Merchant Onboarding Specialist

This role’s focus is to support merchants during the pre-submission stage of onboarding with payment partners.

The main responsibility of this role is to help clients become ready for submission to PSPs, acquirers, APM providers, gateways, and other payment partners. The Merchant Onboarding Specialist will review the merchant’s product, website/app, business model, customer journey, pricing, policies, subscription flow, refund flow, and other public-facing elements against the acceptance criteria of payment partners.

This is not a KYB/KYC documentation role, not a formal compliance approval role, and not a technical integration role. The company acts as an advisory, while final underwriting and approval decisions remain with the payment partner.

A strong fit would be someone with experience in merchant underwriting, merchant risk review, merchant onboarding, compliance operations, or payment partner approval processes at a PSP, acquirer, gateway, payment platform, payment facilitator.

Key Responsibilities

• Support merchants during the pre-submission stage of onboarding with payment partners.

• Review merchant websites/apps from a payment partner readiness perspective.

• Understand the merchant’s product, business model, vertical, pricing, customer journey, payment flow, subscription model, refund flow, and risk profile.

• Identify gaps that may cause avoidable questions, delays, pushbacks, or rejection from PSPs/acquirers/APMs.

• Help merchants correct business, product, website, policy, and public-facing information before submission.

• Translate payment partner acceptance criteria into clear, practical action points for merchants.

• Prepare merchant readiness summaries and action plans.

• Track merchant onboarding statuses, blockers, required changes, deadlines, and next steps.

• Use existing internal templates and partner acceptance criteria, while helping improve them based on real cases.

• Escalate complex, borderline, high-risk, or partner-sensitive cases to the Head of Department.

• Coordinate with internal teams where needed.

• Communicate with payment partners mainly for introductions, clarification of acceptance criteria, or occasional readiness-related questions.

• Help reduce avoidable partner pushbacks caused by weak preparation before submission.

• Responsible for the successful end-to-end onboarding cycle of our merchants with acquirers/PSP/other partners.

The role is focused on merchant readiness before submission, not formal KYB/KYC review.

Requirements

Must-Have Requirements

• Relevant experience in payments, fintech, PSP/acquiring, gateway, payment orchestration, payment operations, merchant onboarding, underwriting, risk review, or compliance operations.

• Understanding of how PSPs, acquirers, APMs, or payment partners assess merchants before approval.

• Ability to review merchant websites/apps and identify obvious readiness gaps.

• Understanding of common onboarding blockers, such as unclear business model, weak policies, misleading pricing, missing contact information, unclear refund terms, weak cancellation flow, restricted content, or high-risk vertical concerns.

• Strong business English.

• Strong written and verbal communication.

• Ability to explain difficult feedback to merchants constructively.

• Ability to work quickly and accurately.

• Strong attention to detail.

• Ability to maintain onboarding trackers, statuses, action points, and follow-ups.

Nice-to-Have

• Experience with high-risk or complex merchants.

• Experience reviewing subscription flows, trial pricing, refund policies, cancellation terms, and checkout flows.

• Understanding of card scheme / acquirer / PSP policy expectations.

• Experience preparing merchant applications or readiness summaries.

• Experience improving onboarding checklists or templates.

• Experience working with partner acceptance criteria.

Conditions

We know that great talent deserves great conditions, so here's what you can expect when joining us:

• We also accept applications from candidates outside Cyprus (remote agreement) & candidates who are willing to relocate to Cyprus.

• EU-based employment contract.

• Transparent performance reviews twice a year, with bonus opportunities and salary adjustments.

• Private medical insurance for you and your family, a corporate mobile plan (unlimited in Cyprus with roaming included), and interest-free support for car purchases.

• Mindfulness & well-being support, including psychological assistance with 50% coverage.

• 50% coverage of school and kindergarten fees for your children.

• Fully covered sports benefits, and also access to in-house electric scooters and bike rentals.

• Investment in your growth: paid language courses and access to suited-for-you development programs, including conferences, training programs, and coaching to support your professional journey.

• A culture of recognition: a peer reward program to celebrate your contributions.

• A fully equipped office in Limassol, with everything you need for deep work and collaboration.

• Free catering in the office and an in-house coffee bar with high-quality drinks and a health bar stocked with nutritious snacks.

• A strong engineering culture: international teams, corporate events, team buildings, and hackathons—because great work happens in great communities.

Recruitment process

• HR Interview

• Online Interview with Hiring Manager