Square was the first to introduce a combo mobile card reader and app. Since it arrived on the scene, issuers – including Bank of America and U.S. Bank – began offering similar services. But Capital One might be the only issuer using the same sub-brand for its payment reader as it does for its payment products. By calling it “Spark Pay,” the bank elevates its overall sub-brand offering and shows that Capital One’s more than a small business payment provider: it’s a complete small business banking solution.