Company Overview

The organization operates within the fintech and digital payments industry, providing payment acceptance solutions and financial technology services that enable businesses to receive and manage electronic payments.

Its services support merchant payment processing, transaction management, payment settlement, and financial connectivity across digital commerce environments. The organization focuses on improving payment acceptance reliability, operational efficiency, and the overall performance of merchant financial services.

Through modern payment infrastructure and strategic financial partnerships, the organization supports businesses operating across different industries and geographical markets.

Its remote workforce includes professionals specializing in merchant services, acquiring operations, payment technology, financial reconciliation, and customer operations.

Role Summary

The Merchant Acquiring Operations Specialist will support the operational management of merchant payment acceptance services, including transaction processing, merchant settlement, acquiring performance, and payment-related investigations.

The role involves monitoring merchant transactions, coordinating settlement activities, investigating processing discrepancies, and supporting the operational relationship between merchants, acquiring banks, and payment service providers.

The successful candidate will work closely with payment operations, risk management, finance, technical support, and merchant relationship teams to maintain efficient acquiring operations.

This position requires a strong understanding of card payment processing, merchant acquiring, settlement procedures, and payment industry operations. The ideal candidate will be detail-oriented, customer-focused, and capable of resolving complex payment-related operational issues.

Key Responsibilities

• Monitor daily merchant acquiring activities and ensure accurate processing of electronic payment transactions.

• Support the operational management of merchant accounts across supported acquiring platforms.

• Review transaction records, settlement reports, and payment processing information to identify discrepancies.

• Investigate failed, reversed, duplicated, or disputed merchant transactions.

• Coordinate with acquiring banks and payment service providers to resolve settlement and processing issues.

• Monitor merchant settlement schedules and investigate delayed or incomplete payouts.

• Support merchant onboarding activities by coordinating operational requirements and account configuration.

• Review payment acceptance performance and identify issues affecting transaction authorization and completion rates.

• Assist with chargeback administration and the investigation of payment disputes.

• Maintain accurate merchant operational records and documentation.

• Collaborate with risk and compliance teams on merchant monitoring and operational control requirements.

• Prepare reports covering merchant transaction volumes, settlement performance, processing exceptions, and operational trends.

• Support the implementation and testing of acquiring platform improvements.

• Identify opportunities to improve merchant payment workflows and operational service quality.

• Maintain professional communication with internal stakeholders and external payment partners.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related discipline.

• At least three years of experience in merchant acquiring, payment operations, card processing, or financial services.

• Strong understanding of merchant acquiring processes and electronic payment transaction lifecycles.

• Familiarity with card payment networks, payment gateways, acquiring banks, and payment service providers.

• Understanding of authorization, clearing, settlement, refunds, and chargeback processes.

• Experience investigating transaction discrepancies and merchant settlement issues.

• Proficiency in Microsoft Excel and operational reporting tools.

• Familiarity with payment processing platforms and merchant management systems.

• Understanding of PCI DSS and relevant payment security principles.

• Strong analytical, organizational, and problem-solving capabilities.

• Excellent communication and stakeholder management skills.

• Ability to manage multiple operational priorities in a remote working environment.

• Experience with international merchant services or cross-border acquiring is advantageous.

Benefits

• Fully remote working arrangement within Estonia.

• Competitive compensation based on experience and qualifications.

• Opportunity to contribute to the development of modern merchant payment services.

• Professional development in acquiring operations and digital payment infrastructure.

• Exposure to international acquiring networks and payment service providers.

• Collaborative working environment involving payment operations, finance, and technology teams.

• Access to modern digital tools and professional development resources.

Application Instructions

Interested candidates should submit an updated CV highlighting their experience in merchant acquiring, card payment processing, settlement operations, or digital payment services.

Applications should demonstrate practical knowledge of merchant transaction workflows, acquiring systems, and payment reconciliation. Candidates with experience supporting payment processors, acquiring banks, or merchant service platforms are encouraged to apply.

Apply by clicking on the “Apply Now” Button below!

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