By Lauren Bennett, merchant-statement analyst with 12 years of experience reviewing processing costs, batch reports and funding discrepancies
Last reviewed: July 19, 2026
Gravity Payments provides merchant processing, reporting and remote-payment tools for businesses. Existing customers should begin with the official Merchant Logins page, then use transaction, batch and statement reports to trace a payment through settlement rather than comparing daily sales directly with one bank deposit.
This independent article is not affiliated with Gravity Payments.
For businesses comparing providers, the most useful number is not a single advertised rate. It is the total cost shown across several representative processing statements, separated by in-person, remote and software-integrated payment activity.
What is Gravity Payments?
Gravity Payments is a merchant-services provider that helps businesses accept payments through physical devices, browser-based tools, customized payment forms and software integrations. Its merchant page also describes virtual terminals and reporting through Gravity Dashboard.
It is designed for business payment acceptance, not personal transfers.
A merchant account may involve several connected components: the payment device or business software, a gateway, transaction processing, reporting access and the bank account that receives settled funds. The Gravity name may appear across the relationship, but two merchants can still receive different equipment or account portals.
That variation matters during setup and troubleshooting.
A retailer accepting mostly tapped cards may focus on terminal reliability and daily batches. A professional-services firm may depend on a Virtual Terminal, customized payment form or payment link. Those payment paths can create different processing costs and reporting needs.
Where should merchants log in?
Gravity Payments maintains a central Merchant Logins page. It provides a direct Gravity Dashboard route and asks other merchants to choose the selection matching their merchant ID before continuing to the appropriate account page. Separate ChargeItPro destinations are also listed.
Use that page first.
Gravity Dashboard’s public screen contains email and password fields plus a Reset password option. It describes access to statements, live transaction reporting, previous receipts, filters and activity across locations.
A valid Gravity-related login can still be the wrong destination for a particular merchant. Repeated password resets will not solve a portal-assignment problem.
Confirm the merchant ID route first. Skip shared employee access as a workaround.
Individual users make it easier to remove access after a staff departure and preserve a clearer record of account actions. The Dashboard documentation includes user settings, multi-factor authentication and other account-management functions alongside reporting tools.
What is inside a Gravity Payments statement?
A merchant-processing statement usually summarizes the account’s sales activity, transaction counts, fees and other adjustments for a defined period. Gravity’s own statement guide says the exact appearance may vary, but the document should contain the same basic categories needed to understand where processing costs originate.
The statement should not be read as one undifferentiated fee.
A useful review separates:
- Total card sales
- Number of transactions
- Refunds or returns
- Interchange-related costs
- Card-brand assessments
- Processor pricing
- Platform or account charges
- Equipment expenses
- PCI-related charges
- Dispute activity
Gravity explains that card-brand fees are paid back to networks such as Visa, Mastercard, Discover and American Express. Those charges may appear under labels such as NABU, meaning Network Access and Brand Usage fees.
That distinction prevents a common mistake. Not every line on a processing statement represents the processor’s own markup.
Do this first: identify the processor pricing separately from network and card-brand costs. Skip conclusions based on one fee label that has not been defined.
How do merchants calculate the effective rate?
Gravity defines the effective rate as total monthly processing fees divided by total monthly sales volume. It is expressed as a percentage and can be calculated from the merchant statement.
The formula is:
Total monthly processing fees ÷ total monthly card sales × 100
For example, a business that processes $48,000 and pays $1,440 in total processing costs has an effective rate of 3%.
That number is useful because it captures the account’s broad cost rather than highlighting one selected transaction rate. Gravity’s pricing and merchant pages both provide calculators using monthly card sales and monthly fees.
Yet one month can mislead.
An annual charge, equipment purchase, large dispute or unusually low sales period can push the effective rate higher. Compare at least several ordinary months and identify unusual account-level expenses before judging the processor.
The effective rate also does not explain why costs changed. A higher share of card-not-present transactions, international cards, smaller ticket sizes or additional transaction counts may alter the result.
What does Gravity Payments charge?
Gravity’s current pricing page advertises 2.5% plus $0.10 per transaction and provides an effective-rate calculator. A merchant should still confirm which transactions qualify and request a written proposal covering the business’s actual payment channels.
The written quote should address:
- Chip and contactless transactions
- Manually entered payments
- Virtual Terminal activity
- Online forms and payment links
- Software-integrated transactions
- Monthly account or platform costs
- Hardware expenses
- Refund and dispute charges
- PCI-related costs
- Cancellation conditions
A headline percentage is not the whole account.
Gravity’s explanation of credit-card processing describes interchange-plus pricing as a structure in which interchange and card-brand fees are passed through, followed by a separate processing percentage and transaction fee.
That structure is easier to evaluate when the statement clearly separates cost categories. Other pricing arrangements may group costs differently, so merchants should compare final statements rather than trying to match fee names one by one.
Request a sample statement explanation before switching. Skip a proposal that cannot show how the quoted pricing appears in actual reporting.
What does a batch report show?
Gravity Dashboard’s batch-reporting documentation says the Batches section lists batches processed within a selected date range. The report can include transaction count, sales, returns, fees withheld, net amount and device ID.
