Gravity Payments

Name

Gravity Payments

Legal name

Gravity Payments, Inc.

Website

https://gravitypayments.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payment Processing & Acquiring Infrastructure (FSAGABAC)

Keywords

• Credit card processing
• Merchant services
• Payment processing
• Merchant cash advance
• POS integration

Headquarters

HQ city

Seattle

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Processing Fees: Primary revenue stream from processing credit and debit card transactions. Charges a percentage plus fixed fee per transaction.
2. Payment Hardware Sales: Sale of point-of-sale hardware including card readers, terminals, and POS equipment
3. Merchant Cash Advances: Working capital financing through Gravity Capital for qualified merchants

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Gravity Payments is a credit card and payment processing company that enables merchants to accept card payments in-store, online, and on-the-go, supported by POS hardware terminals, merchant cash advance funding products (Gravity Capital, Gravity Capital Express), Buy Now Pay Later, surcharging programs, and PCI compliance support. The company also develops and sells vertical-specific SaaS platforms (Gravity Legal for law firms, Poppy Bridal Software for bridal stores, Portals self-service payment portal) and exposes payment acceptance via the emergepay cloud-based API for software developers.

Product overview

Gravity Payments is a payment processing company offering a unified platform for credit card processing and related financial services. The core product is the payment processing platform supporting in-store, online, and mobile payments. This core platform is augmented by: Gravity Capital and Gravity Capital Express (merchant funding solutions), Buy Now Pay Later (customer financing), Surcharging (fee offset program), and PCI Compliance Support. The company also operates vertical-specific SaaS products including Gravity Legal (for law firms), Poppy Bridal Software (for bridal stores), and Portals (self-service payment portal). The emergepay API enables developer integrations into third-party software. The company sells and supports a range of payment hardware devices including Clover, PAX, MagTek, and Swipe Simple terminals.

Differentiator

Problem solved

Functional benefit

Brands

• Gravity Capital: Business funding solution providing quick, flexible financing for Gravity Payments merchants with no compounding interest or fixed repayments.
• Gravity Capital Express
• Gravity Legal
• Poppy Bridal
• Portals
• emergepay

Quantifiable outcome

• Merchant onboarding within one week
• +1 more outcomes

Named customers5 records

Segments11 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration38 records

Feature3 records

Partnerships

28 partnerships are on record, tiered core, flagship and minor.

• AcuroVetcoreTechnology or IntegrationVeterinary practice management integration partner enabling seamless payment processing within AcuroVet's animal health software platform.
• ClientraXcoreTechnology or IntegrationVeterinary software integration partner for payment processing within client management workflows.
• easyDVMcoreTechnology or IntegrationVeterinary practice management integration providing payment processing capabilities within the easyDVM platform.
• InstinctcoreTechnology or IntegrationVeterinary software partner integrating payment processing with practice management features.
• Provet CloudcoreTechnology or IntegrationCloud-based veterinary practice management integration for seamless payment processing.
• Vet2PetcoreTechnology or IntegrationVeterinary client communications and payment integration platform partner.
• Vetter SoftwarecoreTechnology or IntegrationVeterinary practice management software integration for payment processing.
• PracticeSynccoreTechnology or IntegrationVeterinary practice management sync and payment integration.
• DVM ElitecoreTechnology or IntegrationVeterinary professional network and payment processing integration partner.
• American Veterinary Medical Association (AVMA)flagshipGTM or Marketing PartnerFlagship industry association partnership with the AVMA, the leading veterinary medical organization, for industry recognition and marketing reach.
• Veterinary Hospital Managers Association (VHMA)coreGTM or Marketing PartnerIndustry partnership with VHMA for veterinary hospital management community engagement and marketing.
• Fear FreeminorOthersPartnership with Fear Free certification program for veterinary practices.
• AestheticsProcoreTechnology or IntegrationHealthcare and aesthetic practice management integration for payment processing.
• DentmacoreTechnology or IntegrationDental practice management integration for seamless payment processing.
• OrthoChartcoreTechnology or IntegrationOrthodontic practice management integration for payment processing.
• HearFormcoreTechnology or IntegrationAudiology and hearing practice management payment integration.
• CounselEARcoreTechnology or IntegrationAudiology practice management integration for payment processing.
• CloverflagshipTechnology or IntegrationFlagship POS integration partner with Clover's restaurant point-of-sale systems, enabling embedded payment processing for food service merchants.
• UnioncoreTechnology or IntegrationRestaurant POS integration partner for payment processing.
• AuphancoreTechnology or IntegrationRestaurant management and POS integration for payment processing.
• SmilePOScoreTechnology or IntegrationRestaurant point-of-sale integration partner.
• Poppy BridalcoreTechnology or IntegrationBridal retail software integration for appointment booking and payment processing.
• Bridal Web SolutionscoreTechnology or IntegrationBridal industry web platform integration for payment processing.
• FormalWare by P&B SystemscoreTechnology or IntegrationFormal wear retail software integration partner.
• EverywhereBridalcoreTechnology or IntegrationBridal industry platform integration for payments.
• Better Bridal GroupcoreGTM or Marketing PartnerBridal industry marketing and member organization partnership.
• National Bridal Retailers AssociationcoreGTM or Marketing PartnerIndustry association partnership for bridal retail marketing reach.
• VikingCloud (SecureTrust)flagshipTechnology or IntegrationPCI compliance and payment security partner providing SecureTrust certification and security scanning services for merchant compliance.

