When Gravity Payments Funds Reach Your Bank
July 12, 2026
By Alex Morgan, merchant-operations editor with nine years of payment-support documentation review (editorial persona)
Last reviewed: July 12, 2026
Gravity Payments says integrated-payment funding normally takes 24 to 48 hours, depending on the daily batch-out time. A missing deposit should first be matched to a settled batch, its Net Amount, and the receiving bank account before the transaction is submitted again. (gravitypayments.com)
This independent article is not operated by Gravity Payments and cannot release funds, inspect a merchant account or change deposit instructions.
What Gravity’s 24-to-48-hour estimate means
Gravity’s June 2026 integrated-payments guide gives a funding timeframe of 24 to 48 hours based on the merchant’s daily batch-out time. The company does not present that estimate as a universal promise covering every terminal, bank, card type, merchant category or account configuration. (gravitypayments.com)
The clock does not necessarily begin when the customer’s card is approved.
Transactions are first collected into a batch. Gravity explains that settlement marks the end of one batch and the beginning of the next; only after settlement are the transactions sent for acquisition and deposit to the business. (dev.gravitypayments.com)
That distinction explains many “late” deposits. A sale accepted Monday evening may remain inside an open batch until the configured settlement event or a manual batch closure occurs.
Approval confirms the transaction. Settlement starts funding.
Close the batch before tracing the deposit
Some Gravity-supported terminals require a manual batch-closing process. On the PAX A920, Gravity’s instructions are to select Func., open Batch, choose Close Batch, and retain the printed batch report. Any pending tips should be adjusted before the batch is closed. (gravitypayments.com)
An employee who forgets that final step can create a confusing situation: customer receipts exist, the point-of-sale system shows sales, but the transactions have not entered the expected settlement group.
Check the terminal or software’s batch status first. Skip duplicate sales or manual corrections until the original transaction group has been located.
Automatic settlement times can also vary by setup. Gravity’s public documentation does not provide one nationwide batch cutoff for every account, so a cutoff remembered from another business may not apply.
Use Net Amount, not gross sales
Gravity Dashboard’s Batches screen shows Transaction Count, Sales, Returns, Fees Withheld, Net Amount and Device ID. Opening a batch reveals its card-brand summary and the individual transactions settled within it. (dev.gravitypayments.com)
The first bank comparison should be the batch’s Net Amount.
| Dashboard figure | What it represents | Why it may differ from the bank |
|---|---|---|
| Sales | Transactions included as sales | Does not subtract displayed returns |
| Returns | Credits included in the batch | Reduces the amount available for deposit |
| Fees Withheld | Charges deducted in that settlement view | May reduce funding before it reaches the bank |
| Net Amount | Remaining batch total | Best starting point for matching a deposit |
| Transaction Count | Number of transactions in the batch | Does not represent deposit value |
A business that processed $6,200 in sales and $450 in returns should not expect the bank deposit to equal $6,200. Other displayed deductions may create a further difference.
Gravity also notes that the submission date on a processing statement may not match the date funds appear in the bank because of cutoff restrictions. (gravitypayments.com)
Match the amount before the date.
Why a Gravity Payments deposit may be delayed
Gravity defines a pending transaction as a successfully processed payment that has not yet posted to the merchant’s bank account. One stated cause is an unusually large transaction that receives a temporary risk review. (gravitypayments.com)
Gravity may request supporting documentation during that review. Its public page mentions transaction records and bank statements as examples, but documents should be supplied only through an authenticated Gravity workflow or a support interaction initiated through the company’s published channel. (gravitypayments.com)
Returns can trigger another type of review. Gravity calls these payment transaction system edits, or PTS edits, and says funds may require 24 to 48 hours to be reviewed and released. Examples include a return that is unusually large, sent to a different card from the original payment or issued for a partial amount. (gravitypayments.com)
Four concrete causes should be checked:
- The batch remains open.
- Returns or withheld fees reduced the Net Amount.
- The bank has not posted the incoming credit.
- A payment or return is under risk review.
Start there. Do not rerun the customer’s payment merely because the bank balance has not changed.
Weekends and bank holidays
Gravity expresses its settlement estimate in hours, but bank operating days can affect when a deposit becomes visible. The company does not publish a complete merchant-funding holiday calendar on the reviewed support pages.
