Spark Pay Reviews - What Is It?

WARNING: DO NOT BUY Spark Pay Until You Read This Review!
Is it a Scam? Does It Really Work?

Spark Pay

Spark Pay is a mobile card reader promising to provide you with a convenient and secure way to get credit card payments online, as well as to assist you run your business more effectively. In order to do this, their mobile payment system will let you receive payments from AMEX, MasterCard, Visa, and Discover cards. The operation can be processed in just a few seconds. The mobile card reader is offered by the reputable company called Capital One. But is it really a good option for your business? Can it provide you with the ability to get credit cards wherever you wish? According to the official website of the company, developing your business and running it involves three basic steps. All you will need to do is to choose the appropriate plan and to sign up for your merchant account online.

You can download the Spark Pay mobile payments app for free. It is available for iPad, iPhone, and Android devices. You can find the full list of supported devices on the official website. After that, you can receive a mobile credit card reader via mail for free. It will attach to your device at once. Before getting your reader, you will be able to enter the payments by hand through the Spark Pay app. When your account is set up, you will be able to create custom receipts (company logo, social media links, etc.), analyze sales via the analytics dashboard (download reports, track sales by user, etc.), and synchronize devices across many access levels and users. Since Spark Pay is a sub-company of a top 10 U.S. bank, Capital One, all transactions feature data encryption for safety. Besides, the Spark Pay website promises that you will allowed to integrate your data with Stitch Labs, which will help you manage your inventory, add tips, scan barcodes, and send QR code deals to users that are redeemable via phone. Cash transactions can be processed manually, even though you won't be able to process refunds or void these transactions.

Customer Reviews - Does Spark Pay Really Work?

According to the numerous customer reviews found on websites such as,, Google Play, and iTunes, Spark Pay has a mostly positive customer reputation online. The most common compliments reference unique features, competitive rates, the lack of early termination fees or contracts, and high quality customer service. At the same time, the major complaint related to the service appears to be device/software incompatibility. For instance, it does not work well with a specific type of device (mainly Android). In addition, some users complain that the card reader failed to connect to their device.

Other common complaints mentioned that the company cancelled a users' service or withheld funds from becoming available. A few customers reported that they opened accounts, received the card reader, and were allowed to accept payments, but in the end their accounts were not approved. Nevertheless, the majority of customers are pleased with the Spark Pay, its features and functioning. Their accounts worked as advertised. It should be remembered, though, that you may need WiFi in order to process payments. In order to get a better idea of how the reader works in reality, let us take a look at the actual customers' testimonials left on different websites on the Internet.

"I bought SparkPay for my business in April 2017. I have a small retail business. The merchant shipped everything on time and answered all of my questions about setup and installation at once. It was easy to launch a new web shop as the company provides domain name registration (there is an additional cost, though). This ecommerce platform gives me an opportunity to create many stores from the same backend."

"Sparkpay provides an online store builder that is easy for inexperienced users to understand and use. Yet, it is powerful enough for me to customize. I am pleased with web design functions. I can easily edit my website's theme with the "Live Design" editor with an intuitive graphical interface. I am happy to have full access to CSS and HTML files. There are no limitations if I want to change the layout at code level. The theme store features a lot of free website templates, most of which are optimized for mobile devices. This allows me to design a responsive storefront and it performs well on my tablet, desktop, and smartphone. There is no need to hire a professional web developer."

"What I like about Spark Pay the most is that it supports most of the channels I need to promote my online store. For example, I can benefit from content marketing due to the built-in blogging function. Due to the full control over URLs and Meta data, I can handle on-page SEO for each new blog post. This ecommerce tool generates XML sitemaps, that allow search engines to access my web shop pages easily. Due to integrations with email marketing add-ons such as Constant Contact, Mail Chimp, iContact, and Aweber, I can send newsletters and email messages to customers on my mailing list."

My Final Summary

Spark Pay comes with a number of advantages. Multiple store front support gives you an opportunity to operate more than one web shop from the same backend. There is 14-day trial that requires no billing information. The system offers secure store management and marketing features. You will significantly benefit from the PCI compliant ecommerce platform. The system comes with great mobile payments support. The templates and themes are very responsive. SSL certificate can be shared for free across all plans.

You may face some drawbacks, though, too. The first one is that storage space may be exceeded, so you will need to pay extra fees. This space can be limited. Finally, there is no live chat support. Despite these disadvantages, I can still recommend Spark Pay to those whose business needs to accept credit cards. No matter which mobile system you will choose, each one will be suitable. The service is associated with positive customer reputation, which makes Spark Pay even more attractive.

Spark Pay Pricing and Rates

There are two different plans for Spark Pay accounts. Pro Plan requires $9.95 monthly fee, 2.95% per swipe for American Express cards, 1.95% per swipe for MasterCard, Visa, and Discover cards, as well as 2.95% for keyed-in transactions. The second plant, Go Plan, comes with $0.00 monthly fee, 2.95% per swipe for American Express cards, 2.70% per swipe for MasterCard, Visa, and Discover cards, as well as 3.70% for keyed-in transactions. It is recommended to use the Go Plan if you transact less than $1,300 per month, and the Pro Plan if you transact more than this amount. Remember that although you will be able to get up to three card readers for free, you will have to pay $13 for each next reader. You will have to pay a $15 chargeback fee for all disputed charges. The live support department works seven days per week and can be reached by calling at 877-231-7547.