By Marcus Reed, merchant-services analyst with 9 years of experience comparing processing offers and supporting payment-account onboarding
Last reviewed: July 20, 2026
Gravity Payments is a U.S. payment processor offering merchant accounts, payment hardware, software integrations and online account tools. This guide is independent and is not operated by Gravity Payments.
Prospective merchants usually want to compare processing costs and equipment. Existing customers are more likely to need Gravity Dashboard, statements, batch reports or support. Those paths begin on different official pages, so identify the task before entering account details.
What Gravity Payments Offers
Gravity Payments helps businesses accept card payments through supported hardware, online systems and software integrations. The company says it integrates with hundreds of hardware and software solutions, while its merchant pages promote payment processing, reporting and rate-review tools.
Gravity Dashboard is the account side of that relationship. It provides a centralized view of recent transactions, batch history and sales performance, with Virtual Terminal access for eligible merchants.
These two roles should not be confused:
- The public merchant and pricing pages are used to research or request processing services.
- The Merchant Logins page routes existing customers to their account platform.
- Gravity Dashboard displays account activity for merchants assigned to it.
- Gravity Portals provides customer-facing invoice and payment functions.
A customer paying a Gravity-hosted invoice generally does not need the merchant’s Dashboard. The merchant uses reporting tools; the customer uses the payment route supplied by the business.
How Gravity Payments Pricing Is Presented
Gravity currently advertises flat-rate processing at 2.5% plus $0.10 per transaction and says merchants can begin taking payments in one week or less. That is a published offer, not proof that every business, transaction channel or existing account receives identical terms.
Read the qualification details first.
Payment-processing costs can differ when a business uses integrated software, remote payments, specialized hardware or a customized arrangement. Gravity’s pricing and merchant pages also promote an effective-rate calculator rather than suggesting that one headline number explains every statement.
An effective rate is calculated as:
Total monthly processing fees ÷ monthly card sales × 100
For example, $900 in processing fees divided by $30,000 in card sales produces a 3% effective rate. That calculation summarizes the month but does not identify why the rate reached that level.
Check the statement first. Skip conclusions based solely on the public rate.
The statement can reflect the account’s actual transaction mix, monthly charges and pricing structure. A third-party review may describe an older sample agreement or another merchant’s experience, which cannot establish the terms applied to a specific business. Search results currently include materially different outside estimates, reinforcing why account documents should take priority.
Questions to Ask Before Signing Up
A headline processing rate is only one part of a merchant offer. A business should review how the proposal applies to its normal payment environment.
Useful questions include:
- Does the advertised rate apply to in-person, online and keyed transactions?
- Is payment hardware purchased, rented or supplied under another arrangement?
- Does the business need a standalone terminal or software integration?
- Which monthly or account-level charges appear in the written proposal?
- How are refunds, chargebacks and batch funding reflected?
- Which reporting portal will the business receive?
- Does the setup support multiple locations or users?
Get each material term in writing. Skip verbal assumptions about equipment ownership, cancellation or processing categories.
Gravity’s public website highlights hardware and software compatibility, but the correct configuration depends on the merchant’s existing systems. A restaurant, medical office and mobile service company may need very different equipment even when their monthly card volume is similar.
Gravity Payments Login for Existing Merchants
Existing merchants should begin on Gravity Payments’ Merchant Logins page. It provides a Gravity Dashboard route and asks users to choose the selection matching their merchant ID so they can be sent to the appropriate login page.
This step prevents a common mistake: treating Gravity Dashboard as the universal login for every Gravity Payments account.
Gravity says the merchant ID, often abbreviated as MID, can be found in the installation email or in the upper-left corner of a merchant statement.
Use this order:
- Locate the MID.
- Open the official Merchant Logins page.
- Choose the route associated with that MID.
- Use Gravity Dashboard when it is the assigned platform.
- Contact official support when no listed route matches the account.
Do this before resetting a password.
The official Dashboard sign-in page contains email and password fields plus a Reset password option. It also lists monthly statements, transaction reporting, receipt printing, filtering and cross-location visibility as available functions.
Resetting a Gravity Dashboard Password
Gravity’s February 2026 Dashboard documentation gives a specific reset process. The user opens the Dashboard login page, selects Reset password, enters the email address associated with the account and chooses Send Email. The system then sends temporary-password and permanent-reset instructions.
The reset route only solves a password problem.
It will not correct:
- use of the wrong merchant portal
- an email that was never registered
- access limited to another business location
- a deactivated merchant account
- a user who lacks the required account permission
A user can also sign in successfully and still be unable to see a needed feature. In that case, account assignment or permissions should be reviewed before another password reset is attempted.
