Payment Consultant Jobs
Payment Consultant jobs are open across fintech, banking, healthcare, and retail payments at every level from entry-level to senior and principal, with specializations in merchant services, payment processing, and transaction systems. See the openings below and apply to the ones that match your experience.
Find Payment Consultant JobsOverview
Showing 5 of 30+ Payment Consultant jobs
Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.
As an Account Management Consultant supporting Optum's Payment Network (S3), you will manage a portfolio of strategic merchants and partners, driving performance, growth, and operational excellence across the network.
You will be responsible for merchant relationships, performance reporting, network expansion initiatives, new capability adoption, and issue resolution. This role partners closely with Product, Operations, Technology, Compliance, and Finance teams to improve authorization rates, expand benefit acceptance, and enhance the merchant experience.
You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.
Primary Responsibilities:
-
Merchant Relationship Management
- Own relationships with strategic merchants and partners
- Lead business reviews and performance discussions
- Identify opportunities to grow spend, expand acceptance, and improve merchant performance
- Ensure merchants comply with network requirements and operational standards
-
Network Performance & Reporting
- Own merchant and network performance reporting, including spend volume, member utilization, activation, and operational metrics
- Develop dashboards, scorecards, and business reviews for internal and external stakeholders
- Analyze performance data and identify growth opportunities, risks, and operational issues
- Leverage AI tools to research data, explore trends, accelerate analysis, and identify insights across merchant and network performance
- Track merchant portfolio health and drive corrective actions when needed
- Business Execution
-
Lead cross-functional initiatives involving Product, Technology, Operations, Legal, and Compliance teams
- Support merchant onboarding, integrations, and launches of new capabilities
- Develop business cases and recommendations to support network growth and strategic initiatives
- Drive execution of key roadmap priorities
-
Problem Resolution & Continuous Improvement
- Serve as the primary escalation point for complex merchant issues
- Coordinate resolution of technical, operational, and process-related challenges
- Identify recurring issues and implement scalable improvements
- Simplify complex issues and communicate clear recommendations to stakeholders
Success Measures
- Merchant retention and satisfaction
- Growth in spend volume and benefit acceptance
- Successful onboarding and activation of merchants and capabilities
- Delivery of reporting, dashboards, and business reviews
- Reduction in operational issues and escalations
- Successful execution of strategic initiatives and roadmap commitments
You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
Required Qualifications:
- 8+ years of account management, client services, payments, fintech, healthcare, retail technology, or related experience
- Experience managing strategic clients or merchant relationships
- Experience leading complex cross-functional initiatives
- Experience with performance reporting, analytics, business reviews and demonstrated fluency with AI tools and prompt-based research, including the ability to use AI to explore data, conduct research, synthesize information, and accelerate business analysis.
- Experience with payment networks, merchant onboarding, integrations, or transaction processing
- Proven solid problem-solving, communication, and stakeholder management skills
- Ability to travel up to 20% for merchant reviews, industry events, and leadership meetings
Preferred Qualifications
- Experience in healthcare payments, directed spend, FSA/HSA, OTC, or benefit programs
- Experience with merchant analytics and performance management
- Experience with Power BI and demonstrated fluency with AI tools and prompt-based research, including the ability to use AI to explore data, conduct research, synthesize information, and accelerate business analysis
- Experience using Microsoft Copilot, ChatGPT, or similar generative AI tools for research, reporting, and business problem-solving
- Experience working with large national retailers or digital commerce platforms
All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 - $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable.
Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.
At UnitedHealth Group, our mission is to help people live healthier lives and help make the health system work better for everyone. Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve. We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives.
UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment.
Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.
As an Account Management Consultant supporting Optum's Payment Network (S3), you will manage a portfolio of strategic merchants and partners, driving performance, growth, and operational excellence across the network.
You will be responsible for merchant relationships, performance reporting, network expansion initiatives, new capability adoption, and issue resolution. This role partners closely with Product, Operations, Technology, Compliance, and Finance teams to improve authorization rates, expand benefit acceptance, and enhance the merchant experience.
You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.
Primary Responsibilities:
-
Merchant Relationship Management
- Own relationships with strategic merchants and partners
- Lead business reviews and performance discussions
- Identify opportunities to grow spend, expand acceptance, and improve merchant performance
- Ensure merchants comply with network requirements and operational standards
-
Network Performance & Reporting
- Own merchant and network performance reporting, including spend volume, member utilization, activation, and operational metrics
- Develop dashboards, scorecards, and business reviews for internal and external stakeholders
- Analyze performance data and identify growth opportunities, risks, and operational issues
- Leverage AI tools to research data, explore trends, accelerate analysis, and identify insights across merchant and network performance
- Track merchant portfolio health and drive corrective actions when needed
- Business Execution
-
Lead cross-functional initiatives involving Product, Technology, Operations, Legal, and Compliance teams
- Support merchant onboarding, integrations, and launches of new capabilities
- Develop business cases and recommendations to support network growth and strategic initiatives
- Drive execution of key roadmap priorities
-
Problem Resolution & Continuous Improvement
- Serve as the primary escalation point for complex merchant issues
- Coordinate resolution of technical, operational, and process-related challenges
- Identify recurring issues and implement scalable improvements
- Simplify complex issues and communicate clear recommendations to stakeholders
Success Measures
- Merchant retention and satisfaction
- Growth in spend volume and benefit acceptance
- Successful onboarding and activation of merchants and capabilities
- Delivery of reporting, dashboards, and business reviews
- Reduction in operational issues and escalations
- Successful execution of strategic initiatives and roadmap commitments
You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
Required Qualifications:
- 8+ years of account management, client services, payments, fintech, healthcare, retail technology, or related experience
- Experience managing strategic clients or merchant relationships
- Experience leading complex cross-functional initiatives
- Experience with performance reporting, analytics, business reviews and demonstrated fluency with AI tools and prompt-based research, including the ability to use AI to explore data, conduct research, synthesize information, and accelerate business analysis.
