Payment Processing Specialist Jobs
Payment Processing Specialist jobs are open across banking, fintech, healthcare, retail, and insurance, with specializations in merchant services, chargeback management, and ACH and card network operations, at every level from entry-level to senior and lead. See the openings below and apply to the ones that match your experience.
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Showing 5 of 18+ Payment Processing Specialist jobs
Job Summary
Avera PoS brings over 15 years of industry experience helping businesses find better payment processing solutions. We're looking for motivated, self-driven individuals to join our team as B2B Outside Sales Representatives.
You'll work directly with local business owners to review their payment processing needs, present tailored solutions, and build a portfolio of merchant accounts. With flexible scheduling, sales training, mentorship, and ongoing support, you'll have the opportunity to grow your sales business and develop long-term residual income.
This is a 1099 independent contractor position with commission-only compensation, uncapped earning potential, and residual income paid in perpetuity.
Responsibilities
- Prospect and connect with local business owners and decision-makers.
- Conduct in-person business visits, sales presentations, and consultations.
- Generate new business leads through cold calling, networking, referrals, and direct outreach.
- Review merchant processing statements and prepare customized quotes to identify potential savings.
- Present payment processing, merchant services, and point-of-sale (POS) solutions.
- Educate business owners on payment technology, POS systems, and available processing solutions.
- Identify opportunities for businesses to improve processing costs, technology, and service.
- Follow up with prospective clients, manage the sales pipeline, and develop new business relationships.
- Build lasting client relationships and grow a portfolio of merchant accounts.
- Manage your own schedule, sales activities, and business development efforts.
Qualifications
- Valid driver's license and reliable transportation.
- Smartphone or tablet for sales and communication.
- Strong communication skills and confidence speaking with business owners.
- Self-motivated, organized, coachable, and comfortable working independently.
- Previous sales, B2B, merchant services, or payment processing experience is a plus, but not required.
Why Join Avera PoS?
- Uncapped commission potential.
- Residual income paid in perpetuity on eligible accounts.
- Flexible schedule with primarily daytime business hours.
- Sales training, mentorship, and ongoing support.
- Opportunity to build a long-term income stream through merchant account relationships.
Ready to build your sales business? Apply today to learn more about joining Avera PoS.
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Payment Processing Specialist Jobs by Experience Level
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in payment processing specialist jobs.
- Experience with payment gateway platforms and ACH or card network transaction processing
- Working knowledge of PCI DSS compliance standards and data security requirements
- Proficiency in chargeback management, dispute resolution, and reconciliation workflows
- Familiarity with merchant services, ISO processes, and acquiring bank relationships
- Strong Excel or data analysis skills for transaction reporting and exception handling
- Associate or bachelor's degree in finance, accounting, business, or a related field
Tips for Your Payment Processing Specialist Job Search
Tailor your resume to payment systems
List the specific platforms and networks you've worked with, such as card-present terminals, ACH origination software, or gateway integrations. Hiring managers scan for these names fast, and a generic finance resume won't surface them clearly enough.
Highlight chargeback and dispute metrics
Employers want to see outcomes, not just duties. Quantify your dispute resolution rate, average handling time, or the volume of transactions you processed monthly. Concrete figures from your own work history set your application apart from candidates who list tasks alone.
Get certified in relevant industry standards
A Payment Card Industry Professional or PCI DSS Implementer credential signals you understand compliance from the inside. Even an in-progress certification is worth noting on your resume, since many postings list it as a preferred or required qualification.
Apply early to roles that fit
Migrate Mate lists payment processing specialist openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter for industry-specific openings first
Payment processing work looks very different at a healthcare clearinghouse versus a high-volume e-commerce merchant. Narrow your search by industry before you narrow by location so your experience maps closely to the employer's actual transaction environment.
Prepare for scenario-based interview questions
Interviewers for this role routinely ask how you'd handle a failed batch, a chargeback spike, or a PCI audit finding. Rehearse two or three situations from your own work, walking through the problem, your actions, and the outcome before you walk into the room.
Payment Processing Specialist Jobs: Frequently Asked Questions
Which companies are hiring the most payment processing specialists?
The most active employers for payment processing specialists right now are Avera Payments, Merchant Nations, and South Texas Radiology Group, P.A., and the most openings are in Texas, Florida, and Georgia, based on current listings on Migrate Mate as of November 2026. Demand is strongest at banks, fintech companies, and large retailers managing high transaction volumes.
How many payment processing specialist jobs are remote?
About 100% of payment processing specialist openings are fully remote or hybrid as of November 2026, reflecting broader flexibility across back-office financial operations roles. Sub-areas such as chargeback analysis, ACH reconciliation, and dispute resolution tend to be the most remote-friendly, while merchant onboarding and terminal support roles more often require on-site presence.
How do you become a payment processing specialist?
Start by building a foundation in financial operations, accounts receivable, or customer billing, since these roles develop the reconciliation and accuracy skills employers expect. Learn the mechanics of card networks, ACH origination, and payment gateways through on-the-job work or self-study. Earning a PCI DSS-related certification strengthens your profile, and moving into entry-level payment operations or billing coordinator roles is the most direct path to a specialist title.
Can I get hired as a payment processing specialist with little experience?
Yes, employers do hire candidates with limited direct experience when they can demonstrate adjacent skills. Experience handling billing disputes, cash application, or accounts receivable reconciliation translates directly. Familiarity with any payment platform, even from a customer service or retail banking role, is a real differentiator. Pairing that background with a PCI awareness course or a relevant certification shows initiative and reduces the gap.
What does the payment processing specialist interview process look like?
Most hiring processes for this role include a phone screen focused on your transaction processing background, followed by one or two interviews that mix behavioral and scenario-based questions. Expect to walk through how you've handled reconciliation errors, failed transactions, or compliance concerns. Some employers add a short written exercise or a skills assessment covering data entry accuracy, exception handling, or basic knowledge of card network rules.
Where can I find and apply to payment processing specialist jobs?
You can find and apply to payment processing specialist jobs on Migrate Mate, which lists current openings from across the United States. Search the listings to find roles that match your background and apply directly to each one that fits your experience and preferred location or work arrangement.
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