How Gravity Payments Works for Merchants

By [verified author name], payment-operations editor with [verified years] covering merchant accounts and card processing
Last reviewed: July 10, 2026

Gravity Payments provides merchant services for businesses that accept card and electronic payments in person, online, through mobile hardware, or through integrated software. Existing merchants may use Gravity Dashboard, Gravity Portals, or a legacy product depending on their account setup. This independent guide is not operated by or affiliated with Gravity Payments.

Pricing is not one universal number. Gravity publishes a flat rate for qualifying in-person transactions, while integrated payments, card-not-present sales, equipment, and customized merchant arrangements may follow different terms.

What is Gravity Payments?

Gravity Payments is a US merchant-services provider offering payment processing, terminals, mobile tools, e-commerce options, software integrations, reporting, invoicing, and merchant support. It is registered as an Independent Sales Organization with named US banking partners.

How much does Gravity Payments charge?

Gravity’s current public flat-rate offer is 2.5% plus $0.10 per transaction for qualifying in-person transactions. Its pricing page also offers customized processing rates and fees for businesses whose payment setup does not fit the flat-rate model.

The qualification language matters. Gravity states that payments integrated into a software solution or accepted when the customer is not physically present may not qualify for the published flat rate. An online invoice, keyed virtual-terminal payment, e-commerce checkout, or integrated practice-management transaction should not automatically be priced as though it were a standard card-present sale.

Check the pricing basis first; skip comparing processors using only one headline percentage.

A merchant’s total cost may include more than the processor markup. Card-network assessments, interchange, PCI-related charges, equipment, optional products, and other agreement terms can affect the effective rate. Gravity defines effective rate as the average percentage of processing fees associated with transactions and provides a calculator using monthly card sales and monthly fees.

Gravity’s official pricing page does not publish one standard contract length or early-termination charge for every account. Those details should be checked in the written merchant proposal and agreement rather than inferred from the 2.5% offer.

Which Gravity Payments login should a merchant use?

There is no single login route for every Gravity product.

The safest starting point is Gravity’s Merchant Logins page. It links directly to Gravity Dashboard and asks some merchants to choose an option based on the first digit of their Merchant ID. Separate links are provided for legacy ChargeItPro tools and the gift-card server.

Use the official Merchant Logins page first; skip search-result pages that do not identify which Gravity product they open.

The main routes are:

• Gravity Dashboard: monthly statements, batch reports, transaction activity, sales reporting, and a virtual terminal.
• Merchant-ID-directed access: the correct destination is selected according to whether the ID starts with 3, 4, 5, or 6.
• Legacy gateway console: transactions, batches, virtual-terminal functions, and fraud tools for older integrated solutions.
• Gift server: gift-card processing, balances, and related reports.
• Gravity Portals: online invoice creation and customer payment collection.

A merchant who lands on a familiar-looking page that does not show the expected statements or batches may simply be in the wrong Gravity product. That is a routing issue, not necessarily an account failure.

Where can I find my Merchant ID?

Gravity says the Merchant ID, often shortened to MID, can be found in the email sent after installation or in the upper-left area of the merchant processing statement.

That detail is useful because the Merchant Logins page may route the merchant according to the MID’s first digit. Support tickets also include a Merchant ID field, although the public form labels it “if known.”

Do not confuse the Merchant ID with an invoice number, terminal identifier, batch number, or ordinary website login email. They identify different parts of the payment environment.

What can Gravity Dashboard do?

Gravity Dashboard is the centralized merchant view for recent transactions, batch history, sales activity, statements, reports, and virtual-terminal payments. Its direct login page also advertises receipt printing, transaction-history review, filters, and activity across multiple locations.

A batch groups transactions that are submitted together for settlement. The batch report can help explain why several individual card sales appear as one deposit-related group rather than separate bank entries.

Monthly statements follow a specific path. Gravity instructs merchants to select Statements in the left panel, choose the month and year in the Statement column, and use Past Months – By Location when retrieving statements for a particular site. Gravity also sends an automated email when a new monthly statement is ready.

That is one of the more useful experienced-user details. The newest statement appears first, while older multi-location records sit behind the location dropdown.

The virtual terminal allows a merchant to process a payment without using the ordinary countertop-card flow. Because keyed and other card-not-present transactions can carry different risk and pricing characteristics, the published in-person flat rate should not be assumed to cover every virtual-terminal payment.

Why does Gravity Dashboard request multi-factor authentication?

Gravity Dashboard can require multi-factor authentication during sign-in. Gravity documents two setup methods: an authentication application and text messaging. Its authentication-app instructions identify Google Authenticator, which produces a new login code every 30 seconds.

