Don't Consider a Merchant Services Career Without Reading This!

Don’t Consider a Merchant Services Career Without Reading This!

A merchant services career will help you increase your residual income

A merchant services career will help you increase your residual income.

Just what is merchant processing? Companies like Shift offer merchant processing as a service to business owners in order to be able to accept a variety of payment options (not just cash), which means more profit for them at the end of the day. Shift offers merchant services for credit card processing.

But, what are merchant services? Merchant services simply help a business accept payments beyond just cash. Just how does merchant services work? In order to process payments made with credit cards or debit cards, a business will need to partner with credit card servicing companies, like Shift.

There are a lot of benefits to merchant services jobs, but that doesn’t mean that it’s the same for everyone.

A merchant services career will show you how to sell merchant services over the phone, or in person, to businesses that need it, but you shouldn’t make a hasty switch.

With so many jobs in merchant services, it can be tough to find the one that fits you best. If you’re considering switching merchant processing jobs, or if you’re entering the merchant processing sales field for the first time, read this article to learn how the right payments processing company can optimize your skills, give you a sense of security, and make you more money.

Working in a merchant services career: Darla vs. Ralph

This is Darla.

A merchant services career will help increase your residual income

Darla sells merchant processing for Unnamed Processing Incorporated, a mainstream merchant service company like Bank of America or JP Morgan Chase.

She lives in Miami, FL and is selling merchant processing services from Delray Beach, FL to Coral Springs, FL. Careers at Bank of America, Chase or Unnamed Processing Incorporated are very similar, and a merchant support specialist like Darla can make very little money if she doesn’t understand how payment processing sales really work.

Credit card processing is simply the act of processing sales paid for with a credit card. Because of the way this process works, Darla becomes the intermediary between the business owner and the bank merchant services.

She doesn’t love having to chase down merchant business owners, but she feels like there is no better option for her. She’s doing ok, but she feels trapped in a job where she’s not flourishing at the level she should be.

Darla doesn’t like feeling like she is just a relationship manager between the bank and the business she is trying to help. She knows that POS solutions are not expensive and are easy to come across, giving the buyer the upper hand.

This is Ralph. He lives in Seattle, WA and sells products from Phoenix, AZ to Atlanta, GA and Los Angeles, CA.Merchant services careers will expand your income horizons

Ralph understands that merchant services jobs can really expand a person’s income.

He sells merchant services for Shift Processing.

Ralph loves his career. He feels confident in his skills as a credit card processing sales rep, and his hard work is already paying off.

What makes Darla and Ralph’s situations so different? They both work hard in a merchant service career, but the outcomes are drastically different.

It all comes down to the companies they work for.  Let’s take a closer look at the differences between Shift Processing and its competitors.

Daily life in a merchant services career

Any career will affect your day-to-day life, but what does an average day as a merchant sales consultant look like for Darla and Ralph?

Selling merchant services (commonly called a payment solutions sales consultant) looks different for both of them, and it surely affects their overall feelings about their merchant service jobs.


Darla wakes up at 7 am every day to cold-call businesses.

Her job gives her the illusion that she can make her own schedule, but she’s required to meet an ever-increasing monthly sales quota that she must report to her sales manager. Darla works long hours every day for very little pay.

Darla spends her day visiting businesses. She tries to teach them about her company’s merchant sales program to find the right marketing solutions for each merchant. 

What Darla finds most days is the best she can offer them is slightly lower rates than what they’re already paying. 

She tries to promise advantages that her company can provide like data security, but companies see that as a desperate attempt at gaining their business. 

Most business owners don’t want to go through the hassle of switching merchant processing companies and possibly even business banking for only slightly lower rates, so she has trouble getting them to agree to talk to her.

When she does finally land a sale, she has to go through an extensive process of switching the business over to her company.

The paperwork is lengthy, and her customer is hesitant to sign a one-to-three year contract.

The payments industry can be rough on merchant account sales reps who don’t get to see a portion of the monthly residuals. The best merchant services sales jobs and credit card merchant services careers have a healthy residual sharing plan.

Merchant services will allow you to be the master of your day

At the end of each day at what feels more like a temporary job than a career, she goes back home feeling like she has nothing to show for all her hard work. She wants to have a successful career in merchant services, but it feels like an uphill battle.


On days where Ralph is excited to start his day, he’ll set his alarm for 7 am and hits the ground running. On other days when he just wants to stay in bed a little longer, he’ll sleep in and enjoy a relaxing morning. 

He may stay home and call business owners over the phone, or he may take the day off. With a company like Shift Processing, there’s no monthly quota looming over his head that says he has to sell or lose his monthly residual. 

Ralph has set up a referral partner that works in the cash register business that sends merchant account leads his way. He also has an agreement with a local business analyst and a small business account manager that brings in new merchant service leads for him to follow up on.

