Spark Pay Reviews

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

Updated on November 23rd, 2020

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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.

Also Consider


POS and Credit Card Processing

Sign Up Free

Automatically tracks customer purchases.

Used by more than 2 million businesses.

Robust reporting.


Plan Name


Go Plan

$0.00 /mo.

Pro Plan

$19.00 /mo.

Capital One Financial Corporation

Pros: Free mobile reader and great digital register.

Cons: eCommerce options are limited as Spark Pay is only integrated with its own shopping cart software.

Bottomline: Good platform to efficiently manage credit card processing at your business.

Key Information:


Richard Fairbank, and Nigel Morris




McLean, VA

Number of Employees



Richard D. Fairbank

Phone Number

+1 703-720-6752


1680 Capital One Dr., McLean, VA 22102


News & Activity:


News or Activity

May 21, 2019

Capital One Spark Miles for Business Adds Precheck/Global Entry Perk


What is Spark Pay?

Spark Pay is a credit card processing platform for merchants that is operated by Capital One. With Spark Pay, small businesses can accept card payments at a terminal or with a card reader.

How much does it cost to use 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% per credit card transaction on the Pro Plan. Keyed-in transactions cost 3.7% (Go Plan) or 2.8% (Pro Plan). All online transactions are charged at 3.7% + $0.05.

What credit cards does Spark Pay accept?

  • Visa.
  • Mastercard.
  • Discover.
  • American Express.

How do I contact Spark Pay support?

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

Can I accept PayPal payments with Spark Pay?

Yes. They accept PayPal payments using Spark Pay's services.

Can I buy a Spark Pay mobile reader?

When your business signs up for Spark Pay, 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.

What industries are Spark Pay's merchant services ideal for?

  • Professional services.
  • Manufacturing.
  • Healthcare.
  • Restaurants.
  • Retail and eCommerce.
  • Construction.

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

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