The Federal Reserve’s 2026 holiday schedule includes Labor Day on September 7, Columbus Day on October 12, Veterans Day on November 11, Thanksgiving on November 26 and Christmas on December 25. Federal Reserve Banks follow specific closure rules for holidays falling on weekdays or Sundays. (federalreserve.gov)
A bank holiday does not prove that every Gravity deposit will be delayed by exactly one day. The acquiring bank, receiving bank, card network, settlement timing and account arrangement can affect the result.
Plan using business days around long weekends. Verify the actual batch status rather than assuming a transaction disappeared.
Changing the deposit bank can interrupt expectations
Gravity Dashboard includes a self-service bank-change process under Account Management for owners and authorized signers. After identity verification, the user can choose Connect Instantly or Enter Manually, select an effective date, sign the request and track its status. (gravitypayments.com)
The company aims to complete requests submitted before 2:00 p.m. Pacific Time on the same day, but it says completion is not guaranteed. Requests submitted later are processed on the next business day. (gravitypayments.com)
That 2:00 p.m. target applies to changing the deposit account. It is not a published daily card-settlement cutoff.
This distinction is often blurred. A merchant should not use the bank-change deadline to predict when ordinary card batches will fund.
Keep the prior bank account usable until the change is confirmed and the first expected deposit has been traced. An effective date on the request does not itself prove that every in-transit settlement has been redirected.
A five-step missing-deposit check
Begin in Gravity Dashboard and work outward.
1. Open Batches.
Confirm that the relevant sales appear in a settled batch rather than an open transaction group. (dev.gravitypayments.com)
2. Record the Net Amount.
Check the Sales, Returns and Fees Withheld columns before comparing the total with online banking. (dev.gravitypayments.com)
3. Confirm the location and Device ID.
A multi-location business may be reviewing the wrong processing account or terminal group.
4. Check for pending or reviewed activity.
An unusually large transaction or unusual return may be awaiting release. Gravity says PTS reviews can take 24 to 48 hours. (gravitypayments.com)
5. Compare with bank posting activity.
Look for both pending and posted credits, accounting for weekends, holidays and the receiving bank’s display practices.
Gravity recommends daily batch closure and daily reconciliation among the point-of-sale or business-management system, Gravity reporting and online banking. (gravitypayments.com)
When to contact Gravity support
Contact support when a settled batch’s Net Amount cannot be matched after returns, fees, bank timing and review status have been checked.
Gravity publishes 866-701-4700 and describes its multilingual support team as available 24 hours a day. (gravitypayments.com)
Have these details ready:
- Merchant ID
- Business location
- Batch number
- Settlement date
- Net Amount
- Expected bank account
- Date and amount of any visible bank credit
- Related return or review information
Provide account documents only after reaching Gravity through its published channel. An unexpected caller asking for banking access or a test refund should not be treated as a legitimate funding investigation.
FAQ
How long do Gravity Payments deposits take?
Gravity publishes a 24-to-48-hour funding timeframe for integrated payments, depending on daily batch-out timing. Other account configurations may differ. (gravitypayments.com)
Does a card approval mean the deposit has started?
No. The transaction must enter a settled batch before it is sent forward for funding. (dev.gravitypayments.com)
Why is my deposit lower than my sales total?
Returns and displayed withheld fees may reduce the batch’s Net Amount. Compare the bank credit with Net Amount rather than gross sales. (dev.gravitypayments.com)
Can a large payment be held?
Yes. Gravity says an unusually large transaction may receive a temporary risk review and remain pending even though it was processed successfully. (gravitypayments.com)
Do weekends count in the 24-to-48-hour period?
Gravity does not publish one universal rule for every account. Batch timing, the acquiring bank, the receiving bank and federal holidays may affect when a credit becomes visible.
Why did my return delay funding?
Gravity says an unusual, partial or differently routed return can trigger a PTS review. Review and release may require 24 to 48 hours. (gravitypayments.com)
Is the 2:00 p.m. Pacific cutoff my batch deadline?
No. Gravity publishes that time for self-service deposit-bank change requests, not as a universal card-batch funding cutoff. (gravitypayments.com)
The practical order is fixed: confirm settlement, match the batch’s Net Amount, check for review activity, then compare the receiving bank before escalating the deposit.