Independent Business Served Here

Merchant Services for Your Unique Business Needs

Whether it’s fine-tuning your payment processing, embedding payments in your point-of-sale, growing your business via capital, or anything in-between, Gravity Payments offers incredibly accessible merchant services for independent businesses.

Get Customized Pricing

Clear Rates, Complete Devotion

Our Pricing Models

Subscription Pricing

Open Merchant Account Online

Gravity Instant – our subscription pricing model – is perfect for businesses processing less than $60,000 a month – retail stores, counter-service restaurants, auto repair shops, home repairs, medical clinics, fitness studios, and more.


  • interchange
  • a nickel per swipe

Custom Pricing

Get a Quote Now

See how much money our pricing specialists can save your business on credit card processing.

Our Pricing Promise

  • We promise to never snake-charm you with one rate and then bamboozle you with another at the end of the month.
  • We promise to always have your back by not hiding nasty little terms or conditions in microscopic fine print.
  • We promise to always try to meet or beat your current credit card processing rates.
  • We promise to tell you when we can’t beat a great deal you’re already getting.

Because we believe in independent business, that’s why. We’re on your side.

Hear From Our Team

Understanding Merchant Services Rates & Fees

See which merchant services costs are predetermined, which ones you can control, and how to get an apples-to-apples comparison when choosing a credit card processor.

Merchant Services Resources

How Merchant Services Work

We get it. Credit card processing is complicated. That’s why we strive to make it as simple and seamless as possible. Here are the need-to-knows about accepting payments.

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Chargebacks 101

Here’s what every business owner needs to know about how chargebacks work.

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How To Find Your Effective Rate

We’ve always been curious why more small business owners don’t know this simple tool to find out if your merchant services fees are too high. Click here to learn what your effective rate is in 30 seconds or less.

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Set Up A Merchant Services Account Instantly

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