Spark Pay Pricing Info, Key Information and FAQs

Learn more about Spark Pay from Capital One with key information, pricing info and frequently asked questions.

Updated on January 14th, 2019

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Spark Pay is Capital One's credit card processing system for merchants. With Spark Pay, small businesses can accept card payments at a terminal or with a card reader. Spark Pay can accept all major credit cards.

Spark Pay Pricing:

Plan Name

Monthly Price

Go Plan

$0.00 /mo.

Pro Plan

$19.00 /mo.

Spark Pay Key Information Table:


Richard Fairbank, Nigel Morris




McLean, VA


Stephen S. Crawford

Number of Employees


Phone Number

1 (844) 887-7275


1680 Capital One Dr., McLean, VA 22102,


Spark Pay FAQs:

What is the price range for Spark Pay services?

Spark Pay has two monthly plans. The Go Plan is free, while the Pro Plan costs $19.00 per month. In addition to this, Spark Pay charges 2.65% per credit card transaction on the Go Plan and 1.99% on the Pro Plan. Keyed-in transactions cost 3.7% (Go Plan) or 2.8% (Pro Plan). All online trasactions are charged 3.7% + $0.05.

How do I access my Capital One Spark login?

Just go to to enter your Spark pay login and sign in to your merchant account.

I'm having issues with my Spark credit card processing. How do I contact Spark Pay support?

The best way to connect with someone on the Spark customer service team is to dial their direct support line at 1 (844) 887-7275.

Can I buy a Spark Pay mobile reader?

When your business signs up for Sparkpay, you will receive a free mobile card reader. To use the card reader, all you need to do is download the Spark Pay app and sign in to your account.

Do I need a Capital One bank account to use Capital One Spark Pay?

In order to use Spark Pay to accept payments, your business must have a Capital One business bank account.