Skip to content

Gravity Payment Processing

Gravity is a gateway and merchant services provider that conducts business in the USA. everywhereRetail has been designed to integrate with the gateway software to process customer electronic payments for Debit, Credit, Chip, NFC (Apple Pay, Google/Android Pay & others), as well as manual keyed card numbers via BBL Snap Pay technology.

In addition, Customer cards processed within the store via terminals are saved within the secured cloud system for later re-charging by the store when needed.

The transaction handling supported are:

  1. CC Terminal Charges with Chip or Swipe, Debit, Credit, Apple/Android Pay (NFC) or with previously saved card
  2. Refunds/Credits via CC terminal or previously saved cards/transactions
  3. Manual keyed cards on Terminal or with BBL SnapPay add-on service

The electronic transaction types accepted from a Customer's Ticket/Receipt are:

  1. Payment -> CREDIT Card - receiving money from a customer, awakes the terminal
  2. Payment -> DEBIT - receiving money from a customer, awakes the terminal
  3. Payment -> SAVED Card - receiving money from a customer, appears as tender type when card is saved from previous Credit Card or Debit card transaction via the terminal
  4. Payment -> FORCE - Bypassing the Terminal to post payment to customer's receipt
  5. Payment -> MANUAL - Allow the store User to type in the Customer's credit card information for payment.
  6. Refund -> Credit - refunding money back to customer
  7. Refund -> Debit - refunding money back to customer
  8. Refund -> Use Stored Credit Card - returning money to a customer, using last card previously used to make a payment via the terminal
  9. Refund -> FORCE - Bypassing the Terminal to post a refund payment to customer's receipt

The card brand, i.e. Visa, Mastercard, Amex, Discover used by customer for their transaction is automatically returned to the system from the credit card terminal or BBL SnapPay, so it does not have to be selected by User.

Credit payments & Credit Refunds may be processed by the User selecting the ticket's Payment or Refund transaction types.

Gravity will provide a merchant account, locationID, and terminals. Terminal names will be assigned usually indicating physical location. Store should work with Gravity for terminal names upon service signup. When selected Debit or Credit Card payment tenders, the system will prompt store User to select the terminal name to use for the card payment. Normally the one closest to the Customer would be selected.

Once the Gravity service is set in everywhereRetail, the shop can accept electronic payments. The payment technology is fully integrated into the system. Payments are accepted from a Customer's ticket/receipt by clicking the Payment Link. Payments may be processed via Terminal or Manual payments with SnapPay.

From the Ticket's Payment form the user would enter the amount of the payment to collect, select Credit Card or Debit card or Saved Card (the last card used by Customer is the card automatically saved by the system), then select the Terminal name to use. Click Process to start the charge.

If the customer does not have a Card in hand, but has the number, the system allows the store User to manually key the card number in. There may be two options for this manual entry based upon the set-up in the store. See Manual Entry section further down in this topic.

The Charge actually takes place via the card terminal. The terminal should be conveniently positioned for the Customer to access, and will display instructional messages to the Customer. Once the payment is processed via the Terminal, the service will message everywhereRetail of the Approved/Declined results.

A message will display indicating the terminal results o the store User. No payment will be placed on the customer's ticket for a failed / declined charge, otherwise on Approved the customer's card information is automatically saved by Gravity and is available for re-use by the Use Saved Card payment option, and the payment is posted to the customer's ticket/receipt.

Manual Keying Card Number

Manual charges may taken from the terminal in the event a Customer calls with a credit card number for payment. Manual keyed in charges may be processed on the credit card terminal (this is the PREFERRED method to process cards manually) . Choose the ticket Payment - Credit option on the everywhereRetail payment form, same process as any other charge. Instead of a swipe or chip, the store clerk begins typing the credit card number using the terminals numbered keypad. The manual entry credit card fields will automatically appear. As the data is entered, press the accept arrow key on terminal to have the next field appear. The terminal will prompt for card number, expiration, CCV, billing address and billing zip code. Once all is entered the terminal will report Approved or Declined.

With the optional BBL SnapPay option enabled, choosing the MANUAL option will popup a onscreen form where the User may type the Credit Card information for payment. This should be used when a terminal is NOT available. Terminals are a more secure.

Force

FORCE Payment or Refund type is used In the circumstance a successful charge was called in for approval, bypassing the use of the Credit Card terminal. It may be posted to the everywhereRetail system by utilizing the FORCE option from the Payment form or Refund transaction form. Click FORCE and optionally enter the approval code or note for posting to ticket.

Void

Transaction VOIDs are not possible within everywhereRetail currently, only charge credits. To Void a credit card payment would be to login to the Gravity Merchant portal, VOID the transaction, then in EverywhereRetail Cancel or Delete the payment transaction from the Customer's ticket.

Gravity provides a Merchant Portal to review all charge card activity, see settlements and charge signatures. Within the portal is a Virtual Terminal exists whereby charges may be manually Created outside of everywhereRetail. Any transaction may be Voided, as lon as it is within the allowed window of time, i.e. prior to any settlement or posting to card processor..

Funding TIP: Batch Settlement & funding turnaround is controlled by the Chip Terminal & Processor being utilized. Depending on the processor's settlement cutoff time, the each terminal can be programmed to send the final settlement just prior to that cutoff time to receive a 24 business hour deposit for the charge transactions. Missing the processor's cutoff settlement time will result in a 48 business hour settlement time.

Work with Gravity Customer Service to to understand how to be notified of & respond to customer Charge backs. It is important to learn how to manage & win charge backs.

Surcharging: Gravity Payments can automatically add a % to each payment processed, to recoup the credit card fees normally charged to the retailer. If you would like to collect a surcharge, please contact your representative with Gravity Payments to enable the feature. EverywereBridal requires no special configuration to handle surcharges.