By Cameron Wells, merchant-services support analyst with 12 years of experience explaining card processing, settlement and reporting systems
Last reviewed: July 20, 2026
Gravity Payments supplies businesses with payment-processing services, hardware and account-reporting tools. Existing merchants can use Gravity Dashboard or another assigned portal to review transactions, batches and statements. This independent guide is not affiliated with Gravity Payments.
The most important step is identifying the correct merchant system. Gravity maintains a Merchant Logins page because different accounts can be routed to different platforms according to their merchant ID.
What Gravity Payments Does
Gravity Payments provides merchant services, a broad category covering the hardware, software and financial connections businesses use to accept electronic payments. The company supports in-person card acceptance, online checkout, virtual-terminal payments, ACH and integrations with business software.
It is built mainly for businesses, not consumers seeking a peer-to-peer payment account.
A merchant may encounter several Gravity products during an ordinary payment lifecycle:
- a terminal or checkout page collects the payment
- a processor communicates the transaction for authorization
- the merchant closes or submits a batch
- funds move through settlement
- Dashboard reporting records the activity
- the monthly statement summarizes processing and fees
Each tool covers a different stage. A terminal failure, missing Dashboard report and unexplained bank deposit therefore require different troubleshooting paths.
Identify the stage first. Skip changing account settings until the actual problem has been narrowed.
How a Card Payment Moves Through the System
When a customer presents a card, the merchant’s payment device or software sends a transaction request through the processing system. The request travels to the relevant financial participants so the payment can be approved or declined. Approved transactions are later grouped and submitted for settlement.
Gravity describes interchange-plus pricing as a model in which interchange and card-brand fees pass through to the merchant, with a processor percentage and transaction charge added. That is a description of one pricing structure, not confirmation that every Gravity merchant uses the same arrangement.
Authorization and settlement are separate events.
An approved payment can appear in transaction reporting before the related funds reach the merchant’s bank. The merchant may also need to close or settle a batch before funding can proceed under the account’s configuration.
This timing explains why a same-day sales report should not always be expected to match a same-day bank entry. The batch date, processing cutoff and banking schedule may place the deposit on another date.
Start with the transaction record. Then find its batch.
Which Gravity Payments Login Should a Merchant Use?
Gravity’s Merchant Logins page lists Gravity Dashboard for monthly statements, batch reports and Virtual Terminal access. It also includes separate account routes and asks merchants to choose the selection matching their MID.
MID means merchant ID. Gravity says it can be found in the installation email or in the upper-left corner of a merchant statement.
Use this route:
- Locate the MID.
- Open the official Merchant Logins page.
- Select the MID range or account product shown there.
- Continue to Gravity Dashboard only when it is the assigned system.
- Contact Gravity support when the account documents do not identify a clear portal.
Do this before requesting a new password.
A Gravity-branded login page can be genuine yet wrong for the business. Separate portals may exist because of integrations, earlier account configurations or products such as ChargeItPro.
The Dashboard user email is also not the MID. The email identifies an authorized person; the MID identifies the processing account. Confusing those two records can lead employees to search for an account that was never attached to their profile.
What Merchants Can Do in Gravity Dashboard
Gravity describes Dashboard as a centralized tool for viewing and managing payment activity. It provides a snapshot of recent transactions, batch history and sales performance and can include a Virtual Terminal.
The live login page also lists these merchant functions:
- accepting payments
- accessing monthly statements
- reviewing transaction history
- applying transaction filters
- printing past receipts
- seeing transactions across locations
Those tools are useful for different questions.
Use transaction history to research one payment. Use receipt printing when a customer or staff member needs a copy of the original record. Use batch reports when a deposit does not match expected activity. Use statements for monthly fees and broader account review.
Do not begin with the statement when one payment is in question. A precise transaction search produces a cleaner trail.
For a multi-location business, verify the selected location before concluding that a payment is missing. A valid transaction may belong to another branch or merchant account that the signed-in employee cannot currently see.
Gravity Payments Statements and Monthly Charges
Gravity says most merchants receive statements by email near the beginning of each month. Fees are generally debited within the first few days and reflect the previous month’s processing.
That timing deserves attention.
A fee debit appearing on August 2 may relate to July activity. Comparing it only with August sales would produce the wrong conclusion.
Inside Gravity Dashboard, merchants can open Statements from the left-side panel to view current and historical processing statements. Gravity sends an automated email when a new statement is ready.
Use the statement to review:
- the processing month
- monthly card sales
- processing charges
- account-level fees
- adjustments
- the merchant ID
- figures needed to calculate an effective rate
Gravity’s merchant page defines effective rate as the average percentage of fees associated with card activity. Its calculator uses monthly card sales and monthly card fees.
The calculation is:
Monthly card fees ÷ monthly card sales × 100
That result is useful for comparing periods. It does not, by itself, explain why each charge appeared.
Why a Deposit May Differ From Sales
A receipt, transaction report, batch and bank deposit are connected, but they are not identical records.
