What are the main factors that influence a Merchant Refund Manager's salary?

The primary factors are: 1) Experience Level, 2) Geographic Location, 3) Education/Skills, 4) Company Size & Industry

How does experience change A Merchant Refund Manager's salary?

A Merchant Refund Manager's salary grows with experience: a Merchant Chargeback/Fraud Detection Associate (1-3 years)earns $47,095, a Merchant Chargeback Analyst Sr. (2-4 years)earns $53,935, a Merchant Chargeback/Fraud Analysis Team Leader (4+ years)earns $62,775, a Fraud Monitoring and Detection Supervisor (3-5 years)earns $84,785, a Merchant Refund Manager (5+ years)earns $97,875,

What are the highest paying states for a Merchant Refund Manager?

Merchant Refund Manager salary varies significantly by state. The top 3 highest paying states for Merchant Refund Manager roles are District of Columbia $108,370, California $107,960, Massachusetts $106,520. These tech hubs typically pay 10-15% above the national average.

How much do different types of Merchant Refund Manager roles make?

Salaries for Merchant Refund Manager level roles vary by specialization: Sales Manager - Merchant Cards: $127,800; Merchant Services Sales Manager: $127,739; Merchant Success Manager: $126,172; Merchant Manager: $120,875; Merchant Chargeback Manager: $97,875.

How do different companies affect a Merchant Refund Manager's salary?

Company size, industry, and compensation structure create significant salary variations for Merchant Refund Manager roles. Large, established industry leaders like PayPal Inc ($125,704) and MUFG Americas Holding Corp ($121,485) offer base salaries 35-40% above the national average. In contrast, smaller firms or startups may offer closer to $94,129.

Merchant Refund Manager Salary in the United States

How much does a Merchant Refund Manager make in the United States?

As of September 01, 2026, the average salary for a Merchant Refund Manager in the United States is $97,880 per year, which breaks down to an hourly rate of $47.

However, a Merchant Refund Manager's salary can vary significantly. Here’s a look at the typical salary range:

Top Earners (90th percentile): $128,696
Majority Range (25th-75th percentile): $85,680 to $114,010
Entry-Level (10th percentile): $74,573

10% $74,573

50% (Median) $97,880

90% $128,696

Merchant Refund Manager Salaries by Percentile

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$114,010	$9,501	$2,193	$55
Average	$97,880	$8,157	$1,882	$47
25th Percentile	$85,680	$7,140	$1,648	$41

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Key Factors That Influence Merchant Refund Manager Salaries

A Merchant Refund Manager's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location and company size can directly affect your earning potential.

How Experience Level Affects Merchant Refund Manager Salaries?

Experience is a primary driver of a Merchant Refund Manager's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

Merchant Chargeback/Fraud Detection Associate (1-3 years): $47,095
Merchant Chargeback Analyst Sr. (2-4 years): $53,935
Merchant Chargeback/Fraud Analysis Team Leader (4+ years): $62,775
Fraud Monitoring and Detection Supervisor (3-5 years): $84,785
Merchant Refund Manager (5+ years): $97,875

Job Role	Years of Experience	Average Salary
Merchant Chargeback/Fraud Detection Associate	1-3 years	$47,095
Merchant Chargeback Analyst Sr.	2-4 years	$53,935
Merchant Chargeback/Fraud Analysis Team Leader	4+ years	$62,775
Fraud Monitoring and Detection Supervisor	3-5 years	$84,785
Merchant Refund Manager	5+ years	$97,875

View as Graph

How Do Merchant Refund Manager Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Merchant Refund Managers. For example, consider the average annual salaries in these key locations:

District of Columbia: $108,370.
California: $107,960.
Massachusetts: $106,520.

