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.

Mobile Reader

Mobile Reader

Accept payments in person or when you’re on-the-go. Mobile reader helps make the sale anytime, anywhere.

Point of Sale

Digital Register

Turn your tablet into a complete point-of-sale system, enabling you to accept cash or credit.

Payment Terminal

Payment Terminal

Accept new payment technologies like Apple Pay and be ready for EMV chip cards.

Online Store

Online Store

Set up shop easily with our ecommerce solution. Expand your business and sell online where your customers shop.



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.

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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.


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 10/28/2015 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 www.SparkPay.com. 

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.

Payment Terminal is equipped with hardware for EMV. A Software update is scheduled for 2016 which will unlock the capabilities that are required to accept chip and signature EMV transactions.

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 sparkpay.com

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 and Google Play are 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. ©2016 Capital One. All rights reserved.