The receipt concerns one customer payment. The transaction report shows its processor-side activity. A batch groups payments for settlement. The bank entry records resulting funding.
A difference may arise from:
- payments entering another batch
- refunds or voids
- late batch closure
- multiple locations or devices
- account adjustments
- the merchant’s funding configuration
Check records in this order:
| Record | What it answers |
|---|---|
| Transaction history | Was the individual payment recorded? |
| Receipt | What was shown for that payment? |
| Batch report | Which transactions were submitted together? |
| Statement | Which monthly charges or adjustments appeared? |
| Bank account | What amount was ultimately funded? |
Gravity identifies batch reporting as a central Dashboard function.
Prioritize the batch and its processing date. Skip comparing gross sales directly with one deposit unless the account’s funding arrangement is already understood.
Using the Gravity Virtual Terminal
Gravity’s Virtual Terminal is reached from the left control panel inside Dashboard when it is enabled for the account. The documented transaction options are Sale, Authorization, Capture or Force, and Void or Refund.
This is a merchant-operated tool. It differs from a customer-facing checkout page or invoice portal.
A sale records a payment through the Virtual Terminal. An authorization reserves approval without necessarily completing the final capture. Capture or Force completes eligible authorized activity. Void or Refund adjusts an earlier payment according to its status.
Find the original transaction before making an adjustment.
Creating a separate offsetting charge can leave both records in reporting and complicate reconciliation. The merchant should use the action attached to the original payment whenever the account workflow permits it.
Virtual Terminal access can also vary by merchant setup. The fact that Gravity offers the product does not prove that every account or employee has access to it.
Gravity Portals and Customer Billing
Gravity Portals is an online billing-management platform that allows participating businesses to issue invoices and collect customer payments.
It serves a different audience from Gravity Dashboard.
Dashboard is primarily for authorized merchant users reviewing processing activity. Portals can provide a customer-facing payment and presentment experience. A customer receiving an invoice should normally follow the route supplied by the merchant rather than search for the merchant’s internal Dashboard.
This division prevents a common mistake. Sending an invoice recipient to the Merchant Logins page can create confusion because that page asks for business account access rather than the customer’s hosted payment.
Use Portals for the configured billing workflow. Use Dashboard to review resulting merchant activity.
Feature availability varies by account.
Gravity Payments Login Not Working
The official Dashboard login page uses an email and password and includes a Reset password option.
Before resetting anything, determine which failure is occurring:
- the page does not load
- the login is rejected
- the reset email does not arrive
- the user signs in but a report is missing
- one location is absent
- the payment device works but Dashboard does not
- Dashboard works but a transaction tool is unavailable
These are separate problems.
A missing report after successful login is usually not fixed by another password reset. The issue may involve account assignment, permissions or use of the wrong merchant portal.
Check Gravity’s account route first. Then check whether another authorized user experiences the same problem. If only one profile is affected, user access is more likely than a broad service issue.
Record the exact screen and wording. “Statements is missing from the left navigation” is more useful than “the account is broken.”
Contacting Gravity Payments Support
Gravity currently lists support at (866) 701-4700 and says multilingual assistance is available 24 hours a day in English, Spanish, Korean and Japanese.
Contact support when:
- the MID does not identify a clear portal
- a legitimate user cannot recover access
- transactions or batches cannot be located
- a monthly charge remains unexplained after statement review
- Virtual Terminal access is unexpectedly absent
- a customer payment cannot be matched with merchant reporting
- the problem affects multiple locations or devices
Prepare the MID, portal name, affected date, business location and exact error message. For a reconciliation question, include the transaction amount, batch date and bank-entry date.
Keep the handoff narrow.
“July 17 batch activity does not match the July 19 funding entry” gives support a usable starting point. “My deposits are wrong” does not.
Frequently Asked Questions
Is Gravity Payments a bank?
No. It provides merchant payment-processing services.
Where is the Gravity Payments login?
Begin at the official Merchant Logins page. Gravity routes merchants toward Dashboard or another account platform according to the merchant ID.
What is a merchant ID?
It is the identifier attached to the business’s processing account. Gravity says the MID appears in the installation email or at the top-left of a merchant statement.
What can Gravity Dashboard show?
It can display transactions, batches, sales activity, statements and cross-location reporting. Supported accounts can also include Virtual Terminal access.
When are Gravity Payments statements sent?
Gravity says most merchants receive them near the beginning of each month. Fees debited during the first few days generally reflect the prior month’s processing.
Why doesn’t my deposit equal my sales total?
Sales, batch totals and bank deposits represent different stages. Review transaction activity, the related batch, refunds or adjustments and the statement before treating the difference as an error.
Is Gravity Portals the same as Dashboard?
No. Portals supports customer billing and invoice collection, while Dashboard is primarily used for merchant reporting and payment management.
Is Gravity Payments support open overnight?
Yes. Gravity states that its multilingual support team is available 24/7.
