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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 Representative information

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How much do merchant services representative jobs pay per hour?

As of Aug 12, 2026, the average hourly pay for merchant services representative in the United States is $17.91, according to ZipRecruiter salary data. Most workers in this role earn between $15.38 and $19.23 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a merchant services representative, and why are they important?

To thrive as a Merchant Services Representative, you need strong customer service skills, knowledge of payment processing, and a background in finance or sales, often supported by a relevant degree or experience. Familiarity with point-of-sale (POS) systems, payment gateways, and CRM software is typically required. Standout representatives excel at communication, problem-solving, and building client relationships. These abilities are crucial for ensuring client satisfaction, resolving technical issues efficiently, and driving business growth in a competitive payments industry.

What is a merchant services representative?

Merchant Services Representatives are professionals who assist businesses with payment processing solutions and related financial services. They help merchants set up accounts to accept credit card and electronic payments, provide customer support, and resolve issues related to transactions or equipment. These representatives often serve as the main point of contact between the merchant and the payment processing company, ensuring smooth and secure transactions. Their role includes onboarding new clients, troubleshooting technical problems, and advising on the best payment solutions for a business's needs.

How do merchant services representatives typically collaborate with other departments to resolve client issues?

Merchant Services Representatives frequently work with teams such as technical support, risk management, and account management to address client concerns efficiently. When merchants encounter payment processing issues or need assistance with account changes, representatives coordinate with these departments to investigate and implement solutions. Effective communication and timely follow-up are key, as clients often rely on swift resolutions to maintain their business operations. This collaborative approach not only ensures client satisfaction but also provides valuable learning opportunities for representatives to expand their knowledge and skills.

What is the difference between Merchant Services Representative vs Customer Service Representative?

AspectMerchant Services RepresentativeCustomer Service Representative
CredentialsSales experience, knowledge of payment processing, certificationsCommunication skills, basic computer skills, customer service training
Work EnvironmentOffice, call centers, client meetingsCall centers, retail, office settings
Industry UsageFinancial services, payment processing companiesVarious industries including retail, telecom, healthcare
Primary FocusPromoting payment solutions, onboarding merchantsHandling customer inquiries, resolving issues

The main difference is that Merchant Services Representatives focus on selling and supporting payment processing solutions to merchants, while Customer Service Representatives handle general customer inquiries and support across various industries. Both roles require strong communication skills, but their specific responsibilities and industry focus differ.

How to become a merchant services representative?

To become a merchant services representative, candidates typically need a high school diploma or equivalent, strong communication skills, and familiarity with payment processing systems. Relevant experience in sales, customer service, or finance can be beneficial, and some employers may require certification in payment industry standards or related tools.
More about Merchant Services Representative jobs
What states have the most Merchant Services Representative jobs? States with the most job openings for Merchant Services Representative jobs include:
What job categories do people searching Merchant Services Representative jobs look for? The top searched job categories for Merchant Services Representative jobs are:
Merchant Services Representative jobs near you
Infographic showing various Merchant Services Representative job openings in the United States as of August 2026, with employment types broken down into 90% Full Time, and 10% Contract. Highlights an 80% In-person, and 20% Remote job distribution, with an average salary of $37,257 per year, or $17.9 per hour.

Merchant Services Representative

Hilltop Holdings

Lubbock, TX • On-site

$33K - $38K/yr

Full-time

Posted 15 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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