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Spark Pay

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Screenshot #1 for Spark Pay

Spark Pay is a an iOS business application for the iPhone and iPad developed by Capital One, who were also behind Capital One Mobile Banking.

Spark Pay can be downloaded now on the iTunes App Store for free. You can download it using the following QR code or by clicking the button link below. The Spark Pay app is fully compatible with all iOS devices capable of running iOS 6.0+ including the iPhone 6 Plus and iPad mini.


Accept credit cards wherever business takes you with Spark Pay from Capital One Bank®.

Take Visa, MasterCard, Discover and American Express payments using your free Spark Pay card reader and iPhone, iPad or iPod touch. In addition, Spark Pay is loaded with features to help grow your business.

Choose the plan that works best for your business:
•Go Plan: 2.70% per swipe with no monthly fee
•Pro Plan: 1.95% per swipe with a $9.95 monthly fee

1.Download the FREE Spark Pay app
2.Enroll in the app
3.Start accepting credit card payments

Your sales will be automatically deposited into your bank account within two business days.

Spark Pay fully encrypts all information during transactions, so you can be confident your customers’ data is safe. Spark Pay is one of the first mobile payment solutions offered by a top-10 US Bank, with hardware provided by Roam from Ingenico, a global leader in secure payment technologies.

•Easy-to-use online dashboard to manage transactions, multiple users, and view sales reports and analytics
•Live customer support
•Item management and updated inventory levels with Stitch Labs integration
•Create custom Spark Pay deals that can be distributed to customers via email, Facebook, and Twitter
•Customizable e-receipts that link to your business’ social media sites
•Send or print customized receipts with links to your business’ social media sites
•Connect a cash drawer to easily accept

App Screenshots

  • Screenshot for Spark Pay
  • Screenshot for Spark Pay

Download on PC or Mac:
1. Open the iTunes on your computer.
2. Go to the 'Spark Pay' application page and click on the install button.
2. Sync your device through iTunes to complete.

Download Now

* You must have an active iTunes account to download the file, so if you don’t have, please register to iTunes store with a credit card. In case you are not interested to open an account with your credit card number, you can select the option ‘None’ during the secured registration.

Promo Codes

Promo codes are not currently available.
If you are the developer of Spark Pay, you can provide additional promo codes to giveaway to our readers.

Customer Reviews

  • 5 Star
      14 (54%)
    1. 4 Star
        3 (12%)
      1. 3 Star
          4 (15%)
        1. 2 Star
            5 (19%)
          1. 1 Star
              0 (0.0%)
            • Average Rating:26 reviews available
            • If you've used this app, rate and review it on the App store and in the comments section below.
            Positive - 80%
            Wonder app!. Very easy to use and excellent customer support!
            good customer service. Contacted sparkpay regarding the recent crashes on my ipad after the ios8 update, they sent me new card readers which seemed to
            fix the problem. However, i cannot open the app in iphone 6, so please u
            Authorize button needs to be moved to top. I have high volume using an Iphone 5s. The placement of the authorize button on the lower right hand of the screen is a problem
            for all right handed users. Many customers accidentally press the aut
            Great app, truly helpful for my company. Capital One did it again - this is a great app and product that will help my business succeed.
            Great pricing and easy to use!. The pricing on this app is hard to beat and it's easy to get setup! There is also an actual person on the line if you need to call
            and talk to someone.
            User Friendly. Got my reader in a couple of days. App is super easy to use. I can pretty much run my business from it. My customers seem to like
            that it's from a bank, seems more secure. Had to contact Customer Serv
            Keep it coming. Every update the app gets a little better playing catch up to Square. You are getting there but please add a text SMS receipt
            option, auto-send emails for repeat card users, custom deposit cutoff time
            Awesome!. Sparkpay let me get my business off the ground. Now i can take credit card in addition to cash.
            Number 1. By far the most user friendly transaction processing to date, I personally live the live support and follow up. Real people answer
            the phone and are very willing to assist you to help you get on track
            Love this app. Spark Pay is a must have for any small business. It's really easy to use and has a simple layout for taking purchases. Also a plus
            you can call customer support 7 days a week.
            Money Saver!. So glad I made the switch from BofA to Spark Pay, I'm saving about 100 a month in processing fees. Very good pricing, reward cards
            have the same rate as debit cards and they don't nickel and dime me w
            Great customer service. I love this app! Every professional and small business should have this app.
            Great job Spark Pay!. Really solid. I love this app, great for small business.
            Solid app. Solid all that does what it needs to do, plus adds features every month or so.
            Great App!. Great looking app! Works really well, simple and easy to use. I LOVE the offers feature!
            Game changer. I love this app! It does everything that my Square app does, but has integrated mobile offers that I can send out and scan with my
            iPad camera, and ties into the other Spark services from Capital One.
            Awesome app!. Love the categories, and integrated offers! This is much better than the other tablet POS apps I have seen.
            Natural - 20%
            Two Serious Shortcomings. 1. It only accepts one tax percentage. For a restaurant type operation, this could be a problem if you have one tax percentage
            on food and another tax percentage on alcohol. You can change the tax
            Save email. Would rate 5star's only if I had option to save e-mail cause lot of business is delt with old customers and new ones. Would save a
            lot more time and make it smoother transaction. Thanks
            Manager. Having similar issues after a one day test on my Carnivore BBQ Food truck in DC. Takes a lot longer to authorize transactions than
            square, asks u repeatedly about printing a receipt. Crashed a few tim
            SLOW. The authorization portion is incredibly slow (30 seconds). Please fix!
            still buggy. after the update the app still crashes because of the location service error. It takes a few tries to get the app up and running.
            Too slow along with other issues!. This program has entirely too many steps before you even scan the card. Then once you scan the card, every transaction has to be
            signed for no matter how much it is? At least make it skip the signatur
            Tip Function is Absurdly placed. I rated the old version and am sorry to see they still don't give the consumer the option to add a tip until they've begun signing
            their name. Literally the option to tip pops up on the top of the sc
            No way to void or refund a cash transaction. Please add a function to refund or void a cash transaction.
            Worked great until new iphone6 update. Please update app to work with new update. Everything was working great until I updated my iPad to the new operating system when
            iPhone 6 came out. Now all my clients credit cards are denied after the


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            App Store Rank Statistics

            App ranking graphs and daily changes: Spark-Pay-ios-ranking

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            Latest Reviews
            $ 0.99
            Dont Stop
            Aug 3, 2015
            $ 2.99
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