Briefly: login and authorization are separate.
What Gravity Dashboard Shows
Gravity describes Dashboard as a centralized payment-management tool with recent transaction information, batch history, sales data and an included Virtual Terminal for processing payments.
Its live login page advertises additional merchant tasks:
- printing past receipts
- reviewing transaction history
- applying filters
- viewing activity across locations
- opening monthly statements
These screens answer different questions. Transaction history identifies individual payments. Batch reports group payments submitted for settlement. Statements summarize broader processing activity and charges.
Do not compare a daily point-of-sale sales total directly with one bank deposit and assume the processor made an error. Review the related transaction records, batch and statement period first.
That takes longer. It is also more accurate.
Gravity Portals and Customer Invoices
Gravity Portals is the company’s online billing-management platform. Gravity says it allows business owners to issue invoices and collect customer payments, while its main Portals page describes customizable payment and presentment workflows with a self-service customer portal.
This product serves a different path from Gravity Dashboard.
| Tool | Primary user and task |
|---|---|
| Gravity Dashboard | Merchant reviews transactions and account activity |
| Virtual Terminal | Merchant enters eligible remote payments |
| Gravity Portals | Customer receives billing and payment access |
| Dispute Manager | Merchant reviews retrievals and chargebacks |
Feature availability varies by merchant account. A public product page confirms that Gravity offers a tool, but it does not confirm that the tool has been enabled for a particular business.
Chargebacks and Dispute Manager
Gravity’s Dispute Manager is an online portal that lets merchants access and respond to retrieval and chargeback notices issued to their accounts. Merchants can also register for email notifications when a dispute is received.
A chargeback is not an ordinary refund.
A refund is initiated by the merchant through its normal payment workflow. A chargeback begins when a cardholder disputes a transaction through the issuing bank and the formal card-payment dispute process follows.
Gravity advises merchants to monitor bank deposits and point-of-sale reports for discrepancies that could indicate a chargeback. The company also notes that its electronic dispute portal can make notices available before a paper notice arrives.
Review dispute notices promptly. Skip informal assumptions about the response deadline or required evidence; use the instructions displayed for the actual case.
When an Error Is Not a Password Problem
Gravity’s developer documentation lists several account-level emergepay errors. Error 00007 means the merchant has been deactivated and directs the user to customer service. Error 00008 means the current batch could not be retrieved, commonly because the account is inactive or batches are out of sync.
Neither error is fixed by changing the Dashboard password.
Record:
- the exact error code
- the affected payment tool
- the merchant ID
- the date and approximate time
- whether all locations or only one are affected
Then contact support through the official channel. A precise report such as “error 00008 appears when retrieving the current batch” is more useful than “Gravity Payments is down.”
Gravity Payments Support
Gravity states that merchant support is available 24 hours a day at (866) 701-4700. Its support materials identify English, Spanish, Korean and Japanese assistance.
Gravity’s statement-access page also lists technical support by phone and email for merchants who need help retrieving processing statements.
Use official support when:
- the MID does not identify a portal
- account ownership or authorized contacts changed
- a reset email does not reach an existing Dashboard user
- statements or locations are missing
- a batch cannot be retrieved
- the merchant appears deactivated
- Dispute Manager access fails
- pricing on the statement does not match the written agreement
Keep the question account-specific. Support cannot efficiently investigate “fees seem high” without the statement month, affected charge and merchant account context.
Frequently Asked Questions
Is Gravity Payments a bank?
No. It provides merchant payment-processing services.
What is the official Gravity Payments login?
Gravity Payments uses a Merchant Logins page that routes businesses according to their merchant ID. Gravity Dashboard is one listed option, but it is not necessarily the correct portal for every merchant.
What does Gravity Payments charge?
Gravity currently advertises flat-rate pricing of 2.5% plus $0.10 per transaction. Qualification and account terms can vary, so existing merchants should compare the advertised offer with their written agreement and current processing statement.
Where is the merchant ID?
Gravity says the MID appears in the installation email or in the upper-left corner of a merchant statement.
Can I reset my Gravity Dashboard password online?
Yes. Select Reset password on the Dashboard login page, enter the account email and choose Send Email to receive the reset instructions.
Does Gravity Payments support invoices?
Yes. Gravity Portals is an online billing platform that allows participating businesses to issue invoices and collect customer payments.
What is Gravity Dispute Manager?
It is an online portal for accessing and responding to retrieval and chargeback notices issued to a merchant account.
Is support available after normal business hours?
Yes. Gravity states that merchant support is available 24/7.