After choosing a method and entering the supplied code, the user may see a remember this device checkbox. That option can reduce how often the second authentication step is requested on that device.

A changed phone or an outdated authenticator entry can interrupt this process. Gravity’s documented reset sequence includes deleting the earlier Gravity code from Google Authenticator, signing out of Dashboard, opening a new browser tab or window, and signing in again to trigger MFA setup.

Use that documented reset only when it matches the issue. Skip repeated changes when the merchant may simply be on the wrong login route.

Gravity Dashboard versus Gravity Portals

Gravity Dashboard and Gravity Portals serve different jobs.

Gravity Dashboard concentrates on processed payment activity. It displays transactions, batches, statements, reports, and virtual-terminal tools.

Gravity Portals is Gravity’s online billing-management platform. It allows a business to issue invoices and collect customer payments remotely.

A professional-services firm might use Portals to send a customer an invoice, then use Dashboard to review the resulting payment activity and processing statement. The two systems can participate in one transaction without presenting the same screens.

This distinction is frequently missed by generic Gravity Payments pages, which may describe invoicing, virtual terminals, terminals, and reporting as though they all live inside one merchant interface.

How to contact Gravity Payments support

Gravity publishes 866-701-4700 as its primary support number and states that telephone support is available 24 hours a day, seven days a week. English, Spanish, Korean, and Japanese support are listed.

Its support form requests the business name, Merchant ID if known, contact name, phone number, email, issue subject, and a written message. Gravity says support-ticket replies are provided within one business day and directs urgent requests to the telephone line.

Use the phone route first for an active payment interruption, terminal outage, settlement concern, or time-sensitive account restriction. Skip relying on the one-business-day ticket window when the business cannot accept payments.

Gravity also maintains a public system-status link from its support navigation. Checking status can separate a wider service incident from a problem affecting only one terminal, location, user, or integration.

PCI compliance and security costs

PCI DSS is the payment-card industry’s baseline security standard for protecting payment data. The PCI Security Standards Council develops and maintains the standards, while merchants and payment providers have responsibilities based on how card information is stored, processed, or transmitted.

Gravity says it works with VikingCloud, previously branded SecureTrust in some materials, to help merchants complete PCI DSS validation through questionnaires and related assistance.

Gravity’s detailed support material currently lists a $115 annual PCI compliance fee, $55 for each additional location, and a $19.95 monthly noncompliance fee for the described program. It also says merchants must complete an applicable Self-Assessment Questionnaire at least annually. These charges should be matched against the merchant’s own statement and agreement because account configuration can affect how compliance services are provided.

PCI validation is not a one-time decoration attached to the account. It is an ongoing merchant responsibility shaped by the payment channels and equipment in use.

What to verify before choosing Gravity Payments

Gravity may fit a business that values individualized merchant-service setup, several hardware choices, integration support, invoicing tools, and round-the-clock telephone assistance. It supports in-store, online, mobile, and integrated payment arrangements across industries including healthcare, professional services, hospitality, construction, retail, government, and nonprofits.

The final comparison should be based on the written offer, not the brand’s general pricing headline.

Verify the proposed processing model, card-present and card-not-present rates, per-transaction charges, PCI costs, hardware ownership, optional-service fees, funding expectations, contract term, cancellation provisions, and every charge that can appear on a statement. Gravity publishes some of these details publicly, while others depend on the customized merchant arrangement.

Gravity Payments FAQ

Is Gravity Payments a bank?

No. It is a merchant-services provider.

What is the Gravity Payments flat rate?

The published offer is 2.5% plus $0.10 for qualifying in-person transactions. Integrated and card-not-present payments may not qualify, while customized pricing is also available.

Where is the Gravity Payments login?

Gravity’s Merchant Logins page routes merchants to Gravity Dashboard, Merchant-ID-specific access, ChargeItPro legacy tools, or the gift server.

What if I do not know my Merchant ID?

Check the post-installation email or the upper-left area of a merchant processing statement. Support can also be contacted through Gravity’s published service channels.

Does Gravity Payments have 24-hour support?

Gravity states that multilingual telephone support is available 24/7 at 866-701-4700. Its online support form carries a stated response time of within one business day, so urgent payment or terminal issues should be directed to the phone line.

Can Gravity Payments send invoices?

Yes. Gravity Portals is its online billing platform for issuing invoices and collecting customer payments.

Is the 2.5% rate available for online payments?

Not necessarily. Gravity’s pricing caveat says integrated payments and transactions where the customer is not physically present may not qualify for the flat-rate offer.

Where are processing statements located?

In Gravity Dashboard, select Statements, choose the relevant month and year, and use the location dropdown for older statements tied to a particular business site.