Gravity Payments Review

Category Breakdown
Sales & Marketing rated A plus
Costs & Contract rated B
Complaints & Service rated A
BBB Rating rated A

Overall Rating

"A" Credit Card Processor Rating


Gravity Payments ( is a small merchant account provider based in Seattle, Washington. The company was founded in 2004. According to a representative of Gravity Payments, the company primarily uses First Data and Cynergy Data as its processors but services the accounts directly. Gravity Payments markets its services nationally, but most of its customers are in the state of Washington. Gravity Payments is a registered ISO/MSP for BMO Harris, N.A., Chicago, Illinois, and Wells Fargo Bank, N.A., Walnut Creek, and is located at 1455 NW Leary Way, Suite 200, Seattle, Washington 98107. Dan Price is the CEO of Gravity Payments.

Gravity Payments Products and Services Industries Served
  • Debit and credit card processing
  • Merchant cash advance
  • POS equipment
  • Gift and loyalty programs
  • PCI compliance consultation
  • Mobile processing
  • Retail
  • Mobile

Related: Find The Best Processor For Your Business Type

Sales & Marketing | A+

Key Points – Sales & Marketing
Uses independent resellers? No
Promotes deceptive rate quotes? No
Discloses all important terms? No

Gravity Payments appears to hire W2-employed inside and outside sales agents to market its services, although it is possible that the company also employs independent sales reps in some cases. We are currently unable to locate any Gravity Payments merchant complaints that accuse the company’s agents of unethical conduct, but we have found one complaint from a former employee who felt that she did not receive adequate support from her employers. However, this complaint appears to be an isolated instance. It also appears that the company actively markets Interchange Pass-through rate pricing to all of its merchants, which is the most transparent pricing model available. As an additional point in its favor, the company does not appear to engage in deceptive advertising strategies in its official materials.

Gravity Payments Marketing Example

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Costs & Contract | B

Key Points – Costs & Contract Terms
Swiped rate: Variable
Keyed-in rate: Variable
Termination fee: Variable
PCI compliance fee: $85/year
Equipment lease: Variable

According to a company representative, Gravity Payments sets contract length and cancellation fees on a case-by-case basis. We have located one sample contract provided by the company (available here and below) that outlines a three-year agreement through First Data with an early termination fee of $495. This agreement also includes a minimum monthly fee of $35 and flat rate pricing of 4%, and the Gravity Payments website mentions a PCI Compliance program that costs $85 annually. Overall, these contract terms are more expensive than industry averages, but it may be that the merchant in question could not qualify for more competitive terms. At this time, we will take the company’s representative at his word and assume that Gravity Payments offers contract terms that can range from very competitive to very costly depending on a merchant’s business type, size, and time in business. The few available complaints about the company’s contract terms express frustration with its early termination fee.

See the Gravity Payments First Data Program Guide

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Complaints & Service | A

Key Points – Complaints & Service
Total complaints: <10
Live customer support: Yes
Most common complaint: N/A

We are currently able to locate three Gravity Payments negative reviews, none of which accuse the company of being a scam or a ripoff. All three complainants report different issues, including difficulty cancelling service, frustration with the early termination fee, misleading advertising, and poor employee support. Two of these complaints received identical responses from a company representative within minutes of each other, and it is unknown whether the merchants’ complaints were resolved. The low complaint volume and lack of a consistent theme lead us to believe that most Gravity Payments clients are satisfied with the service they receive. According to a company representative, Gravity services customer accounts directly rather than outsourcing support to its processors. In keeping with this approach, the company offers a dedicated phone number and email address on its website.

Related: Best iPad & Tablet Point of Sale Services

BBB Report | A*

Key Points – BBB Report
Product/service: 0
Billing/collection: 3
Advertising/sales: 0
Guarantee/warranty: 0
Delivery: 0

As of this review, the Better Business Bureau is reporting accreditation since 2005 and an “A+” rating for Gravity Payments with three complaints filed in the last 36 months. All three of the complaints are related to billing and collection disputes. Two have been successfully resolved to the merchant’s satisfaction, while one resolution left the merchant dissatisfied despite what the BBB determined to be a good faith effort by Gravity. Given the company’s low complaint volume and solid resolution ratio, we have slightly adjusted the BBB’s rating to an “A.”

