By Melissa Grant, merchant-account support specialist with 8 years of experience handling payment reporting, terminal and settlement issues
Last reviewed: July 19, 2026
Gravity Payments is a merchant-services company that provides card processing, payment hardware, online transaction tools and account reporting for U.S. businesses. Merchants should compare the complete written proposal, confirm which payment channels are covered and identify the exact dashboard or gateway they will use before opening an account.
This is an independent informational article. It is not affiliated with or operated by Gravity Payments.
Existing customers usually need one of two things: the correct merchant login or an explanation for a transaction, batch or deposit that does not look right. Prospective customers have a different task. They need to determine whether the advertised pricing, equipment and software support match the way their business actually accepts payments.
Those paths should not be mixed.
What does Gravity Payments provide?
Gravity Payments helps businesses accept electronic payments. The company’s merchant materials describe solutions involving countertop terminals, virtual terminals, integrated software, customized payment forms and reporting through Gravity Dashboard.
A processor sits between several parties involved in a card transaction. Depending on the setup, payment information moves from the merchant’s terminal, software or online form through processing infrastructure and the relevant card network for authorization. Approved transactions are later grouped for settlement.
Gravity Payments is not a consumer wallet.
Its services are aimed at merchants such as professional offices, healthcare providers, restaurants, retailers and field-service businesses. The useful question is not simply whether Gravity accepts cards. Most processors do. The useful question is whether its supported payment method fits the merchant’s point-of-sale system, reporting process, staff permissions and average transaction mix.
A business that accepts nearly every payment at a staffed counter has different needs from one that enters card details after receiving an invoice by phone. The latter relies more heavily on card-not-present processing, user controls and reconciliation notes.
How do I find the correct Gravity Payments login?
Use Gravity’s Merchant Logins page first.
The page provides direct access to Gravity Dashboard and a separate merchant-ID selector for accounts assigned to other login environments. The current selector asks whether the merchant ID begins with 3, 4, 5 or 6, then sends the customer to the applicable account page. It also lists separate ChargeItPro destinations for legacy gateway and gift-card functions.
This design explains why searching for “Gravity Payments login” can produce the wrong screen even when the result belongs to a real Gravity-related service. Two merchants using the same processor may have different gateways because of their software integration, account age or equipment configuration.
Do not keep resetting a password until the portal has been confirmed.
Gravity Dashboard itself provides access to monthly statements, batch reports and an enabled Virtual Terminal. The company describes the Dashboard as a central location for recent transactions, batch history and sales performance.
Merchants using Gravity Dashboard may also encounter multi-factor authentication. Gravity’s developer documentation says users who have not configured MFA can be redirected during login and prompted to choose an authentication application or text-message method. A “remember this device” option may reduce repeated MFA prompts on a trusted device.
Access problems after a staff departure should be treated as an account-administration issue, not solved by sharing another employee’s credentials. Ask an authorized administrator or Gravity support to address the user access.
What can merchants do inside Gravity Dashboard?
Gravity Dashboard combines reporting and payment-management functions in one web interface. Gravity lists recent transaction activity, batch reporting, sales data and Virtual Terminal processing among its core uses. Its support library also includes documentation for statements, added users, payment links, MFA and interchange-management services.
The most useful functions depend on the employee’s role.
A front-desk employee may need to enter an approved payment or locate a receipt. An owner may review sales totals. An accounting employee will usually care more about settled batches, processing statements and whether a deposit can be tied back to a specific group of transactions.
These are separate checks.
A transaction report answers whether a sale, refund or void appeared in the system. A batch report helps show which transactions were grouped together for settlement. A processing statement shows fees and account-level activity over a statement period. Looking at only one report can produce the wrong conclusion.
For example, a sale completed late in the day may not belong to the batch an employee expected. Refunds and voids also affect totals differently. When a deposit appears lower than gross sales, compare the settled batch and statement before assuming money is missing.
That is the first priority. Skip manual estimates based on receipt totals until the processor’s reports have been checked.
Can Gravity Payments process manually entered transactions?
Gravity Dashboard includes a Virtual Terminal for accounts where that function is enabled. Gravity’s instructions place the Virtual Terminal option in the left control panel and list Sale, Authorization, Capture/Force and Void/Refund among its supported transaction types.
A virtual terminal is used through a web interface rather than a physical card-reading device. Gravity describes virtual-terminal payments as card-not-present transactions and notes that these tools can support functions such as recurring billing and customer-data management, depending on the product configuration.
Card-not-present activity deserves closer controls because the physical card is not being read at the point of sale. Merchants should confirm which employees can access the Virtual Terminal, how the customer authorized the payment and what reference information should be entered for reconciliation.
Use the invoice or service reference field consistently when one is available. Skip vague notes such as “payment” or “customer charge”; they become nearly useless when several transactions for the same amount appear during a dispute or monthly close.
The exact rate for manually entered transactions should be verified in the merchant proposal. A rate promoted for qualifying in-person payments should not automatically be assumed to apply to Virtual Terminal activity.
What does Gravity Payments charge?
Gravity Payments presents public pricing information alongside customized merchant pricing. Because processing cost depends on the payment channel, card type, business category and account arrangement, a headline rate does not describe every transaction a merchant may accept.
The pricing page should be read together with the written offer supplied to the individual business.
Ask Gravity to identify the pricing method for:
- Chip and contactless transactions
- Swiped transactions
- Manually entered payments
- Online checkout
- Recurring billing
- Software-integrated transactions
- Refunds and chargebacks
- Payment hardware
- Gateway or platform access
Some costs on a merchant statement may come from card brands or financial institutions rather than representing only the processor’s margin. Gravity’s published card-brand fee guide, for example, lists assessments and transaction-based charges associated with payment networks.