Scale indicators2 records

Recent moves12 records

Expansion highlights5 records

Direct peers

• Square (Block): Square is the dominant SMB-focused payment processor and POS provider in the US, offering flat-rate card-present and card-not-present processing bundled with free POS software. Directly competes with Gravity Payments for the same small and mid-market merchants that Gravity targets across veterinary, restaurants, and retail.
• Helcim: Helcim is a Canadian-headquartered SMB payment processor that competes on transparent, interchange-plus pricing and a self-serve onboarding flow. Closely comparable to Gravity's flat-rate 2.5% + $0.10 model and SMB self-serve channel, and Gravity's stated Canadian operating geography places them in direct competition.
• Stax (FIS): Stax is a subscription-based, flat-per-transaction payment platform aimed at SaaS-integrated and mid-market merchants — same flat-pricing logic as Gravity but with a stronger embedded/ISV focus. Both compete for the same technology-forward SMB and integrated software partner merchants.
• Payment Depot: Payment Depot is a wholesale-style SMB payment processor (interchange-plus membership model) competing for price-sensitive merchants who reject traditional tiered pricing. Operates in the same transparent-pricing SMB segment as Gravity and uses a similar direct-sales motion.
• Toast: Toast is the leading restaurant-vertical POS and payments platform in the US, embedding card processing inside an all-in-one restaurant OS. Directly comparable to Gravity's Clover/Union/Auphan-powered restaurant vertical strategy and a key competitor for the same food-and-beverage merchants.
• Clover (Fiserv): Clover is Fiserv's SMB POS and payments platform, distributed largely through sponsor banks and ISO partners — and Gravity itself is one of Clover's distribution partners. Clover represents both a competitor (end merchants see Clover directly) and a channel dependency for Gravity's restaurant book.
• Dharma Merchant Services: Dharma is an SMB-focused payment processor that emphasizes transparent interchange-plus pricing and customer service — positioning highly comparable to Gravity's "no long-term contracts, US-based 24/7 support, transparent pricing" value proposition. Competes for the same price-conscious small business merchant segment.
• North (formerly North American Bancard): North is a large US-based ISO and payment processor serving SMBs across verticals with a sales-led motion and transparent pricing — a closely analogous business model to Gravity Payments in terms of distribution, target merchant size, and revenue mix.

Broad incumbents

• Stripe: Stripe is a global payments platform with developer-first APIs, an integrated gateway, and increasingly SMB-friendly checkout products. Gravity's emergepay API mirrors Stripe's developer posture at a fraction of the scale, making Stripe a relevant incumbent competitor for Gravity's ISV and developer-targeted integrations.
• Heartland Payment Systems (Global Payments): Heartland, owned by Global Payments, is one of the largest US payment processors serving SMB and mid-market merchants via an ISO/sales-led distribution model — structurally the same go-to-market as Gravity Payments. Represents the consolidated-incumbent peer that Gravity's vertical-SaaS strategy is partly trying to escape.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/GravityPymts
• Facebookfacebook.com/gravitypayments
• LinkedInlinkedin.com/company/gravity-payments

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gravity Payments