District of Columbia $108,370 California $107,960 Massachusetts $106,520 Washington $106,130 New Jersey $106,090 Alaska $105,950 Connecticut $104,600 New York $104,060

Hawaii $102,300 Rhode Island $101,480 Maryland $100,920 Minnesota $100,160 Colorado $99,870 Illinois $99,770 Oregon $99,400 Delaware $99,120

New Hampshire $98,950 Virginia $98,570 Pennsylvania $97,440 Nevada $96,870 North Dakota $96,690 Michigan $96,390 Wisconsin $96,280 Vermont $96,070

Texas $95,470 Maine $95,430 Arizona $95,370 Ohio $95,310 Georgia $94,410 Indiana $93,960 Wyoming $93,870 Utah $93,730

Iowa $93,670 Kansas $93,200 Louisiana $93,060 North Carolina $93,020 Missouri $93,000 Florida $92,610 Montana $92,410 Nebraska $92,210

Kentucky $92,110 South Carolina $91,710 Tennessee $91,470 Idaho $91,370 New Mexico $90,660 Oklahoma $90,500 Alabama $89,920 South Dakota $88,950

Arkansas $88,430 West Virginia $88,140 Mississippi $87,290

Top Paying Cities for Merchant Refund Managers

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

San Jose: $123,450
San Francisco: $122,100
Oakland: $119,530

San Jose, CA $123,450

San Francisco, CA $122,100

Oakland, CA $119,530

New York, NY $112,700

Paramus, NJ $111,330

Queens Village, NY $111,320

Passaic, NJ $111,230

Bergenfield, NJ $111,220

Stamford, CT $111,010

Huntington, NY $110,960

Newark, NJ $110,240

Bridgeport, CT $110,040

Vallejo, CA $109,840

New Brunswick, NJ $109,800

Petaluma, CA $109,740

Middlesex, NJ $109,560

Somerset, NJ $109,490

Santa Cruz, CA $109,360

Boston, MA $108,760

Monterey, CA $108,420

Seattle, WA $108,200

Santa Rosa, CA $108,180

Los Angeles, CA $108,150

Juneau, AK $107,890

Washington, DC $107,780

Orange, CA $107,440

Santa Ana, CA $107,180

Long Beach, CA $107,080

Anaheim, CA $107,060

Anchorage, AK $107,010

Santa Maria, CA $106,720

Everett, WA $106,700

Danbury, CT $106,350

Bremerton, WA $106,220

Tacoma, WA $105,870

New Suffolk, NY $105,860

Sacramento, CA $105,840

Santa Barbara, CA $105,730

Trenton, NJ $105,620

San Diego, CA $105,620

Brockton, MA $105,510

Fairbanks, AK $105,270

Lompoc, CA $105,020

Lowell, MA $104,950

Ventura, CA $104,930

Nashua, NH $104,910

Stockton, CA $104,900

Modesto, CA $104,180

Poughkeepsie, NY $103,970

Olympia, WA $103,780

Kennewick, WA $103,780

New Haven, CT $103,740

Lawrence, MA $103,390

Hartford, CT $103,290

Riverside, CA $103,270

New Bedford, MA $103,180

Richland, WA $103,180

Bakersfield, CA $103,040

San Bernardino, CA $103,000

New Britain, CT $102,990

Atlantic City, NJ $102,990

New London, CT $102,950

Norwich, CT $102,920

Portsmouth, NH $102,900

Boulder, CO $102,690

Portland, OR $102,560

Worcester, MA $102,550

Minneapolis, MN $102,250

Philadelphia, PA $102,110

Honolulu, HI $101,790

Saint Paul, MN $101,740

Vineland, NJ $101,720

Providence, RI $101,430

Chicago, IL $101,150

Bellingham, WA $101,030

