By Daniel Mercer, payment systems support analyst with 9 years of merchant-account troubleshooting experience
Last reviewed: July 20, 2026
Gravity Payments is a U.S. payment-processing provider for businesses that accept card payments in person, online or through integrated software. This independent guide is not operated by, endorsed by or connected with Gravity Payments.
Most searchers need one practical result: reach the correct merchant portal without landing on an unrelated “Gravity” product. Gravity Payments maintains a central Merchant Logins page because the appropriate login can depend on the merchant account and associated platform.
What Gravity Payments Does
Gravity Payments provides merchant payment-processing services, including card terminals, online payment tools, point-of-sale integrations, virtual-terminal access and reporting tools. Its merchant solutions are aimed largely at organizations that need to accept and manage customer payments rather than consumers trying to send money to friends.
That distinction matters.
Someone searching for “Gravity Payments account” may be trying to reach one of several destinations:
- Gravity Dashboard for transactions, statements and batch reports
- A processor-specific merchant portal selected by merchant ID
- ChargeItPro tools
- Gravity Portals for invoices and customer payments
- Technical support rather than an account screen
Do not choose a login merely because its page contains the word “Gravity.” Several unrelated software companies use the same name.
Where Is the Gravity Payments Merchant Login?
Start with the Merchant Logins page on the Gravity Payments website. It links to Gravity Dashboard and includes a selector that directs merchants according to their merchant ID number. The same page also separates ChargeItPro logins from the main Dashboard route.
Gravity Dashboard is the company’s centralized merchant tool for reviewing recent transactions, batch history and sales activity. It also supports a Virtual Terminal for eligible accounts.
Do this first: open the company’s main website and navigate to Merchant Logins. Skip advertisements, generic login directories and pages belonging to similarly named accounting or automation products.
A hands-on detail matters here. The portal selected for one business may not match the portal used by another, even when both businesses process through Gravity Payments. That is why the official account page asks merchants to choose the option matching their merchant ID rather than publishing one universal path for every account.
What Can You See in Gravity Dashboard?
Gravity Dashboard is built around payment activity rather than general company administration. Depending on the merchant setup and user permissions, it can provide access to transactions, batches, processing statements, reports and the Virtual Terminal.
The named screens are useful when asking support for help:
Transactions: Used to review and search payment activity.
Batch reports: Show groups of transactions submitted for settlement. Gravity explains that once a batch settles, its transactions are sent to the processor so funds can be acquired and deposited to the business.
Processing statements: Used to review current and historical merchant statements. Gravity also provides statement-access instructions through its support library.
Virtual Terminal: Appears in the left-side control panel for accounts with access. It is used to enter eligible card-not-present payments through the Dashboard.
Access can vary.
For example, Gravity’s user-management documentation says that assigning an administrator role does not automatically grant statement access. A user also needs the statement-viewer permission. Some integrated accounts may separately receive Virtual Terminal access.
This permission detail explains a common wrong-page moment: the Dashboard loads normally, but the expected statement or transaction tool is absent. Logging out repeatedly will not repair a missing role.
Gravity Payments Login Not Working
Check service status before changing browser settings or repeatedly resetting access. Gravity maintains a status page that reports the operational state of Gravity Dashboard and services such as emergepay.
When the status page shows normal operation, work through this order:
- Confirm that you entered through the official Merchant Logins page.
- Confirm that your business uses Gravity Dashboard rather than another listed merchant platform.
- Check whether the feature is missing because of user permissions.
- Stop after repeated unsuccessful login attempts.
- Contact Gravity technical support through the official support page.
Do not keep guessing.
Gravity’s developer documentation warns that repeated failed login attempts can temporarily lock an account. Its published error-code documentation also lists error 10100, described as an account lock caused by excessive login attempts.
For password assistance, Gravity directs existing clients to contact technical support. The company does not publish a universal self-service reset procedure covering every connected portal.
Why Statements or Tools May Be Missing
A missing menu does not always mean the site is broken.
The account may use another processing portal, the user may lack the required permission, or the requested feature may not be enabled for that merchant configuration. Gravity specifically states that statement access requires the statement-viewer permission; standard administrator roles do not necessarily include it.
Virtual Terminal access is also configuration-dependent. When available, it appears in the Dashboard’s left navigation. Gravity’s documentation notes that some accounts can be granted payment-link permissions, while separate permissions control activities such as refunds.
Ask the account owner or authorized administrator to verify the role first. Skip reinstalling the browser until permissions and portal choice have been checked.
