Q: What's the difference between swiping and keying in transactions?
A: Keying in a transaction manually is more expensive than swiping a creit card due to the assessment of card-not-present fees. If you have the Go Plan, the keyed rate is 3.70% + 5 cents per transaction for all credit card and debit card types. For the Pro Plan, the keyed rate is 2.80% + 5 cents per transaction for all credit card and debit card types.
Q: What payment types do the readers accept?
A: All major credit cards and debit cards are accepted for swiping, however PIN Debit cards are not currently accepted. The Spark Pay app allows for manually entering in both card and NFC payments.
Q: Why would a business owner choose a Spark Mobile Reader over a Spark Payment Terminal?
A: The Spark Mobile Reader is ideal for small businesses looking to process payments on the go or in the field. The reader (or dongle) requires no batteries and can fit easily in your pocket for quick, handy access to plug into your device to start swiping credit cards. Payment Terminals are designed for a higher frequency of transactions per day, and due to its wire or battery, require time in a designated area.
Q: How long does it take to deposit funds to my account?
A: Funds should be deposited within just 2 business days on average. For new merchants, please allow 4-5 business days for your first deposit as we verify your account. Your account is initially reviewed by our credit support team before you receive your first deposit of funds.
Q: How does the mobile reader connect?
A: Spark Mobile Reader works with the Spark Pay app right on your iPhone, iPad or Android device. Simply plug the mobile reader (the dongle) into your headphones jack and start accepting all major credit cards quickly and securely. For iPhone 7 users, just plug the reader into the accessory cord for fitting into the lightning port.
Can I order more than one Mobile Reader?
A: Yes! Your first Mobile Reader is free, but each additional must be purchased.
Q: How do I access my account?
A: Download the Spark Pay® app and launch it on your smart phone or mobile device. Or visit www.sparkpay.com and click the Sign In link. After you sign in, enter your email address and password associated with the account, then enter your 4-digit PIN and you'll get access to your Spark® account.
Q: Can I change my pricing plan?
A: Yes, you can. Merchants can change their price plans anytime at www.sparkpay.com. Or contact our support team at firstname.lastname@example.org for assistance.
Q: How long does it take to receive the device?
A: Merchants can expect 2-3 business days. Merchants must log into the app to confirm delivery address.