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Merchant Services Rep Jobs (NOW HIRING)

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Merchant Services Representative

$18.50/hr

Overview Our Merchant Services team supports the growth of the Merchant Services portfolio through consultation calls and is responsible for having clients agree to apply for merchant accounts. We ...

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Merchant Services Rep information

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$58K

$102.9K

$146K

How much do merchant services rep jobs pay per year?

As of Sep 3, 2026, the average yearly pay for merchant services rep in the United States is $102,916.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,500.00 and $130,000.00 per year, depending on experience, location, and employer.

What is a merchant services rep?

Merchant Services Representatives are professionals who help businesses set up, manage, and troubleshoot payment processing solutions, such as credit card terminals and online payment systems. They work for banks, payment processors, or financial service companies, and are responsible for onboarding new merchant accounts, providing customer support, and ensuring compliance with payment industry regulations. Their role is crucial in helping businesses accept electronic payments securely and efficiently, often serving as the main point of contact for merchants who need assistance with transactions or payment technology.

What are the key skills and qualifications needed to thrive as a merchant services rep?

To thrive as a Merchant Services Representative, you need a solid understanding of payment processing, customer account management, and basic sales principles, usually supported by a high school diploma or equivalent. Familiarity with payment terminals, point-of-sale (POS) systems, CRM software, and industry compliance standards like PCI DSS is typically required. Exceptional communication, problem-solving, and relationship-building skills help you address client concerns and upsell services effectively. These skills are crucial for delivering seamless payment solutions, building client trust, and driving revenue growth in a competitive financial services environment.

How does a merchant services rep typically collaborate with other departments to resolve client issues?

As a Merchant Services Representative, you will often work closely with teams such as technical support, risk management, and sales to address and resolve client concerns. For example, when a merchant experiences payment processing issues, you may coordinate with technical support to troubleshoot the problem and with risk teams to ensure compliance. This role requires strong communication skills and the ability to manage multiple stakeholders to provide timely and effective solutions. Collaboration is key to maintaining client satisfaction and ensuring smooth operations.

What is the difference between Merchant Services Rep vs Sales Associate in the same industry?

AspectMerchant Services RepSales Associate
CredentialsTypically requires sales or customer service experience, sometimes certifications in payment processingUsually requires retail or product knowledge, sales experience
Work EnvironmentOffice setting, client meetings, phone and online communicationRetail stores, direct customer interaction
Employer & IndustryFinancial services, payment processing companiesRetail, sales-focused businesses
Search & Comparison IntentUnderstanding payment solutions, merchant account servicesProduct sales, retail customer service

The main difference is that Merchant Services Reps focus on selling and supporting payment processing solutions to businesses, often requiring knowledge of financial products. Sales Associates typically work in retail environments, selling products directly to consumers. While both roles involve sales skills, Merchant Services Reps are more specialized in financial services and client account management.

What are the most commonly searched types of Merchant Services Rep jobs?

The most popular types of Merchant Services Rep jobs are:

What states have the most Merchant Services Rep jobs?

States with the most job openings for Merchant Services Rep jobs include:

Merchant Services Rep jobs near you
Infographic showing various Merchant Services Rep job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 81% Full Time, 15% Part Time, and 3% Contract. Highlights an 90% Physical, 2% Hybrid, and 8% Remote job distribution, with an average salary of $102,916 per year, or $49.5 per hour.

Merchant Services Representative

Hilltop Holdings

Lubbock, TX • On-site

$33K - $38K/yr

Full-time

Re-posted 7 days ago

Job description


PlainsCapital Bank is seeking to hire a Merchant Services Representative. The Merchant Services Representative is responsible for the development of new merchant services business, the expansion of existing bank business relationships, and the servicing of existing customers primarily in the area of merchant services. This position will serve as a merchant services point of contact and provide basic advisory services, with a focus on sales.
Responsibilities
  • Generates sales calls and leads with prospective and existing merchants to sell and support credit card processing and other optional services.
  • Communicates in a clear and succinct manner using multiple platforms.
  • Develops and maintains proficiency in the changing environment of payment processing in order to set-up merchants, provide training, and download terminals.
  • Develops and maintains ability to analyze merchant statements to determine pricing options and provide client direction.
  • Prepares, delivers, and presents proposals to prospective and existing merchants.
  • Maintains detailed records, reports, and logs pertaining to merchant referrals.
  • Develops and maintains an understanding and knowledge of compliance and risk issues to escalate to management as appropriate.
  • Answers questions regarding merchant services from customers and internal contacts.
  • Assumes additional responsibilities as required.

Qualifications
  • High school diploma, general education degree (GED), or equivalent required.
  • 2 or more years of B2B (business-to-business) sales experience and/or Bachelor's degree (or equivalent training in business or sales management in lieu of degree) required.
  • Previous experience in merchant services or banking/financial services strongly preferred.
  • Self-motivated with strong business development, sales, and negotiation skills.
  • Excellent verbal, written and interpersonal communication skills.
  • Excellent customer service and personal skills.
  • Excellent PC skills, including word processing, presentations and spreadsheets via Microsoft Office products as well as custom applications and systems.
  • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
    The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us
PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.
Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.
PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.
PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.
To learn more, please visit us online at plainscapital.com/about.

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