Spark Pay Mobile Payment

Spark Pay is a mobile processing solution developed by the well known company Capital One. The app has been revisited 3 years ago and has been relaunched. As of today though, the app doesn’t provide any special feature and only does a pretty basic job when compared to other systems.


The interesting part about Spark Pay lies in its price options. Users can choose between  two main pricing options, one with a monthly fee and the other one without. This way people can choose what’s more convenient for them.

Monthly fee

  • $19 monthly fee
  • $0.05 transaction fee
  • 1.99% with card
  • 2.8% without card

Without fee

  • No monthly fee
  • $0.05 transaction fee
  • 2.65% card present
  • 3.7% card not present

Prices are not very different from other companies. Just for comparison, PayPal Here charges 2.7% per swipe transaction. The monthly fee is a little expensive, but I’ve seen other companies also charge around $20 a month.



As already stated, Spark Pay’s functions are a bit basic, and it doesn’t have many services. The hardware is just as most POS systems, you’ll need a card reader and the mobile application. Spark Pay offers some of the most important features, though if you want to access the more “advanced” ones you’ll have to buy the StitchLabs extras. Some of the features of the system are:

  • QR code offers
  • Custom receipts
  • Printing
  • Inventory management

Nothing too surprising unfortunately. Not suprising is also the number of downloads and reviews of the app on the stores. Play Store has only 453 reviews on the store, with downloads being from 10 to 50 thousand.

Pros and Cons

Spark Pay didn’t get “sparkly” ratings, but they weren’t very bad as well. Some of the problems that the users have described are:

  1. Card reader not working: this is the most common complaint I’ve had and that many other had. Apparently it’s not only Spark Pay’s problem so it’s nothing to be surprised of. Though I’m happy to say that device compatibility has been improved recently and I hope that other companies will do this as well.
  2. Glitches and software problems: this is also another of the most common problems that many POS systems have. Instant crashes and freezes happen often.
  3. Multi-users: many people didn’t like the fact that multi-user functionality is limited, and caused a lot of problems for people who absolutely need this option.

Apart from the multi-user functionality, bugs and glitches can be fixed. So arm yourself with patience and you’re good to go. There are also some things that I found very good about Spark Pay such as:

  1. StitchLabs: as already mentioned above, StitchLabs is an excellent integration to the app, providing lots of important and advanced features, such as barcode scanning.
  2. Functional customer support: finally, Spark Pay has a very good customer service compared to the last POS systems I’ve tried lately. This is a very important point to consider when evaluating mobile processing systems.


Spark Pay satisfies basic and some of the more sophisticated needs and, personally, I liked it. Processing systems come with questions and problems, so a good customer service is really important. And I’m glad Spark Pay is strong from that point of view.

Final Rating: 7.5/10