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Merchant Services Jobs in Texas (NOW HIRING)

Merchant Services Representative

Lubbock, TX · On-site

$33K - $38K/yr

Merchant Services Representative PlainsCapital Bank is seeking to hire a Merchant Services Representative. The Merchant Services Representative is responsible for the development of new merchant ...

The Merchant Services Officer is responsible for the development of new merchant services business, the expansion of existing bank business relationships, and the servicing of existing customers ...

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Swipeify Payments is seeking ambitious, persuasive, and performance-driven Merchant Services Sales Executives to help businesses reduce processing costs, improve payment acceptance, and modernize ...

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Merchant Services information

See Texas salary details

$18K

$49.9K

$109.9K

How much do merchant services jobs pay per year?

As of Aug 11, 2026, the average yearly pay for merchant services in Texas is $49,925.00, according to ZipRecruiter salary data. Most workers in this role earn between $28,581.00 and $62,000.00 per year, depending on experience, location, and employer.

What is the difference between Merchant Services vs Payment Processor?

AspectMerchant ServicesPayment Processor
Credentials/CertificationsVaries; often includes merchant account certificationsPCI DSS compliance, certifications for handling transactions
Work EnvironmentFinancial institutions, sales, customer supportTechnology companies, transaction processing centers
Employer & Industry UsageBanking, retail, e-commercePayment gateways, card networks, online merchants
Common Search/Comparison IntentUnderstanding services for accepting paymentsUnderstanding transaction processing

Merchant Services encompass a broad range of solutions for businesses to accept payments, including payment processing, point-of-sale systems, and merchant accounts. Payment Processors specifically handle the technical aspect of transmitting transaction data securely. While related, Merchant Services provide a comprehensive package, whereas Payment Processors focus on transaction handling.

What are merchant services?

Merchant services refer to a broad range of financial services designed to help businesses accept and process payments, typically from credit and debit cards. These services often include payment processing, point-of-sale (POS) systems, online payment gateways, and fraud protection tools. Merchant services providers act as intermediaries between businesses, customers, and banks to ensure secure and efficient transactions. By using merchant services, businesses can expand their payment options, streamline operations, and improve the customer experience.

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

To excel in Merchant Services, you need a solid understanding of payment processing, financial products, and sales strategies, often supported by a background in finance or business. Familiarity with point-of-sale (POS) systems, payment gateways, and industry certifications like ETA CPP is highly valued. Outstanding interpersonal skills, problem-solving ability, and customer service focus set top professionals apart. These combined competencies ensure seamless transaction management, client satisfaction, and business growth in a competitive marketplace.

What are some common challenges faced in a merchant services role and how can they be managed?

Professionals in Merchant Services often encounter challenges such as navigating complex payment processing systems, resolving transaction disputes, and staying updated with changing industry regulations. Managing these challenges typically involves maintaining strong attention to detail, proactively communicating with merchants and payment partners, and participating in ongoing training to remain knowledgeable about new products and compliance requirements. Building strong relationships with clients and internal teams is also key to efficiently addressing issues and providing excellent customer service.
What are the most commonly searched types of Merchant Services jobs in Texas? The most popular types of Merchant Services jobs in Texas are:
What cities in Texas are hiring for Merchant Services jobs? Cities in Texas with the most Merchant Services job openings:
Infographic showing various Merchant Services job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 81% Full Time, 14% Part Time, 1% Temporary, and 3% Contract. Highlights an 93% Physical, 3% Hybrid, and 4% Remote job distribution, with an average salary of $49,925 per year, or $24 per hour.

Full-time

Re-posted 16 hours ago


Job description

PlainsCapital Bank is seeking to hire a Merchant Services Officer. The Merchant Services Officer 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 advisor in product knowledge, basic integration and specialization aspects with a focus on sales.

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.

  • Must be able to report to PCB's Main Bank located at 5010 University Avenue, Lubbock, TX79413, without the need for relocation assistance.
  • Bachelor's degree in business or related field OR combination of equivalent relevant work experience and high school diploma, GED, or equivalent required.
  • 3 to 5 years of relevant experience in a customer-facing banking role required.
  • Previous experience in merchant services or treasury management sales strongly preferred.
  • ETA CPP certification preferred.
  • Self-motivated with strong business development, sales, and negotiation skills.
  • Excellent verbal, written and interpersonal communication skills with the ability to interact with all levels of clients and Bank personnel.
  • 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. Experience using Salesforce or other CRM (customer relationship management) system a plus.
  • 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.

  1. Generates sales calls and leads with prospective and existing merchants to sell and support credit card processing and other optional services.
  2. Analyzes existing merchant statements to determine pricing options and provide client direction.
  3. Prepares, delivers, and presents proposals to prospective and existing merchants.
  4. Maintains proficiency in the changing environment of payment processing in order to set-up merchants, provide training, and download terminals.
  5. Maintains detailed records, reports, and logs pertaining to merchant referrals.
  6. Maintains an understanding and knowledge of compliance and risk issues collaborating with management to determine solutions.
  7. Answers questions regarding merchant services from customers and internal contacts.
  8. Communicates in a clear and succinct manner using multiple platforms.
  9. Additional responsibilities as required.