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Gateway · Acquirer · Site & app builder — one account

Build.Accept.Settle.Anywhere.

SparkIO is the payment gateway, the acquirer and the website & app builder in one account. Build a store or an app in minutes, accept 40+ payment methods in 135+ currencies and settle in your own — one fee, one dashboard.

Start nowTalk to sales
  1. 01Buildnorthlight.sparkio.site

    Site builder: the Northlight storefront, with a Studio Lamp product card placed on the home page and published to northlight.sparkio.site.

  2. 02Accept

    Northlight checkout: Studio Lamp, $249.00, paying with Card.

    Pay $249.00

    Powered bySparkIOFrictionless 3DS

  3. 03SettleBalance · USD

    Available

    $859.99

    Pending $408.70Payout · Thu

    Recent paymentsToday

    • Emma Clarke

      Mastercardpay_1QzK7c

      £72.00Settled

    • Jonas Weber

      SEPA Debitpay_1QzK6a

      110,00 €Pending

    • Lucas Almeida

      Pixpay_1QzK5t

      R$ 169,00Settled

    • Sofía Ramírez

      OXXOpay_1QzK4r

      MX$1,008.00Pending

Simulated — no real money moves.

Every way your customers want to pay

Accepted here

Every way your customers want to pay

40+ methods · 135+ currencies

  • Visa
  • Mastercard
  • Amex
  • Elo
  • Hipercard
  • Pix
  • Boleto
  • Apple Pay
  • Google Pay
  • PayPal
  • ACH
  • SEPA Debit
  • iDEAL
  • Bancontact
  • giropay
  • Klarna
  • Affirm
  • OXXO
  • SPEI
  • UPI
  • Netbanking
  • Alipay
  • WeChat Pay
  • BLIK
  • Przelewy24
  • Bacs
  • EFT
  • GrabPay
  • TWINT
  • MB WAY
  • Discover
  • JCB
  • UnionPay
  • Mercado Pago

The platform

Build. Accept. Settle. One account.

Most companies stitch a site builder, a gateway and an acquirer from three vendors. SparkIO is all three, sharing one account, one ledger and one dashboard.

  1. Build

    Sites and apps with checkout already inside

    • Visual editor with real components
    • Web, iOS and Android from one project
    • Custom domains, SSL and CDN included
    Explore Build

  2. Accept

    A checkout that feels local in every market

    • 40+ payment methods, one integration
    • Smart routing with automatic fallback
    • Network tokens and 3-D Secure 2
    Explore Accept

  3. Settle

    Your money, on your schedule

    • We are the acquirer — no middle step
    • Instant, T+1 or scheduled payouts
    • Every fee on one line, in your currency
    Explore Settle

Why one account

Four vendors, or one account.

Most stacks chain a site builder, a gateway, an acquirer and a payout provider to take one payment: four contracts, four fees, four dashboards. SparkIO is all four, so authorization, settlement and payout land in one ledger you can see.

How a payment moves

One $249.00 order, two ways

Typical stack

4 contracts · 4 fees · 4 dashboards

  1. Vendor ASite builder$29/mo
  2. Vendor BGateway+0.5%
  3. Vendor CAcquirer2.9% + $0.30
  4. Vendor DPayout provider+0.25%

SparkIO

1 contract · 1 rate, set for you · 1 dashboard

Gateway — Tokenizes the card, runs risk and 3DS, picks the route.

Settled

Typical-stack fees are illustrative. Your rate comes in your proposal.

Anywhere

They pay in their currency. You get paid in yours.

Pix in São Paulo, SPEI in Mexico City, MB WAY in Lisbon. We acquire the payment, convert it once and settle it into your balance at home.

