Merchant Services Onboarding Specialist

Job Description

Job Description

Location : Times Square, Midtown Manhattan, New York, NY 10036

Compensation : $25–$30 per hour (depending on experience)

Employment Type : Full-Time | Monday–Friday

Work Arrangement : 100% On-Site

IMPORTANT: INDUSTRY EXPERIENCE REQUIRED

Applicants MUST have a minimum of 3 years of direct experience in the credit card processing / merchant services industry. Candidates with 5+ years of experience are strongly preferred.

We are specifically seeking candidates who have previously worked for a Merchant Services ISO, Independent Sales Organization, payment processor, merchant acquirer, or payment processing company.

General customer service, banking, retail cashier, or receptionist experience does NOT qualify as merchant services experience.

About FinBridge

FinBridge is a growing merchant services company specializing in credit card processing, cash discount programs, and business growth solutions.

We are seeking an experienced *Merchant Services Onboarding Specialist* who understands the credit card processing industry and can independently manage merchant inquiries, applications, underwriting follow-ups, account approvals, and activations.

The ideal candidate is familiar with the entire merchant onboarding lifecycle and can effectively communicate with merchants, sales agents, processors, and underwriting departments.

This is a hands-on position requiring actual merchant services industry experience.

Key Responsibilities

Merchant Applications & Onboarding

- Manage merchant onboarding from initial lead through approved and activated processing account.

- Prepare, review, and submit merchant processing applications.

- Collect required documents, including business formation records, EIN documentation, voided checks, identification, and merchant processing statements.

- Coordinate directly with processors, underwriting departments, and ISO relationship managers.

- Follow up on pending applications, underwriting conditions, approvals, and account activation.

- Assist with merchant identification numbers (MIDs), gateway setup, and terminal deployment.

- Ensure merchant information and application packages are complete and accurate.

Credit Card Processing Knowledge

- Understand and explain cash discount, dual pricing, surcharge, interchange-plus, and flat-rate pricing models.

- Review merchant processing statements and identify current processing rates, fees, and monthly processing volume.

- Understand effective processing rates, basis points, transaction fees, and common processing charges.

- Familiarity with POS terminals, payment gateways, and merchant account configurations.

- Communicate merchant processing requirements and assist with transitioning accounts from existing processors.

Lead Management & Merchant Sales Support

- Manage inbound leads generated through Instagram, Facebook, digital advertising, telephone, and website inquiries.

- Qualify business owners based on monthly card processing volume, current processor, and merchant needs.

- Follow up consistently with qualified prospects until applications are completed.

- Schedule consultations with senior sales representatives or company leadership when necessary.

- Maintain accurate CRM records and track all prospects through onboarding and activation.

- Identify opportunities to convert prospective merchants into active FinBridge clients.

Office Operations & Administrative Support

- Serve as the primary point of contact for merchant inquiries.

- Answer incoming business calls and manage merchant communications.

- Maintain organized electronic merchant files.

- Monitor pending applications and unresolved onboarding issues.

- Prepare daily reports detailing new leads, submitted applications, approvals, pending accounts, and activations.

- Coordinate with management to improve the speed and efficiency of merchant onboarding.

REQUIRED Qualifications

- * Minimum 3 years of direct merchant services / credit card processing industry experience.*

- Previous employment with a Merchant Services ISO, payment processor, merchant acquirer, or merchant account provider.

- Hands-on experience with merchant applications and onboarding.

- Familiarity with underwriting documentation and merchant account approvals.

- Working knowledge of merchant processing rates, fees, pricing structures, and processing statements.

- Experience communicating directly with merchants and processing partners.

- Strong computer proficiency, CRM experience, and organizational skills.

- Excellent verbal and written communication.

- Ability to manage multiple merchant applications and follow-ups independently.

- Must be available to work on-site in Times Square, Manhattan.

Strongly Preferred

- 5+ years of experience in merchant services operations or onboarding.

- Prior experience working in an ISO back office or merchant boarding department.

- Experience with cash discount or dual-pricing programs.

- Familiarity with processors and platforms such as Fiserv, TSYS, Global Payments, Elavon, Worldpay, or similar organizations.

- Experience with merchant statements, residual reporting, POS equipment, and payment gateways.

- Experience working with ISO/agent portals, processor boarding systems, or merchant CRM software.

- Ability to recognize incomplete applications and resolve underwriting issues without constant supervision.

Compensation & Advancement

- $25–$30 per hour, based on qualifications and industry experience.

- Full-time, Monday–Friday position.

- Potential performance-based incentives.

- Opportunity for advancement as FinBridge expands its merchant services portfolio.

- Work directly with company leadership in a growing organization.

IMPORTANT APPLICATION INSTRUCTIONS

*ONLY APPLY IF YOU HAVE AT LEAST 3 YEARS OF DIRECT CREDIT CARD PROCESSING OR MERCHANT SERVICES INDUSTRY EXPERIENCE. *

Applicants should clearly identify:

1. The merchant services company, ISO, or payment processor where they previously worked.

2. Their years of credit card processing experience.

3. Their experience with merchant applications, underwriting, and onboarding.

4. The processing platforms or ISO portals they have used.

*Candidates without direct credit card processing industry experience will not be considered. *