Get A $50 Bonus

Sign up and get a $50 bonus after processing $5,000 in the first 3 months

Start Selling With Spark Pay® Today

Enrollment is fast, easy, and free—you'll be set up and ready to process payments in just a few minutes.

Pricing You Can Easily Understand

Say goodbye to confusing contracts and expensive equipment. Spark Pay's pricing is elegantly simple and the reader and app are FREE.

Just choose the plan that fits your business best.

Pricing Plans
Pro Plan Go Plan


Monthly Fee


Monthly Fee

1.99% + $0.05 

Per Swipe

2.65% + $0.05 

Per Swipe

Do Business Absolutely Anywhere 

Opportunity is out there. And it doesn't keep regular office hours. With Spark Pay's mobile reader, you're always ready to make the sale on your iPad®, iPhone®, or AndroidTM device—anytime and anywhere.

It doesn't matter whether you're on the road, on a job site, or ringing up sales back at your store, with Spark Pay you can accept all major credit cards easily, quickly, and securely.

Getting started with Spark Pay is fast and free. You'll be ready to accept payments in no time—without the hassle of a contract. 

Award-Winning Innovation

Spark Pay from Capital One was named "Overall Most Innovative" in the 2014 Monarch Innovation Awards.

Only the newest and most innovative business banking products win each year. And when you sign up for Spark Pay, you'll win too.

Business Intelligence On the Fly

Spark Pay's dashboard gives you the information you need, whenever you need it. Use it to track sales, check inventory, view account information and more. It even makes cool charts!

Inventory Just Got a Whole Lot More Manageable

Manage everything from one dashboard, across all your sales channels. Sync with Stitch LabsSM to see your inventory in real-time.

Use Spark Pay to Help Build Your Brand

With Spark Pay as part of your Point of Sale system, you can customize receipts for faster checkout and simpler sales tracking. You can also use Spark Pay to create and deliver special deals to help turn your customers into regulars.

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% 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 30 days after you subscribe for the Pro Plan. Subscription fee will repeat every 30 days.

If your Spark Pay account drops below $0, we will initiate a debit from your linked bank account to return your Spark Pay account balance to $0. A Spark Pay merchant 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 Merchant Program 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

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

Routine or unscheduled maintenance may impact accessibility.

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