Those fields are especially useful during deposit reconciliation.
The sales figure shows gross activity in the batch. Returns reduce that amount. Fees withheld can further change what is expected to reach the bank. The net amount is therefore more useful than gross sales when comparing the batch with a deposit.
Device ID can help businesses with multiple terminals or locations isolate where activity originated.
This is the practical sequence:
- Locate the customer transaction.
- Identify the batch containing it.
- Review sales, returns and fees withheld.
- Note the batch’s net amount.
- Compare that figure with the corresponding bank activity.
Do not compare one day’s receipt total with one deposit and assume the difference represents missing funds.
Batch cutoff times, refunds and bank processing schedules can separate the transaction date from the deposit date. Gravity’s Dashboard documentation is designed to let merchants inspect batch data beyond the top-line total.
How do merchants access monthly statements?
Gravity’s statement documentation says merchants receive an automated monthly email when statements are available. Users can follow the link and select Statements in the left-side panel to view current and historical processing statements.
The Merchant Logins page also identifies monthly statements as a Gravity Dashboard function.
Accounting teams should download or archive statements according to the company’s record-retention procedures. A consistent monthly review makes it easier to spot new fees, changed transaction patterns or unexplained adjustments.
Compare the current statement against the previous period. Look for differences in total sales, transaction count, returns, network fees and processor charges.
One odd month may have a simple explanation.
A recurring fee increase deserves closer review.
How can merchants search for an individual transaction?
Gravity’s Dashboard instructions place Transactions in the left navigation. Users can search by business or customer name, approval code, final four card digits or dollar amount.
These search fields help when the merchant does not know the exact processing date.
For example, a customer may remember a $275 charge but not the day it was submitted. An accounting employee can search by amount, then narrow the result using the business name or approval code.
Search the transaction before reviewing the batch. Skip broad funding questions until the original activity has been located.
Once the transaction is found, note its status, amount and associated batch information. That creates a cleaner support request when the reporting still does not reconcile.
Are Virtual Terminal payments different?
Yes. Gravity describes payments processed through a Virtual Terminal as card-not-present transactions. The tool is intended for businesses that need to accept payments from different locations without always using a physical point-of-sale terminal.
Gravity Dashboard places Virtual Terminal in the left control panel and documents transaction types including Sale, Authorization and Capture/Force.
Remote-payment activity should be priced and controlled separately from ordinary countertop transactions.
Limit Virtual Terminal access to employees who need it. Use consistent invoice or work-order references when available. A precise reference becomes valuable when a later refund, dispute or statement question must be connected to the original sale.
“Invoice 6142, service deposit” works.
“Card payment” does not.
Can Gravity Payments issue invoices?
Gravity Portals is the company’s online billing-management platform. Gravity says it allows business owners to issue invoices and collect customer payments.
That product is different from the reporting role of Gravity Dashboard and the merchant-operated Virtual Terminal.
A business needing accounts-receivable functions should verify whether its proposal includes Portals, payment links or both. Payment-link documentation shows that Dashboard users can open Payment Links, choose Create Link and select either a single-use or multi-use link.
Do not assume every remote-payment tool includes full invoice management.
Confirm whether the account supports customer balances, recurring billing, invoice history and integration with the business’s accounting workflow.
How should merchants contact support?
Gravity’s official Support page lists (866) 701-4700 and states that multilingual help is available 24/7 in English, Spanish, Korean and Japanese.
Prepare the reporting trail before calling.
State the affected location, portal, transaction date, amount, batch number and expected net deposit when those details are available through the account. Explain whether the problem involves one transaction, one batch or several days of funding.
“Batch 418 shows a net amount that has not matched the bank activity” gives support a defined starting point.
“Deposit missing” does not.
Gravity’s statement-support page also publishes the support phone route for questions involving processing statements.
Frequently asked questions
Is Gravity Payments a bank?
No. It is a merchant processor.
Where can I find Gravity Payments statements?
Gravity Dashboard users can select Statements in the left-side panel after signing in. Gravity says monthly email notices are sent when new statements are ready.
What is the Gravity Payments effective rate?
It is total monthly processing fees divided by total monthly sales volume, expressed as a percentage.
Why is the deposit lower than gross sales?
Returns, fees withheld and other batch activity can reduce the net amount. Gravity’s batch report lists sales, returns, fees withheld and net amount separately.
Can I search transactions by amount?
Yes. Gravity documents searches by customer or business name, approval code, final four card digits or dollar amount.
Are card-brand fees the same as Gravity’s markup?
No. Gravity says card-brand fees are paid to the major card networks and may appear as NABU or card-association charges.
Does Gravity Payments support remote billing?
Yes. Its materials describe a Virtual Terminal, payment links and Gravity Portals for online billing. Availability depends on the merchant’s account configuration.
Is support available overnight?
Yes. Gravity publishes 24/7 multilingual merchant support.
Merchants should review costs at three levels: individual transactions, settled batches and complete monthly statements. That sequence gives a more reliable picture than comparing an advertised rate with one unexplained bank deposit.