Inbound Sales Specialist — Merchant Services & Payment Solutions

HireOn · Lahore, Lahore District; Punjab, Pakistan

Position : Inbound Sales Specialist — Merchant Services

Office : Valencia Town, Lahore (office-based role: Mon to Fri)
Employment Type : Full-Time
Industry : Fintech / Merchant Services / Payment Processing

Payment Circle helps small and growing online businesses connect with suitable merchant accounts, payment gateways, virtual terminals, ACH/eCheck solutions, recurring billing tools, and other payment technologies through our processing partners. We work with businesses across e-commerce, SaaS, subscriptions, digital services, professional services, health and wellness, travel, online education, and other online industries. We are looking for an experienced and confident Inbound Sales Specialist who can speak with business owners, understand their payment-processing requirements, explain available solutions clearly, and move qualified opportunities toward application and onboarding.

Key Responsibilities

• Handle inbound calls, website leads, consultation requests, and warm prospects.
• Speak directly with business owners and decision-makers.
• Understand the merchant's business model, industry, processing volume, average ticket, current processor, chargeback history, recurring-payment requirements, and payment flow.
• Explain merchant accounts, payment gateways, virtual terminals, ACH/eCheck, recurring billing, invoicing, API integrations, and related solutions in simple business language.
• Compare available payment-processing options and help identify the most appropriate solution based on the merchant's requirements.
• Explain differences between processors, gateways, pricing structures, integrations, underwriting requirements, and available features without making unauthorized guarantees.
• Review a merchant's current processing arrangement and identify potential opportunities related to pricing, technology, support, payment acceptance, or scalability.
• Clearly communicate pricing structures such as interchange-plus pricing, transaction fees, gateway fees, monthly fees, and custom pricing.
• Educate prospects about underwriting and required documentation.
• Qualify leads before submitting them to the onboarding/underwriting team.
• Follow up with prospects by phone, email, SMS, and CRM.
• Collect required information such as website, monthly processing volume, average transaction size, processing statements, business history, and current payment setup.
• Maintain complete CRM notes after every interaction.
• Work closely with underwriting and operations to determine the appropriate processing partner for each opportunity.
• Follow up on pending applications and maintain communication with merchants until onboarding is complete.
• Build long-term relationships rather than focusing only on a one-time sale.
• Consistently meet conversion, follow-up, application, and activation targets.

What We Expect You to Understand

• Merchant accounts
• Online payment processing
• Card-not-present transactions
• Payment gateways
• Virtual terminals
• ACH/eCheck
• Recurring and subscription payments
• E-commerce payment processing
• Interchange-plus pricing
• Processing statements
• Chargebacks and disputes
• Fraud and risk considerations
• Payment processor underwriting
• PCI compliance
• APIs and payment integrations
• SaaS or subscription billing
• Experience with platforms or processors such as NMI, Authorize.net, Paysafe, PAYARC, Nexio, Kurv, Clover, Stripe, Square, PayPal, Shopify Payments, or similar payment platforms is highly valuable.

Required Skills

• Strong spoken and written English.
• Excellent phone communication and listening skills.
• Ability to communicate confidently with U.S. business owners.
• Strong consultative-sales ability.
• Ability to ask the right qualification questions instead of simply reading a script.
• Strong understanding of B2B sales.
• Ability to explain technical or financial concepts in simple language.
• Strong objection-handling skills.
• Professional follow-up discipline.
• CRM experience.
• Ability to manage multiple leads simultaneously.
• Good judgment regarding when a merchant opportunity should be escalated to underwriting or management.

Preferred Experience

• 2+ years of inbound or consultative sales experience.
• Previous merchant-services, fintech, SaaS, banking, financial-services, or B2B technology sales experience strongly preferred.
• Experience selling to U.S. businesses is highly desirable.
• Proven history of converting inbound leads into applications or customers.