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Get payment terminal free

Get the Payment Terminal ($99) free , plus an extra $50, when you process $5,000 in the first 3 months.

Payment terminals for small business

credit card pricing

Straightforward Pricing

Sell in person with your choice of two simple price plans. Enjoy low swipe fees at the point of sale or on the go without long-term commitments or additional fees.

emv chip

EMV Chip Ready

As debit and credit cards continue to transition to the embedded microchip (EMV), Spark Payment Terminals are equipped to process the new encryptions, making every sale more secure.

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Safe and Secure

Maximize your protection and reduce your risks for liability with Spark's POS terminal solution. Backed by Capital One, a top 10 US commercial bank, our card processing is built to safely accept a variety of payment types.

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Customer Support

Your point-of-sale terminal comes fully-equipped with peace of mind. Get answers and advice 7 days a week from online experts, over the phone and always at your service.

Your terms. Your terminal.

Stylish and easy to use, your Spark Payment Terminal gives you more ways to get paid while meeting your needs of security, form and function. Plus, with our 30-day money back guarantee, you have all the opportunity and nothing to lose.

Diversify your payment options by accepting Visa®, MasterCard®, Discover®, and American Express® credit or debit cards with a quick swipe or chip insert. Contactless payments with Apple Pay®, Google Wallet®, MasterCard PayPass® and Visa payWave® can conveniently be used by phone or digital watch. And even MasterCard® and Visa® gift cards can be accepted to expand your payment offering.

Credit Card Terminal

Choose the best for your business—wired or wireless

credit card pricing

Ingenico iCT220

The iCT220 is the reliable countertop device for accepting credit cards, debit cards, EMV chip cards and NFC payments. Designed to easily connect for you to accept secure payments at checkout.

Free, plus get an extra $50, when you process $5,000 in the first 3 months.
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Ingenico iWL255

Take your point-of-sale anywhere with the wireless iWL255. Make the customer experience swift and simple for accepting credit, debit, EMV chip cards and NFC payments. Connect wirelessly and securely without sacrificing battery life. Go beyond the counter and make transactions wherever the sale takes you.

Mobile payments in the palm of your hand.

Enjoy the flexibility of taking payments at the counter or on the go with a simple swipe, dip or tap.

Simple pricing to fit your business

Go Plan

Pay only for the transactions you run each month.
(Best if you process less than $3,000 per month)

Monthly Service Fee
Enjoy free monthly service after the terminal purchase.
$0
Swiped Visa/MasterCard/Discover
Per transaction
2.65%
Swiped American Express
Per transaction
3.70%
Keyed in Transactions
Transaction fee per manual entry
3.70%
Per Transaction Fee
Fixed low fee per swipe, dip or tap
$0.05

Pro Plan

Pay a small monthly fee, but enjoy less cost per transaction.
(Best if you process more than $3,000 per month)

Monthly Service Fee
A simple, flat rate per month
$19
Swiped Visa/MasterCard/Discover
Per transaction
1.99%
Swiped American Express
Per transaction
2.80%
Keyed in Transactions
Transaction fee per manual entry
2.80%
Per Transaction Fee
Fixed low fee per swipe, dip or tap
$0.05

What to expect

Choose the terminal that best suits your needs to begin our streamlined process—taking you from application to acceptance.

1. Apply
2. Review
3. Qualify
4. Select
5. Approval

The info you provide will determine qualification for approval. Not all applicants are guaranteed service, as restrictions apply.

FAQs

Spark Payment Terminals can be the solution for accepting more payments from more customers for retailers, wholesalers, B2C, B2B and more types of business. See our frequently asked questions for the details you need to make Spark Payment Terminals the choice for you.

Q: What's the difference between swiping and keying in transactions?

A: Keying in a transaction manually is more expensive than swiping a 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 card types. For the Pro Plan, the keyed rate is 2.80% + 5 cents per transaction for all card types. Accepting payments securely requires an Internet connection.

Q: What payment types do the terminals accept?

A: Both terminals accept credit cards, debit cards, EMV chip cards and PIN, magstripe and NFC/contactless payments.

Q: Why choose payment terminals instead of mobile card readers or POS register systems?

A: Spark Payment Terminals offer the reliability and security that business owners need with the speed and convenience that customers expect. POS systems may be designed for large-service businesses that best fit a stationed point of sale. Small mobile card readers may be the fit for infrequent transactions and on-the-go sales. In contrast, the terminals put the power of "what" and "where" in the business owners' hands. The iCT220 and iWL250 give the mobility of taking the transaction to the customer rather than a static, behind the counter experience. Also, they offer the flexibility of mid-to-high-volume transactions-swiping cards, dipping (scanning) the chip cards, and tapping the contactless payments like Apple Pay® and Google Wallet® with security and PCI compliance. Whether you're a one-man show with a mobile office getting a few good sales per week or a grounded service or supplier quickly making multiple transactions a day, the Spark Payment Terminals can put efficiency to work for you.

Q: How long does it take to get approved for underwriting?

A: Typically, underwriting takes 24-48 hours from your submittal for info.

Q: How long does it take to receive the device?

A: You can expect 1-2 business days after the order.

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: Can I change my pricing plan?

A: Yes, you can. Please contact our support team at support@sparkpay.com and indicate which plan you'd like to use and we'll change your plan.

Q: How does the wireless terminal connect? And the wired terminal?

A: The iWL250 (wireless) connects with a 3G network. The iCT220 (wired) utilizes a wide array of communication technologies like Ethernet or high-speed modem to deliver anywhere, anytime for your business.

Q: How long does the battery last for the iWL250 (wireless)?

A: The Ingenico iWL250 is designed to run about a full working day for average, active retail environments.

Q: Why would a business owner choose a terminal like the iCT220 or iWL250 from Spark Business instead of a traditional POS register system?

A: There are many benefits to businesses choosing Spark Payment Terminals. The devices are compact, lightweight, easy to handle and the ease and speed of printing receipts is literally in the palm of your hand. The mobility and convenience for both the merchant and the customer go beyond the countertop. However, Spark Payment Terminals offer more than just the device—you get a solution for accepting many different types of payments that combines the leading name in processing (Ingenico) with the leading name in finance (Capital One®).

Q: What type of business is best for the iWL250 (wireless?)

A: All types of businesses can make the wireless terminal work for them. Retailers and small businesses that involve activity from both sides of the counter are great for both terminals (ex: cafes, salons, hardware stores, etc). Service-based businesses (like car service shops, installation technicians and painters) also benefit from the terminals, but particularly the iWL250 for its ease and mobility for salespeople or technicians to bring the device on location. With 3-G technology, you can make the transaction wherever the sale takes you.

Q: Can I order more than one terminal?

A: Yes, you can order more than one terminal per qualification.

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.

Get payment terminal free

Get the Payment Terminal ($99) free , plus an extra $50, when you process $5,000 in the first 3 months.