* Denotes CPO-adjusted BBB score

Related: Best Processors For E-Commerce

Bottom Line

Gravity Payments Review

Rated 4.4 out of 5 Stars
Reviewed by Phillip Parker
Reviewed on 2015-04-14

Gravity Payments rates as a reliable merchant services provider according to our rating standards. The company is showing very few complaints across all consumer protection sites and appears to offer a wide range of contract terms. Merchants are encouraged to read their contracts carefully and check their application against their program guide to ensure they understand the fees they will pay.

This review was originally published on 6/28/11 and was last updated on 4/14/15.

Leave your review of Gravity Payments in the comment section below:

Phillip Parker is a former merchant services agent turned small business advocate and the author of "Fee Sweep," which teaches merchants how to dramatically lower their processing rates, eliminate junk fees, and avoid fine-print scams. He founded to help merchants enact positive change in the credit card processing industry. Schedule a Consultation with Phillip

Schedule a Consultation with Phillip

6 Reviews Leave Your Review Below

  1. We have had a gravity payment account for almost 2 years during this time we have used eBay to establish a customer base on our direct order website. We have finally hit the point where most of our pre-sales where being processed through the website recently. Gravity has decided now is a good time to accuse us of being a scam and is currently holding 6K in payments that are needed to pay for the product ordered by our customers so we can ship out on the release date.

    They are requesting bank statements be sent over email, I can not think of a worse idea than asking for sensitive bank information over email.

    This is nothing more than a poor excuse to sit on a huge chunk of capitol.

  2. I’m a former employee of Gravity Payments, not a merchant, and I truly commend this young organization for their strong drive to change the image of merchant service providers. My only recommendation is that they learn to value ALL of their new employees as I did with them as a company.

    To whomever is reading this, please give your new employees a chance to work on changing their style and don’t throw them under the bus after two days. After all, your sales manager extended me the job offer because they believed in me. When a new hire mentions that they’ve reached their peak at the end of their second day, following192 knocks, believe them. Especially when they’ve already told you that they’re feeling ineffective and flat after those knocks. Unless a critical breach of policy occurs, you really should give a new employee more than two days on the street to perform at their optimum level. In fact, I was told that it typically takes four months for a new person to get their game on. So much for “Team Barbara”.

    Dan Price, you are the absolute best. I wish you continued success with your growing enterprise and with all of your personal endeavors. Thanks for your true classiness and intelligence Dan. :)

  3. What do you mean plenty of money? Where is the proof of this? Credit card processing is a service. They guarantee that someone NOT GIVING YOU CASH can be trusted. I agree Gravity Payments is not a very honest company. They claim on their web-site they charge “Half the industry standard”. What a joke. I had these guys come in from Transparent Processing & knocked $120.00 a month off our bill. Our rep at gravity never returned our calls. It was a constant chasing game.

    If you sold your business how could they keep charging your account? I’m sure if you send a notarized letter to the owner & then follow up with a call to make sure your account is cancelled you will be just fine.

    1. Hello, Cindy. Thank you for your feedback. I am very sorry to hear that you had a poor experience with Gravity Payments. I wanted to touch base with you to see if there was anything that we could do to help change your opinion of our company. We pride ourselves on the positive relationships we have with our merchants, so feedback like this is something I take very seriously. I’d like to know what your bad experience was and see if there is anything we can do to rectify that.

  4. I worked with this company long enough to not be charged an early termination fee. I sold my business several months ago and while I had some charges due to problems with discontinuing the service, I sold the business due to the poor economy, it’s not like I was switching to another company. I paid the fees they charged. However, I am very concerned that I continue to be charged merchant services for something I no longer use or own. I called to inquire about these charges and was told that the charges may be fees for early termination fee. What exactly constitutes early termination in terms of length of service? This is poor business practice on in my mind. The company made plenty of money on me and could at least credit me a measly $40.00 since they aren’t sure what the charges were for.

    I will not be recommending this company to anyone.

    1. Hello, Mr. Page. Thank you for your feedback. I am very sorry to hear that you had a poor experience with Gravity Payments. I wanted to touch base with you to see if there was anything that we could do to help change your opinion of our company. We pride ourselves on the positive relationships we have with our merchants, so feedback like this is something I take very seriously. I’d like to know what your bad experience was and see if there is anything I can do to rectify that.

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