Springfield, MA $100,950

Baltimore, MD $100,920

Chico, CA $100,680

Pittsfield, MA $100,410

Manchester, NH $100,230

Spokane, WA $99,800

Denver, CO $99,790

Albany, NY $99,330

Troy, NY $99,290

Nassau, NY $99,180

Schenectady, NY $99,080

Wilmington, DE $99,010

Burlington, VT $98,870

Salem, OR $98,830

Portland, ME $98,530

Yakima, WA $98,430

Rochester, MN $98,120

Reno, NV $98,080

Fresno, CA $98,080

Milwaukee, WI $97,990

Detroit, MI $97,890

Ann Arbor, MI $97,870

Allentown, PA $97,860

Colorado Springs, CO $97,690

Syracuse, NY $97,650

Carson City, NV $97,650

Houston, TX $97,510

Eugene, OR $97,460

Gary, IN $97,340

Springfield, OR $97,260

Bismarck, ND $97,240

Galveston, TX $97,180

Medford, OR $97,030

Fort Collins, CO $96,990

Concord, NH $96,940

Austin, TX $96,910

Mesa, AZ $96,710

Reading, PA $96,700

Phoenix, AZ $96,690

Dallas, TX $96,660

Saint Cloud, MN $96,560

Madison, WI $96,430

Utica, NY $96,170

Rochester, NY $96,010

Des Moines, IA $96,000

Raleigh, NC $95,990

Atlanta, GA $95,840

Battle Creek, MI $95,810

Salt Lake City, UT $95,790

Lancaster, PA $95,640

Harrisburg, PA $95,500

Kansas City, MO $95,400

Champaign, IL $95,380

Kansas City, KS $95,380

Fort Worth, TX $95,370

Columbus, OH $95,360

Boca Raton, FL $95,340

Pittsburgh, PA $95,300

Richmond, VA $95,260

Indianapolis, IN $95,240

Cleveland, OH $95,230

Las Vegas, NV $95,110

Cincinnati, OH $95,110

Petersburg, VA $94,960

Huntsville, AL $94,820

Lansing, MI $94,750

Lebanon, PA $94,740

Pueblo, CO $94,730

Appleton, WI $94,700

Buffalo, NY $94,660

Dayton, OH $94,630

Racine, WI $94,610

Charlotte, NC $94,600

Saint Louis, MO $94,570

York, PA $94,510

Elkhart, IN $94,510

Gastonia, NC $94,490

Billings, MT $94,470

Beaumont, TX $94,440

Lorain, OH $94,430

Benton Harbor, MI $94,410

Toledo, OH $94,390

Binghamton, NY $94,340

Rock Hill, SC $94,330

Rockford, IL $94,280

Springfield, IL $94,240

Elyria, OH $94,230

Fargo, ND $94,230

Flagstaff, AZ $94,160

Fort Lauderdale, FL $94,100

Duluth, MN $94,040

Miami, FL $94,040

Cheyenne, WY $93,970

Grand Forks, ND $93,970

Bangor, ME $93,760

Cedar Rapids, IA $93,650

Durham, NC $93,610

Louisville, KY $93,600

Grand Rapids, MI $93,580

Hialeah, FL $93,570

Casper, WY $93,440

Scranton, PA $93,320

New Orleans, LA $93,290

Virginia Beach, VA $93,280

Akron, OH $93,230

Peoria, IL $93,100

Sarasota, FL $93,080

Nashville, TN $93,020

Omaha, NE $93,020

Green Bay, WI $93,020

Baton Rouge, LA $92,970

Charleston, SC $92,950

Jamestown, NY $92,900

Davenport, IA $92,900

Tucson, AZ $92,850

Saint Petersburg, FL $92,790

Tampa, FL $92,770

Evansville, IN $92,710

Port Arthur, TX $92,710

Bradenton, FL $92,670

Santa Fe, NM $92,500

Orlando, FL $92,320

Clearwater, FL $92,290

Canton, OH $92,090

La Crosse, WI $92,090

Albuquerque, NM $92,030

Newport News, VA $92,020