- Experience with payment networks, merchant onboarding, integrations, or transaction processing
- Proven solid problem-solving, communication, and stakeholder management skills
- Ability to travel up to 20% for merchant reviews, industry events, and leadership meetings
Preferred Qualifications
- Experience in healthcare payments, directed spend, FSA/HSA, OTC, or benefit programs
- Experience with merchant analytics and performance management
- Experience with Power BI and demonstrated fluency with AI tools and prompt-based research, including the ability to use AI to explore data, conduct research, synthesize information, and accelerate business analysis
- Experience using Microsoft Copilot, ChatGPT, or similar generative AI tools for research, reporting, and business problem-solving
- Experience working with large national retailers or digital commerce platforms
All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 - $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable.
Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.
At UnitedHealth Group, our mission is to help people live healthier lives and help make the health system work better for everyone. Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve. We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives.
UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment.
Payment Consultant Jobs by Experience Level
See All 30 Payment Consultant Jobs
Find roles that match your experience and apply in just a few clicks.
Find Payment Consultant JobsPayment Consultant Job Market
Who's Hiring
- U.S. Bank16
- M&T Bank3
- Visa2
- Guidehouse2
- Bank of America2
Top Industries Hiring
- Technology & Software
What Employers Look For
The qualifications that appear most often in payment consultant jobs.
- Experience with payment processing platforms, gateway integrations, or merchant acquiring workflows
- Knowledge of card network rules, PCI DSS compliance standards, and payment security frameworks
- Proficiency in Salesforce or similar CRM tools for pipeline and account management
- Bachelor's degree in finance, business, or a related field preferred by most employers
- Proven ability to onboard merchants, resolve disputes, and manage client escalations
- Familiarity with ACH, wire transfers, card-present, and card-not-present transaction types
Tips for Your Payment Consultant Job Search
Quantify payment volume on your resume
Hiring managers in this field respond to numbers. Cite the transaction volumes you managed, portfolio sizes you grew, or revenue you influenced. Vague descriptions of client work get filtered out before a recruiter reads past the first screen.
Highlight certifications specific to payments
Credentials like Certified Payments Professional or PCI DSS training signal domain fluency that generic finance experience does not. List them prominently in a dedicated certifications section so they appear above the fold in applicant tracking systems.
Target openings by payment vertical, not just title
Job titles vary widely: some postings say payments analyst, solutions consultant, or merchant acquiring specialist. Search by the vertical you know, such as card-not-present, ACH, or point-of-sale, to surface relevant roles that use different titles.
Apply early to roles that fit
Migrate Mate lists payment consultant openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for a technical pre-screen on payment flows
Many interviews open with a walkthrough of an end-to-end transaction cycle, from card swipe to settlement. Practice explaining authorization, clearing, and chargeback processes out loud before your first call so your answer is clear and confident.
Negotiate using total compensation, not base salary alone
Payment consultant roles frequently include commission structures tied to portfolio activation or merchant volume. Before accepting an offer, ask for a full breakdown of on-target earnings, residual splits, and ramp timelines so you can compare offers accurately.
Payment Consultant Jobs: Frequently Asked Questions
Which companies are hiring the most payment consultants?
The companies hiring the most payment consultants right now include U.S. Bank, M&T Bank, and Visa, with the largest share of openings in Georgia, New York, and California, based on current listings on Migrate Mate as of November 2026. Demand is especially concentrated at payment processors, merchant acquirers, and fintech platforms expanding their sales and implementation teams.
How many payment consultant jobs are remote?
About 83% of payment consultant openings are fully remote or hybrid as of November 2026, reflecting strong demand for consultants who can onboard and support merchants without being on-site. Advisory, implementation, and technical support roles tend to be the most remote-friendly, while field sales and enterprise relationship roles more often require travel or a home-market presence.
How do you become a payment consultant?
Start by building foundational knowledge of payment processing, card network rules, and compliance frameworks such as PCI DSS. Entry points include roles in merchant services, banking operations, or fintech customer success. Earning a Certified Payments Professional credential accelerates credibility. Most consultants move into the role after two to three years in a related payments or financial services position.
Can I get hired as a payment consultant without direct payments experience?
Yes, many employers hire candidates from adjacent fields such as SaaS sales, banking operations, or financial technology support and train them on payment-specific workflows. Focus your application on transferable skills like client onboarding, contract negotiation, and technical troubleshooting. Demonstrating knowledge of transaction flows and card network basics in your interview compensates significantly for limited direct experience.
What does the payment consultant interview process look like?
Most processes run three to four stages. A recruiter screen assesses background and compensation expectations, followed by a hiring manager call focused on client management scenarios and payments knowledge. A technical or case interview often asks you to walk through a transaction lifecycle or troubleshoot a merchant issue. Final rounds typically include a panel with sales leadership or a solutions team.
Where can I find and apply to payment consultant jobs?
You can find and apply to payment consultant jobs on Migrate Mate, which lists current openings from across the United States in one place. Search for roles that match your specialization, whether that is merchant services, payment processing, or acquiring, and apply directly to each listing that fits your background and experience level.
See All 30 Payment Consultant Jobs
Find roles that match your experience and apply in just a few clicks.
Find Payment Consultant Jobs