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How Mobile Payments Work

Wow Your Customers (And Yourself) In Minutes

Use Spark Pay’s mobile card reader to turn your smartphone or tablet into the coolest credit card terminal on the block.

1. Choose a plan and sign up.
2. Download the free mobile payments app on your iPhone, iPad, or Android device. See all compatible devices.
3. Receive your free mobile credit card reader in the mail!

If you can’t wait to get started, you can enter payments manually until your card reader arrives.

Secure Data + Fast Payments = Win, Win

The Spark Pay encrypting card reader protects your customers' data like Fort Knox. And since you're connected to a top 10 U.S. bank, you can rest assured that you'll get your money in two business days.

When You Call, We Answer

Live support, seven days a week means a Spark Pay team member is ready to answer any question you throw our way (within reason - we can't tell you the meaning of life after all).

Need help with your account, card reader, or our app? Our expert service and sales teams are ready to help, 9 AM to 9 PM ET, Monday through Friday, and 9 AM to 5 PM ET, Saturday and Sunday.

Just give us a call at 877-231-7547. And you do-it-yourselfers can search for answers online in our comprehensive FAQs, email us at support@sparkpay.com, or send us your questions on Twitter @askcapitalone.

Credit card swiped through mobile credit card machine.
Payment Amount screen on Spark Pay app Card Accepted screen on Spark Pay app Enter Amount screen on Spark Pay app
  • Customized receipts are sent after a transaction using mobile card reader
  • Create mobile deals, coupons and promotions for new and existing customers
  • Spark Pay app offers sales tracking and analytics reporting
  • Integrate mobile card reader to inventory management process

Like You, Spark Pay is a Great Multi-tasker

Creating custom receipts? Yep. Analyzing sales? Check. Synchronizing multiple devices with multiple users and access levels? Absolutely. Get all that and more with tools from Spark Pay that help you run your business efficiently.

  • Keep the conversation going by putting social media links, company logo and more on receipts you can customize yourself
  • Drive new business and reward loyal customers with deals they can easily redeem from their phones
  • Track sales by item or user and download reports with our clear and simple analytics dashboard (say that five times fast)
  • Stay in sync with your other channels by managing inventory with Stitch Labs integration

Accept Payments from:

  • Visa®
  • MasterCard®
  • American Express®
  • Discover®

Get the Free Mobile App

It pays to have our free mobile app

Taking payments is easy as pie with Spark Pay's free mobile app. It scans bar codes, lets you add tips, tracks inventory and sends digital receipts to your customers so you can process all those transactions in seconds.

Our app also syncs with the online system in real-time so if you don't have your card reader with you, you can manually enter payments with a few pushes of a button.

Get the Spark Pay app today—fully optimized for AndroidTM, iPhone® and iPad®!

Spark Pay App Icon Available on the Apple App Store Android App Available on the Google Play Store
  • iPhone and iPad Mini
  • Samsung Galaxy S3
  • iPad
  • iPhone App Landing Page

Goodbye Drama, Hello Simple Pricing

Skip the contracts and expensive equipment and choose a simple pricing plan with rates and fees that fit your business and transaction cycles.

Compare Rates and Fees

  • Pro Plan: when you have higher volumes of credit card transactions: — 1.95% per swipe for Visa®, MasterCard®, and Discover® cards — 2.95% per swipe for American Express® cards — 2.95% for keyed-in transactions — $9.95 monthly fee
  • Go Plan: when you want flexibility on the go: — 2.70% per swipe for Visa®, MasterCard®, and Discover® cards — 2.95% per swipe for American Express® cards — 3.70% for keyed-in transactions — $0.00 monthly fee
Pro Plan

1.95% Per Swipe

$9.95 Monthly Fee

Go Plan

2.70% Per Swipe

$0.00 Monthly Fee

Accept Payments from:

  • Visa®
  • MasterCard®
  • American Express®
  • Discover®

About Us

Your business deserves more than average banking.

Small business owners aren't your average customer, which is why we created Spark Business. In addition to providing banking products that simplify your finances and help you manage your cash flow, Spark Business comes with straightforward help from real people when you need it - ensuring you and your business get the attention you deserve.

Now, with Spark Pay, we have another way to help you realize the limitless potential of your business. Spark Pay is more than a secure, convenient way to accept payments from anywhere. It's a complete service that works behind the scenes to help you track sales, manage inventory across channels with Stitch Labs integration, and offer your best deals to your best customers.

Plus, setup is easy, support is a call or click away, and the pricing is clear and simple.

Have questions? We're here to support you and answer any questions you have, just drop us a line at support@sparkpay.com or call us at 877-231-7547.

Spark Business Capital One Bank

Frequently Asked Questions FAQ

Looking for more Frequently Asked Questions?
Visit the Spark Pay FAQ Site