High Point, NC $91,990

Ogden, UT $91,950

Corpus Christi, TX $91,870

Norfolk, VA $91,810

Laramie, WY $91,810

Rock Island, IL $91,750

Saginaw, MI $91,730

Jacksonville, FL $91,720

Salisbury, NC $91,700

Boise, ID $91,680

Moline, IL $91,640

Fort Myers, FL $91,610

Memphis, TN $91,590

Tulsa, OK $91,540

Waterloo, IA $91,480

Spartanburg, SC $91,380

Lincoln, NE $91,330

Fort Wayne, IN $91,310

Provo, UT $91,300

Cedar Falls, IA $91,190

San Antonio, TX $91,150

Greensboro, NC $91,110

South Bend, IN $91,100

Savannah, GA $90,990

Muskegon, MI $90,950

Birmingham, AL $90,940

Winston Salem, NC $90,890

Lake Charles, LA $90,660

Anderson, IN $90,640

Lexington, KY $90,610

Augusta, GA $90,580

Greenville, SC $90,580

Lima, OH $90,500

Wichita, KS $90,490

Tuscaloosa, AL $90,490

Columbia, SC $90,400

Springfield, OH $90,380

Asheville, NC $90,230

Bloomington, IN $90,160

Knoxville, TN $89,810

Shreveport, LA $89,800

Wilmington, NC $89,670

Roanoke, VA $89,670

Topeka, KS $89,490

Frankfort, KY $89,480

Oklahoma City, OK $89,410

Chillicothe, OH $89,370

Longview, TX $89,360

Melbourne, FL $89,360

Sioux Falls, SD $89,200

Mobile, AL $89,190

Terre Haute, IN $89,150

Altoona, PA $89,090

Amarillo, TX $89,020

Killeen, TX $88,990

Fayetteville, AR $88,910

Chattanooga, TN $88,890

Sioux City, IA $88,800

Idaho Falls, ID $88,780

Lynchburg, VA $88,700

Gainesville, FL $88,570

Portsmouth, OH $88,520

Little Rock, AR $88,500

Lafayette, LA $88,460

Youngstown, OH $88,460

Daytona Beach, FL $88,410

Clarksville, TN $88,400

Pensacola, FL $88,390

Temple, TX $88,380

Hopkinsville, KY $88,090

Erie, PA $88,070

Florence, SC $88,030

Charleston, WV $87,880

Great Falls, MT $87,830

Macon, GA $87,690

Tallahassee, FL $87,680

Fayetteville, NC $87,660

Waco, TX $87,640

Helena, MT $87,570

Pine Bluff, AR $87,540

Vincennes, IN $87,420

Lubbock, TX $87,380

Alamogordo, NM $87,320

Twin Falls, ID $87,230

Rapid City, SD $87,200

Jackson, MS $87,030

Greenville, MS $87,020

Huntington, WV $87,020

Parkersburg, WV $86,920

Montgomery, AL $86,900

Wichita Falls, TX $86,800

Springfield, MO $86,800

Biloxi, MS $86,750

Monroe, LA $86,650

Johnstown, PA $86,590

Sumter, SC $86,550

Columbus, GA $86,540

Pascagoula, MS $86,350

Abilene, TX $86,350

Kingsport, TN $86,100

Albany, GA $86,100

Gulfport, MS $86,070

Alexandria, LA $85,740

Fort Smith, AR $85,500

El Paso, TX $85,230

Las Cruces, NM $84,790

Harlingen, TX $84,550

Pocatello, ID $84,530

Florence, AL $84,400

Brownsville, TX $84,380

Mcallen, TX $84,180

Dothan, AL $84,040

Columbus, MS $83,460

Altus, OK $83,000

Lawton, OK $82,820

Pierre, SD $82,460

Merchant Refund Manager Salary by Company Size: Startups vs. Enterprise

Merchant Refund Manager salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $106,721. While startup companies pay approximate $90,115.

