Gravity Payments Review

Reviewed by: Derek Cromwell

The Gist

Gravity Payments is a smaller credit card processor built to work for smaller, privately owned businesses. Their goal is to reduce the cost of credit card processing to help independent owners thrive. They offer simple options, but despite a simplified approach to merchant services, they do it amazingly well.

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Gravity Payments Highlights

  • Very High acceptance rate
  • Variable rates to suit individual businesses
  • Mobile payment options


  • Gift + loyalty card program
  • Low price guarantee
  • Working capital financing
  • Reporting and analytics software


  • No terminal leasing available
  • Early termination fees may apply
  • No pricing transparency on site

Signing Up With Gravity Payments

Signing up for Gravity Payments requires a quick submission of the online form to request a contact from one of their representatives. When you make contact you’ll provide details about your business including sales volume, time in business, and the type of products/services you offer. This information is used to qualify you for their program and calculate your rates.

Gravity Payments features a fairly high (98%+) acceptance rate for small to mid-sized growing businesses, and the approval process can take anywhere from 24-48 hours.


Gravity Payments isn’t a feature-rich merchant service provider, but some of the services they offer are very unique to their operations.

For example, their reporting and analytics is one of the key features of Gravity Payments. The reporting includes marketing, social media management, loyalty, customer management, sales reports, and more, all displayed in a clean cloud-based interface. This helps with tracking marketing ROI, new vs. repeat customers and more actionable info.

Their POS program is also unique, as they declare themselves “POS Agnostic”. Instead of offering specific POS devices for retail customers they provide the best recommendation based on how you do business.

Outside of those you’ll find the standard services and features including payment processing (which includes mobile processing), eCommerce integration, gift cards and loyalty programs, PCI compliance, and a business support service that can help growing businesses get working capital.

Customer Support

Gravity Payments provides a fair amount of support on their website in a resource center (rich with instructive blog content) and a support/FAQ page. While they don’t offer live chat online you can interface with their team on social media for support or call (or email) their support center, which operates 24/7.

Rates & Fees

Gravity Payments isn’t fully transparent with their pricing as it’s not displayed anywhere on their site. This goes for their fee structures as well. They do advertise transparency, meaning they’ll reveal it all once they have you on the phone.

One thing they do state is that fees are variable and change based on your business. There’s no flat rate pricing for specific card types. You will find the typical fees here though, including an early termination fee of $495, Monthly minimum of $35 and a PCI compliance fee of $85/year. That information is based on a sample contract, so it’s possible for termination fees to vary based on your own agreement. Be sure to ask a representative during sign up.

Processing Options

Gravity Payments provides a few simplified methods for processing payments. This includes point-of-sale card processing as well. They also offer mobile payment options through an application with a mobile card reader, similar to what you see with Square and other mobile payment options.


If you do business online, Gravity Payments does offer e-commerce integration to help you process all transactions through a single merchant service. Their processing also allows for payments to be accepted by email or over the phone using a virtual terminal to key in cards.

Accepted Payment Types

Aside from accepting loyalty and gift card promotions, you can also accept major credit and debit cards with the Visa, MasterCard, Discover, and American Express logo. This also includes the ability to accept EBT cards for relevant transactions.

To Sum It Up

Gravity Payments isn’t just working to help small businesses grow. They’re also trying to inject success into their own local economy as they lifted the minimum wage of their employees to $70k/year across the board. They’re focused on forward success and offer a simplified package of features to help businesses get there. Proof that sometimes you don’t need all the bells and whistles to take care of your customers.

Visit Gravity Payments​


Last Updated: May 2016


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