Position Overview

We are seeking a capable and detail-oriented Merchant Operations Specialist to support the day-to-day operation of merchant payment services, ensuring that business customers can accept, process, and reconcile electronic payments efficiently. The successful candidate will work across merchant onboarding support, payment monitoring, account maintenance, transaction investigation, and operational issue resolution.

This role is suited to a professional who understands the operational requirements of merchant services and can coordinate effectively with payment processors, acquiring partners, internal finance teams, and technical support specialists. The position requires a strong focus on transaction accuracy, service quality, operational controls, and the timely resolution of merchant-related issues.

Based in Estonia, this opportunity offers exposure to the European digital payments ecosystem, including card acceptance, electronic payment processing, and payment service infrastructure.

Key Responsibilities

• Support daily merchant operations across card payments, online payment gateways, and other supported payment acceptance channels.
• Process merchant account updates, maintain accurate merchant records, and verify that operational information is complete.
• Monitor transaction activity and investigate payment failures, delayed settlements, duplicate transactions, and unusual processing patterns.
• Coordinate merchant-related operational requests with payment processors, acquiring banks, and internal service teams.
• Assist with merchant onboarding procedures by checking operational documentation and confirming that required information has been received.
• Monitor transaction processing and settlement statuses, escalating unresolved discrepancies to the relevant teams.
• Support the investigation of refunds, chargebacks, payment reversals, and transaction disputes in accordance with established procedures.
• Reconcile merchant transaction reports against settlement records and internal financial data.
• Maintain accurate case records, operational logs, merchant correspondence, and supporting documentation.
• Identify recurring service issues and recommend improvements to merchant support workflows and operational procedures.
• Assist with the testing of payment integrations, merchant platform updates, and changes to transaction processing workflows.
• Follow internal controls, data protection requirements, and applicable payment service procedures when handling sensitive merchant information.

Candidate Requirements

• Bachelor’s degree or equivalent practical experience in Finance, Business Administration, Banking, Information Systems, or a related field.
• Experience in merchant services, payment operations, digital banking, customer operations, or financial technology support.
• Understanding of card payment lifecycles, payment gateways, merchant accounts, transaction processing, and settlement procedures.
• Familiarity with refunds, chargebacks, reconciliation, and payment exception management.
• Good proficiency in Microsoft Excel or Google Sheets and the ability to interpret transaction reports.
• Strong organisational skills, attention to detail, and the ability to manage multiple operational requests.
• Clear written and verbal communication skills when working with merchants and internal stakeholders.
• A responsible approach to confidential information, operational risk, and documentation.

Additional Advantages

Experience with card schemes, acquiring processors, payment service providers, SEPA settlement processes, or merchant management systems would be beneficial. Familiarity with API-based payment integrations and CRM or ticketing platforms is also an advantage.

Performance Expectations

Success in this position will be measured by the accuracy of merchant records, timely handling of operational requests, quality of transaction investigations, settlement issue resolution, and adherence to established service standards.

What You Will Contribute

Your work will help maintain dependable merchant payment operations, minimise avoidable transaction disruptions, and improve the service experience for businesses using digital payment solutions.

Ideal Candidate: A service-oriented payments professional who combines operational discipline, financial accuracy, and effective communication to support reliable merchant services.

Are you interested in this position?

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

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