That difference matters when comparing providers. A proposal may describe the processor’s markup clearly while pass-through network expenses remain variable.
Calculate the effective rate after receiving a real statement:
Total processing costs ÷ total card sales × 100
This percentage is useful for reviewing the account as a whole. It is not a promise that every individual transaction costs the same percentage. The result can change with average ticket size, card mix, keyed payments, refunds and seasonal sales.
Compare like with like.
How quickly are card payments deposited?
Gravity does not present one universal deposit timeline that applies to every merchant scenario in the sources reviewed for this article. Settlement can depend on the account, batch-close timing, bank processing days, transaction review and other operating conditions.
A merchant should therefore verify the expected funding schedule in its own agreement or onboarding documents.
The practical reporting path is:
- Confirm that the transaction was approved.
- Check whether it entered a closed batch.
- Review the batch settlement status.
- Compare the expected net amount with the bank deposit.
- Check the statement for fees, adjustments or returns when totals differ.
Do not treat authorization and funding as the same event. An approved card transaction indicates that the transaction received an authorization response; the resulting funds must still pass through batching and settlement.
Timing may also vary by region and banking calendar.
If a completed batch remains unmatched, contact support with the business information and relevant transaction reference available through the account. Do not send confidential payment information through an unverified contact method.
Is Gravity Payments customer support available around the clock?
Gravity’s current support page states that telephone support is available 24 hours a day and lists assistance in English, Spanish, Korean and Japanese. It also offers a support-ticket form and says ticket replies are generally provided within one business day, while urgent issues should be handled by phone.
The support page includes fields for the business name, merchant ID when known, contact information, subject and a description of the issue. It also provides a screen-sharing route for customers who are already working with support and have received a session key.
Use screen sharing only after initiating or verifying the support interaction through Gravity’s published channel.
A strong support request states what happened, when it happened and which tool or terminal was involved. “Payments are broken” gives the technician little to work with. “The terminal approved transactions, but yesterday’s closed batch is not visible in Dashboard” narrows the investigation without exposing payment credentials.
What are the merchant’s PCI compliance duties?
PCI DSS is the Payment Card Industry Data Security Standard. It applies to organizations that process, store or transmit payment-card information, although the validation steps depend on factors such as transaction volume, payment channels and how card data is captured.
Using Gravity Payments does not remove the merchant’s responsibilities.
Gravity partners with VikingCloud, also referenced as SecureTrust in its materials, to support merchants with guided assessments, validation tools and identification of the appropriate Self-Assessment Questionnaire.
Gravity’s security guidance tells merchants to keep payment software updated, train employees, physically inspect payment devices, separate public Wi-Fi from the business network and avoid storing restricted card data. It also emphasizes that PCI compliance is an ongoing activity rather than a one-time setup task.
Inspect the terminal first. Skip cosmetic troubleshooting if a card reader looks altered, damaged or harder to use than normal.
The PCI Security Standards Council maintains the underlying PCI DSS framework. A merchant unsure about its validation category should use the guided assessment tied to its actual processing environment rather than selecting a questionnaire based on guesswork.
Questions to ask before choosing Gravity Payments
A processor comparison should cover operations, not merely rates.
Ask which login environment will be provisioned and whether it supports separate users. Confirm whether the business will receive Gravity Dashboard, another merchant console or a software-specific interface. Request a demonstration of the reports used to reconcile deposits.
Then examine the equipment and contract details. Determine whether hardware is purchased, rented or included under another arrangement. Ask what happens when a device fails, who installs replacements and whether the merchant’s existing business software supports the proposed payment integration.
The final check is portability. Businesses change scheduling, accounting and point-of-sale systems. A processor that fits the current workflow may require a different gateway or device after a software migration.
Get the answers in writing.
Two mistakes account for much of the confusion around merchant processing. The first is comparing one advertised percentage while ignoring transaction channels and recurring charges. The second is assuming that every Gravity feature shown online will be active in a particular account.
Frequently asked questions
Is Gravity Payments only for online businesses?
No. It supports in-person and remote payment setups.
Why does Gravity Payments have several login pages?
Merchant accounts can be connected to different dashboards, gateways and legacy products. Gravity’s account page directs users according to their merchant ID and separately lists Gravity Dashboard and ChargeItPro access.
Can I download processing statements from Gravity Dashboard?
Gravity identifies monthly statements as one of the resources available through Gravity Dashboard, and its support library contains a specific statement-access tutorial. Availability may depend on the user’s account and permissions.
What should I do when Gravity Dashboard asks for MFA?
Follow the setup prompt using the authentication method approved for the account. Gravity currently documents authentication-app and text-message options, followed by an MFA code screen. Contact published support if the registered method is no longer accessible.
Does Gravity Payments support refunds?
Its Virtual Terminal documentation lists Void/Refund as an available transaction type. The permitted procedure and user access depend on the merchant configuration.
Is every Gravity Payments transaction charged the same rate?
No. Pricing can differ according to the merchant agreement, payment channel and transaction characteristics. Review the written pricing schedule for in-person, keyed, online and integrated payments rather than applying one advertised rate to all activity.
Who should I contact when a deposit is missing?
Check the transaction and settled batch first, then contact Gravity through its published support page when the payment cannot be reconciled. The support team is listed as available around the clock for urgent account assistance.
Does Gravity complete PCI compliance for the merchant?
No. Gravity supplies processing services and compliance-support resources, but each merchant must maintain the controls and validation appropriate to its own payment environment.
Prospective merchants should request a channel-by-channel price proposal and confirm the exact reporting platform before signing. Current customers should begin with the merchant-ID login route, then compare transactions, batches and statements in that order.