Ralph has no monthly sales quota to meet, so he has the complete freedom to shape his schedule to his desires, giving him solid work-life balance.

When he goes out cold-calling, business owners are excited to talk with him about the unique credit merchant services that Shift has to offer: eliminating 100% of their processing fees.

Ralph has no problem selling Shift’s merchant processing services. With no monthly fees or year-long contracts, the service practically sells itself.

Every time Ralph makes a sale, the process is super quick. The merchant application is short, and customers appreciate that all of Shift’s business is done month-to-month.

When Ralph returns home at the end of the day, he feels satisfied knowing that all his hard work will pay off.

He has saved jobs for many businesses by simply eliminating their credit card processing fees and giving the business more profit to put back into the workforce.

A merchant services career can help you increase you monthly revenue

Earning money

Everyone hopes that their job will earn them a good income. Knowing how to sell merchant services from home can help you increase your monthly revenue by turning into a merchant services career.

Both Darla and Ralph work hard for their money, but only one feels like his paycheck reflects the hard work he does.


Darla knows that she should be earning more, but she doesn’t know how to make it happen. The businesses that Darla has signed aren’t making her the money she would like. She has a portfolio of clients, but she only makes an average of $900 a month. She thought people with merchant account sales jobs could make substantial income.

With this income, she doesn’t have enough money to put toward her goals or hobbies, and she has to go out and sell to more businesses or she won’t make rent for that month. It’s especially a problem when her merchant leads run out. 

When Darla makes a sale, her company’s restrictive contracts and monthly fees don’t allow her to make much money off of it.

She’s building the organization’s bottom line at her own expense while her company is pocketing 90% of her account’s profitability. She makes less than Ralph, and relies on a cash advance to stay ahead of the bills on slower months.

The stress from Darla’s job makes her feel trapped. She makes a tiny residual income from her credit card processing sales jobs, but she’s always nervous that her customers will leave her for a better processing company.

Because of her limited income, Darla lacks a sense of security in her merchant service career.


Ralph loves the money that he makes, and he’s excited to know he can make even more!

At Shift Processing, Ralph has the ability to eliminate 100% of his customer’s processing fees on credit cards and debit cards. Gift cards aren’t charged a fee, but he’s pretty confident that if they were that he’d be able to eliminate that as well.

As a result, he makes an average of $10,000 a month! You don’t need a financial analyst to explain Ralph’s advantage. 

Not only are more companies excited about signing on with him, but they are referring corporate clients his way. And Shift gives him a higher percentage of the profit from selling merchant accounts!

Ralph doesn’t stress about his customers leaving him for another business. He’s confident in the service he sells, and he knows that the deals he’s signed will give him a residual income for life.

Your life with a merchant services career

Do you relate to Darla? Is your company experience similar to working for the unnamed merchant services company like JPMorgan Chase merchant services? 

If you’re selling credit card processing services, and your career leaves you feeling trapped and insecure, it may be time to consider a switch in processing companies and search for new credit card processing employment. Shift Processing gives you all the opportunities you need to succeed.

If you’re considering a new career in merchant services, you’ll want to model your job after Ralph rather than Darla. Make sure you pick a company that cares about your goals as much as you do. Shift provides equal opportunities to all who apply.

A career in merchant services is similar to being a sales specialist or sales consultant. Working with business owners both in person and on the phone is how you’ll invest your day.

You will get to spend some time in merchants’ stores installing both wired and wireless terminals.

With a career in merchant services, you can even help people in e-Commerce solutions get payment from their own customers.

Want to learn more about selling merchant credit card processing? Check out our Credit Card Processing Jobs post!

If you’re wondering, “Is selling merchant services a good job?”, it depends on who you’re selling services for. Here at Shift, our salespeople truly benefit from selling our merchant services. We believe that we are the best merchant services company to work for.

Other companies with merchant sales jobs can’t always say the same thing about their merchant service sales jobs. Careers at Chase, Bank of America, and many other institutions will be fine for people who don’t know better, but that’s not you anymore. You now know the answers to both, “What is merchant services?”, and, “How to sell credit card processing services to merchants”, and can put that knowledge towards selling for a company that believes in you.

You know that there’s much more money to be made by selling credit card processing, how to sell credit card processing, and how to begin selling merchant services that are easier to use and eliminates the fees for the business owner.

It’s time to choose a career where you get to truly help people and get paid handsomely for it. It’s time to choose a merchant services job that pays you your worth.

Ready to pursue a career in merchant services sales with Shift? Find out why we think we are one of the best credit card companies to work for. 

Learn more about all we have to offer, how to be successful in merchant services sales, and sign up today!

Leave a Comment: