Saturday.

$50 is yours.

Get $50 back when you process $5,000 in the first three months with any Spark Business payment processor. With the wired payment terminal, get $50 back plus the cost of the terminal refunded ($99) when you process $5,000 in the first three months.

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

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

Spark Pay Merchant Program 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 2.65% and 1.99%, plus $0.05 per transaction, are the use charges on “card present” transactions on a Visa, MasterCard and Discover card and apply per each swipe. Please see the chart below for a full breakdown of transaction rates. Rates current as of May 1, 2017 and may change at any time.

Visa®, MasterCard® and Discover® Rates:

Advertised "Card Present" Rate: 2.65% (Go Plan), 1.99% (Pro Plan)
"Card-Not-Present" Rate: 3.70% (Go Plan), 2.80% (Pro Plan)

American Express® Rates

"Card Present" Rate: 3.70% (Go Plan), 2.80% (Pro Plan)
"Card-Not-Present" Rate: 3.70% (Go Plan), 2.80% (Pro Plan)

In addition to the rates above, a $0.05 charge will apply to every sale transaction. The Pro Plan monthly subscription fee is $19. 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 Merchant Program Account drops below $0, we will initiate a debit from your linked bank account to return your Spark Pay Merchant Program Account balance to $0. A Spark Pay Merchant Program 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.

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 

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

The Digital Register 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 Digital Register 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 Digital Register. 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.

The terminal systems are individually only comprised of the Ingenico® iCT 220 (wired terminal) and the Ingenico® iWL 250 (wireless terminal). Debit Cards using PIN are not supported at this time. Current contactless payment is available through Apple Pay®, Google Wallet®, MasterCard PayPass®, Visa payWave® . Additional contactless payments may be provided in the future.

Synchronize Multiple Devices and Users, Inventory Management, Customized Receipts, and Create Custom Promotions or Deals are not available if you use Payment Terminal to accept your payments.

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

This site is designed to only reflect the hardware that is available through Spark Pay. For capabilities that are available to your business through the Online Store, please refer to

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.

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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

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Products and services are provided by Capital One N.A. ©2017 Capital One. All rights reserved.