Gravity Payments

Interchange-Plus

Merchant services provider focused on small businesses with interchange-plus pricing and personal support.

Quick Answer

Gravity Payments focuses on small businesses that value fair, transparent interchange-plus pricing and personalized, US-based support. Pricing is typically arranged per account through a sales conversation rather than fully self-serve online. It is best known for its advocacy of small-business-friendly pricing practices.

Small-business focus
Personal support
In-person payments
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At a Glance

Pricing Model
Interchange-plus
Public Pricing
Quote only
Online Payments
Supported
In-Person Payments
Supported
Ecommerce
Supported
POS System
Available
Payment Hardware
Available
Recurring Billing
No
Countries
United States
Best For
Small businesses that value fair pricing and personal support.

Approval Considerations

Standard underwriting applies. Approval considerations vary — verify directly.

Pricing & Terms

Pricing Model
Interchange-plus
Monthly Fee
Interchange-plus pricing arranged per account; often quote-based. Verify directly.
In-Person Rate
Interchange-plus in-person pricing; varies by account. Verify directly.
Online Rate
Interchange-plus online pricing; varies by account. Verify directly.
Contract
Contract terms vary by account; verify directly.
Payout Speed
Needs verification
Public Pricing
Needs verification

Capabilities

Online Payments
Yes
In-Person
Yes
POS System
Yes
Hardware
Yes
Ecommerce
Yes
Recurring Billing
No

Business Match

Best For
Small businesses that value fair pricing and personal support.
Not Ideal For
Merchants who only want a fully automated self-serve product.
Business Types
retail
restaurants
professional-services
coffee-shops
Countries
United States
Key Integrations
Popular POS systems, Shopping carts

Research Sources & Data Status

Data Status

Last reviewed
Reviewed about 3 months ago
June 16, 2026
Public sources
2
Unconfirmed fields
3

Sources Reviewed

Hover any source to see the full URL.

Research Status

Comprehensively Reviewed

Tracked material fields reviewed against the full public-research framework. Verify current details directly with the provider.

Tracked material fields reviewed from public sources. Verify current details directly with the provider.

Last reviewed

June 16, 2026

Profile coverage confidence

High

Reflects overall profile completeness, not individual finding confidence

Included in

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What has been reviewed

  • Provider name, website, and business identity
  • Core capabilities (payments, POS, hardware, integrations)
  • Pricing model and public pricing availability
  • Business types served and geographic availability
  • Approval considerations and restricted business language

Pricing source: Official provider website

All Gravity Payments information is sourced from publicly available documentation. ProcessorFit does not guarantee pricing accuracy — verify directly with the provider.

Learn the Fundamentals

Guides to help you evaluate Gravity Payments in context.

Payment Terms to Know

Key terms relevant to evaluating Gravity Payments.

Frequently Asked Questions

What makes Gravity Payments different from other merchant services providers?

Gravity Payments built its brand around a commitment to transparent interchange-plus pricing and personalized support for small businesses. It was an early advocate for simple, fair pricing in an industry known for opaque rate structures. Its customer service approach emphasizes direct account management rather than automated self-serve.

What pricing model does Gravity Payments use?

Gravity Payments uses interchange-plus pricing, where merchants pay the actual interchange rate plus a Gravity markup. Pricing is arranged per account through a sales conversation rather than being fully published online. Request a quote directly from Gravity Payments to understand your specific rates.

Does Gravity Payments support in-person payments?

Yes. Gravity Payments offers in-person payment solutions including terminal hardware for retail, restaurants, and service businesses. Hardware options and pricing should be verified directly with Gravity Payments.

Does Gravity Payments require a long-term contract?

Contract terms for Gravity Payments accounts vary. Verify current contract length, cancellation terms, and any early termination fees directly with Gravity Payments before signing.

Does Gravity Payments support ecommerce?

Yes. Gravity Payments supports online payment acceptance through payment gateway integrations. Ecommerce features and available gateway options should be verified directly with Gravity Payments.

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Providers shown here share relevant characteristics derived from public research — merchant type, industry fit, pricing model, or approval complexity. ProcessorFit does not sell placement. Providers cannot purchase placement in this section. Learn about our methodology.

Editorially Independent — ProcessorFit does not accept payment for rankings or recommendations. Every provider profile is researched independently using publicly available information. Editorial Policy · Research Methodology

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