World map of illustrative sales between 20 cities (Toronto, New York, Los Angeles, Mexico City, São Paulo, Buenos Aires, Santiago, London, Lisbon, Paris, Berlin, Lagos, Johannesburg, Dubai, Mumbai, Singapore, Shanghai, Seoul, Tokyo, Sydney). Each sale draws a route from the shopper's city to a seller's city on another continent; sellers are in the United States, Mexico, Brazil, the United Kingdom, Portugal, France and Germany. A country lights up only while a sale leaves it or lands in it. The still view shows Lisbon to New York, Tokyo to London, Johannesburg to São Paulo.
  • Shopper pays
  • You get paid
  • Illustrative sales, not live data

Following one sale

  1. They pay

    €64.90
    MB WAY · Lisbon, Portugal

  2. We acquire

    Local
    Their bank sees a domestic payment

  3. You get paid

    +$70.42Settled
    New York · USD balance1 EUR = 1.0850 USD, mid-marketBefore fees and FX markup

Local acquiring (target): US, UK, euro area, Brazil, Mexico

Cross-border from 190+ countries · 30+ balance currencies

Developers

No code, low code or all the code.

Three ways in, one ledger underneath.

See the Builder

Northlight's store on northlight.sparkio.site, built with the Builder: the Studio Lamp at $249.00 with a Buy now button that opens checkout.

Maya Chen paid$249.00Visa

<script async  src="https://js.sparkio.com/v1.js"></script><sparkio-buy-button link="plink_9fKq2X"></sparkio-buy-button>
Buy now$249.00
Paste into
WebflowWixany HTML page
Or install on
ShopifyWooCommerce

Liam Turner paid$249.00Visa

curl https://api.sparkio.com/v1/payments \  -u "$SPARKIO_SECRET_KEY:" \  -d amount=24900 \  -d currency=usd \  -d token=tok_6Vd1Rz# 201 Created{ "id": "pay_1QyZ9j",  "status": "succeeded" }

Nora Whitfield paid$249.00Visa

Northlight ledger · USD: one Studio Lamp payment from each way in, all settled, $241.48 net each, paid out on T+1 payouts to Chase •••• 6789.
ViaPaymentAmountStatus
Storepay_1QzK8m$249.00Settled
Embedpay_1QyX6m$249.00Settled
APIpay_1QyZ9j$249.00Settled

Pricing

Priced for your business, not for the average one.

There is no public price list. Your rates are built around your volume, the markets you sell in and the methods your customers pay with. Tell us how you sell and we send you a proposal.

Sample · Northlight, pre-launch

Tell us about Northlight

Northlight Goods LLC

Intake

Current volume

$120,000

Average ticket

$85

Markets

  • US · United States
  • BR · Brazil
  • EU · Eurozone
  • GB · United Kingdom
  • MX · Mexico
  • IN · India

Payment methods

  • Visa
  • Mastercard
  • Amex
  • Apple Pay
  • Google Pay
  • SEPA Debit
  • Pix
  • OXXO
  • UPI

Takes payments today

Online store, on another provider
Call booked · Thu, Feb 5 · 10:00

Proposal for Northlight Goods

Per successful payment

  • USCards2.9% + $0.30
  • GBCards1.5% + £0.20
  • EUCards1.5% + €0.25
  • BRPix0.99%
  • MXOXXO3.9%

Payouts & tools

  • PayoutsT+1 free · instant 1%
  • Websites & appsIncluded
Valid until Mar 11Accept
Websites & apps included

Northlight onboarding

Northlight Goods LLC

4 of 4

  1. Business verified

    Northlight Goods LLC · Feb 12

  2. Methods enabled

    9 methods · 6 markets · Feb 16

  3. Store connected

    northlight.sparkio.site · Feb 27

  4. First payout scheduled

    T+1 · Chase •••• 6789

Live · since Tue, Mar 3
Talk to sales
Try the sandboxSandbox keys without a contract

No setup fee and no monthly fee. You pay per payment, at the rates in your proposal.

Your rate starts with a conversation.

Tell us how you sell and we send a written proposal for your markets and methods. Or open the sandbox today, no contract needed.

Talk to salesStart now

  • How pricing works

    What shapes your rate, what every account includes and what a proposal covers.

    Pricing

  • Start building

    Sandbox keys, test cards and test Pix, before you sign anything.

    Read the docs