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Getting Started

If your internet, phone line, or computer ever goes down, you’ll need to follow these steps to take a manual payment:

  • Obtain voice authorization from an automated voice-authorization system
  • Take a manual imprint of the credit card
  • Force the transaction on your POS system once it’s back online.

For step-by-step instructions on how to perform a Manual payment with voice Authorization, click here.

Note on cards without raised numbers/letters: You cannot perform manual transactions on these types of cards. If a customer tries to dip or swipe a card that does not have raised lettering/numbering, and the transaction fails, you must ask for another form of payment. If they don’t have another form of payment, you’re advised to refuse the sale.

You can locate your Merchant ID (MID) number on the email you receive following installation, or in the top left corner of your merchant statement.

Your statements are usually sent to the corporate address you specified on your merchant worksheet prior to signing your Gravity Payments application.

You can also confirm your mailing address on your monthly statement in the upper left-hand corner.

A pending transaction is one that has been successfully processed, but not yet posted to your bank account.

There are a few uncommon scenarios that will result in pending transactions. One of the most common is when an unusually large transaction is processed, which may result in a temporary hold due to risk review.

In this instance, you may be contacted to confirm additional information, such as bank statements, transaction documentation, etc.

In some cases, pending transactions can affect your customers. If a customer calls in inquiring about a pending transaction, please feel free to send them this document to help provide some clarity on the issue.

Here are the instructions for Merchant Portal and your merchant console (gateway).

Merchant Portal

  1. Go to Merchant Portal and log in.
  2. Click on the “Reports” section on the left panel of the screen. You can use the filters to specify which transactions to view.
  3. When viewing a transaction report, click on the printer icon on the top-right corner of the page near the locations drop-down. This will open a PDF that you can print.

Merchant Console (Gateway)

  • Go to and log in.
  • Go to the “Batches” page. Under the batch dropdown, select the day you wish to print a report for and click “View”.
  • Click the “Print” button.

Gravity Payments client

  • Click on the “Current Batch” tab to view transactions in the currently open batch, or click on “Closed Batches” to view transactions older than the currently open batch.
  • Set the filters for how you want the transactions to display. You can select a 40-column report for a report that fits on receipt printer paper, or an 80-column report for a report that fits on normal printer paper.
  • Click print/view to preview the report, and click the printer icon on the top-left corner of the page to print the report.

For your merchant console (gateway) or via Merchant Portal, you can click “Forgot Password?” and follow the prompts.

For your Gravity Payments client, please call us at 866-701-4700 and ask to speak with someone from our technical support department.


Give us a call and we’ll let you know how.

We’re available 24/7 at 866-701-4700.

We recommend daily batch closures and daily reconciliation between your point-of-sale (or business management system), Gravity Payments, and your online banking reporting system.

If you encounter a discrepancy, review your Gravity Payments reports or your transaction receipts.

Be aware of any payment transaction system (PTS) edits, which can cause discrepancies within your deposits. PTS edits occur when a transaction is pulled into review because of unusual behavior. Also, it can take 24-48 hours for a transaction to be reviewed and the funds released.

A transaction may get flagged for review if you ran a return that is:

  • Larger than usual
  • On a different credit card than the original sale
  • For a partial amount.

If, after reviewing these possibilities, there is still a discrepancy between your deposits and the Gravity Payments reports, then we may need to verify your account settings. Please call us at 866-701-4700.

Banks have up to 30 days to deposit a return to a customer’s bank account.

However, that number is typically closer to 3-5 business days.

If the return is taking longer, please ask the customer to reach out to their bank to confirm a pending transaction. If the bank confirms there are no pending transactions, please call our technical support team: 866-701-4700.

Please be sure to have the following on-hand when you call:

  • Merchant ID number.
  • Passwords for all antivirus software
  • Admin passwords, if applicable.
  • Error codes, if applicable.

Before you call make sure your internet connection is working and that all devices are plugged into a power source.

Dispute Manager is an online portal that lets you take immediate steps to review, respond, and monitor chargebacks.

The tool eliminates the need for paperwork to be mailed or faxed, which leads to easier and more efficient resolutions.

Find out how to set up your Dispute Manager account.

A chargeback is when a cardholder disputes a transaction they don’t recognize or believe was done in error.

The most common claims for chargebacks are:

  • Incorrect amount charged to the cardholder.
  • Item not received.
  • Items or services not as described.

The chargeback system is run by the card brands (Visa, MasterCard, Discover, American Express, etc.).

If you receive a chargeback notification in the mail, please respond as quickly as possible. There are often limitations and if the response date has passed, you may be left with little recourse to dispute the chargeback.

If you believe your business will be liable for a high number of chargebacks, please reach out to our support team via Dispute Manager, our chargeback-management tool.

Payment Card Industry standards are a set of global payment account security recommendations. Compliance is a critical step in protecting customer data.

There are two types of PCI security standards:

  1. PCI PA-DSS (responsibility of the software vendor).Gravity Payments offers applications and products that are PCI PA-DSS compliant.
  2. PCI DSS (responsibility of the merchant).PCI-DSS compliance is the responsibility of every merchant. Compliance ensures you are doing everything you can to safeguard your customer data and that your business meets specific internal security requirements.

Don’t hesitate to give us a call if you have questions. 866-701-4700.

Accepting credit cards for payment processing requires additional IRS reporting in the form of a 1099-K — a tax form presented to the IRS and used to report your processing volume.

Gravity Payments is required to report to the IRS the volume in payments processed by businesses each year.

We provide 1099-K copies to your business annually.

A POS, or point-of-sale, is a combination of hardware and software system that allows business owners to manage the day-to-day operations of their business, complete transactions, and take in data for analytics and reporting purposes.

NABU stands for “network access and brand usage.” However NABU is a kind of catchall category for a range of card-brand and card-association fees.

As with interchange fees, NABU fees are not charged by Gravity Payments or by any credit card processing company, but by the banks and card brands themselves. The credit card processor only collects the fees and passes them through to the card brand and bank.

See our page on card brand fees to learn more.

Interchange fees are the amount of money that banks and card brands (Visa, MasterCard, American Express, Discover) charge for their services.

Credit card processors do not have control over these fees, and the fees are the same no matter where your merchant services account exists.

See our interchange page for details.

Our support representatives are cross-trained in all areas of payment processing.

The team is prepared to answer your questions about technical support, billing, troubleshooting, and more.

They’re available 24/7 at 866-701-4700.

A virtual terminal is an excellent backup solution for a standalone terminal or integrated solution.

With a virtual terminal, business owners with a merchant services account will be able to process their customers’ credit card payments online from any computer or mobile device that has an internet connection.

Take a look at our virtual terminal article to find out more.

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