How Gravity Payments Pricing Works
Gravity Payments does not present one universal public processing rate for every merchant. Its pricing pages describe adaptable or custom payment solutions, and its custom-pricing form says a team member will discuss available options and next steps.
Processing costs can depend on matters such as the transaction environment, business type, card mix, equipment, software integration and processing profile. The exact terms should be taken from the merchant application, agreement and monthly statements rather than a third-party review.
Gravity describes interchange-plus pricing as a structure in which interchange and card-brand fees pass through to the merchant, with an added processing percentage and transaction charge. That explanation describes a pricing model, but it should not be treated as a quote for a particular business.
Compare the complete offer. Hardware obligations, monthly charges, PCI-related requirements, gateway costs, funding terms and cancellation provisions may matter as much as the headline transaction rate.
Terms vary by account.
Statements, Batches and Deposits
For most merchants, Gravity says statements are delivered by email near the beginning of each month, and monthly fees are generally debited within the first few days. Merchants needing a different delivery arrangement are directed to technical support.
A batch report and a bank deposit are related, but they are not identical records. The batch reflects grouped transactions submitted for settlement. The resulting deposit can differ because of fees, adjustments, refunds, chargebacks, timing or the way the merchant account is configured.
When reconciling a mismatch, compare:
- the batch date and total
- the settlement status
- refunds or voids
- the processing statement
- the amount appearing in the business bank account
Prioritize the batch and statement records. Skip assumptions based only on the gross sales total displayed by a point-of-sale system.
Gravity Portals and Customer Invoices
Gravity Portals is a separate online billing-management product that lets participating businesses issue invoices and collect customer payments. Gravity describes it as a customizable payment and presentment portal rather than the main merchant reporting Dashboard.
This is another source of search confusion. A customer paying an invoice may see a business-branded payment portal, while the merchant uses Gravity Dashboard to review processing activity behind the scenes.
Customers with questions about an invoice should contact the business that issued it. Merchant-account changes belong with Gravity’s authorized support channels.
Security and Support
Gravity’s support page lists multilingual assistance available around the clock and directs customers to its support library, telephone support and ticket form. The company currently lists English, Spanish, Korean and Japanese support.
Gravity also publishes scam-awareness guidance stating that merchants should not hand over their terminals and that the company will not ask for Dashboard login credentials or passwords.
Payment businesses are also affected by the Payment Card Industry Data Security Standard (PCI DSS). Gravity says it assists merchants with PCI compliance, but compliance responsibilities depend on the merchant’s environment, equipment and methods of accepting payments.
Use support first when a request involves account ownership, funding, permissions, equipment replacement or processing configuration. A general web article cannot verify those account-specific facts.
Frequently Asked Questions
Is Gravity Payments a bank?
No. It provides merchant payment-processing services. Gravity’s corporate disclosures identify it as a registered Independent Sales Organization associated with named banking partners.
Does Gravity Payments have an app?
Gravity offers web-based merchant tools and works with various payment devices and software integrations. Availability of a particular mobile application or device interface depends on the merchant’s selected product, so verify the setup through the official account page or support team.
How do I reset my Gravity Payments password?
Gravity instructs clients needing password assistance to call its technical support department. Use the contact information published on the company’s support page rather than a number copied from an unsolicited message.
Why can’t I see my Gravity Payments statements?
Your user profile may lack the statement-viewer permission. Gravity says that the Non-integrated Admin and Merchant Admin roles do not automatically provide statement access. An authorized account administrator or Gravity support representative may need to review the role.
Can Gravity Dashboard process a payment?
Yes, when Virtual Terminal access is enabled. Gravity’s instructions place the Virtual Terminal in the Dashboard’s left-side navigation. Surcharging-enabled accounts may also display a notice requiring the merchant to inform the customer about the surcharge before a credit-card payment is processed.
Is Gravity Payments down?
Check the official system-status page. It reports whether Gravity Dashboard and listed processing services are operational. If the status is normal but access continues to fail, verify your portal, permissions and account status before contacting support.
How long does Gravity Payments setup take?
Gravity’s signup page currently advertises setup in ten days or less, but actual onboarding can depend on underwriting, equipment, integration work and the completeness of the business application. Treat the published period as the company’s stated target rather than a promise for every merchant.
Where should I ask about deposits or account fees?
Use Gravity’s official support channel. Deposit timing, charges and contract terms are account-specific and should be checked against the merchant agreement, batch reports and processing statements rather than estimated from public reviews.