Merchant Refund Manager Salary by Company Size

Company Size	Employees	Average Salary
Startup	1~50	$90,115
Growth Stage	51~500	$95,354
Established	501~5000	$103,012
Enterprise	5000+	$106,721

Merchant Refund Manager Salary by Industry: Top Paying Sectors

For Merchant Refund Manager roles, the industry you choose can impact your earning potential by as much as 40% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Financial Services, offers compensation 20% above the average. Conversely, Merchant Refund Manager positions in Retail & Wholesale typically offer lower base pay, as this sector often view Merchant Refund Manager as a support function rather than a direct revenue driver.

The top paying industry for a Merchant Refund Manager

Industry Sector	Average Annual Salary	Average Hourly Rate	Pay vs.Avg
Financial Services	$117,456	$56.0	20%

Merchant Refund Manager Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how a Merchant Refund Manager's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

$85,680

Average $97,880/year

$114,010

$7,140

Average $8,157/month

$9,501

$1,648

Average $1,882/week

$2,193

$41

Average $47/hour

$55

	Annual Salary	Monthly Pay	Weekly Pay	Hourly Wage
75th Percentile	$114,010	$9,501	$2,193	$55
Average	$97,880	$8,157	$1,882	$47
25th Percentile	$85,680	$7,140	$1,648	$41

Salary Trends for Merchant Refund Manager

Salaries for a Merchant Refund Manager can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $125,180 in 2023 to around $123,396 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Merchant Refund Manager salary trends, .

Average Annual Salary of Merchant Refund Manager Over Time

$???
$125,180
$124,965
$123,396
$???
$???

2022
2023
2024
2025
2026
2027

Year	Average Annual Salary
2022	View More
2023	$125,180
2024	$124,965
2025	$123,396
2026	View More
2027	View More

Most common benefits for Merchant Refund Manager

Social Security
401 (k)
Disability
Healthcare
Pension
Time Off (days)

Common company salaries for Merchant Refund Manager

Here are companies hiring for Merchant Refund Manager and their salaries, click below for more details.

P $125,704/per year

PayPal Inc Financial Services the United States

M $121,485/per year

MUFG Americas Holding Corp Financial Services the United States

B $120,306/per year

Bloomberg LP Financial Services the United States

S $119,966/per year

Santander Holdings USA Inc Financial Services the United States

J $119,358/per year

JP Morgan India Private Ltd Financial Services the United States

M $118,491/per year

Mastercard International Inc Financial Services the United States

S $117,692/per year

Santander Bank, NA Financial Services the United States

I $115,310/per year

INTL FCStone Inc Financial Services the United States

T $111,455/per year

The Jordan Co Financial Services the United States

U $108,529/per year

US Bancorp Financial Services the United States

O $106,912/per year

OSI Group LLC Financial Services the United States

V $106,450/per year

Vanguard AG Financial Services the United States

R $106,297/per year

Rocket Companies Inc Financial Services the United States

T $105,841/per year

Transform SR Brands LLC Financial Services the United States

E $105,321/per year

Edward D Jones & Co. LP Financial Services the United States

K $103,337/per year

Kobe Steel Ltd Financial Services the United States

W $100,369/per year

Wells Fargo Clearing Services LLC Financial Services the United States

U $100,185/per year

US Bank Financial Services the United States

B $99,591/per year

Branch Banking and Trust Co Financial Services the United States

S $98,411/per year

somoscmi.com Financial Services the United States

B $97,291/per year

BBVA USA Bancshares Inc Financial Services the United States

G $96,699/per year

Greentown China Holdings Ltd Financial Services the United States

G $96,473/per year

General Motors Financial Company Inc Financial Services the United States

P $96,405/per year

Principal Financial Services Inc Financial Services the United States

S $94,129/per year

Synchrony Bank Financial Services the United States

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FAQ about Merchant Refund Manager

1. What industry pays the highest salary for Merchant Refund Manager?

The Financial Services industry offers the highest average compensation for Merchant Refund Manager roles, with salaries approximately 20% above the market median.

Where Does Our Salary Data Come From?

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Merchant Refund Manager Salary in the United States

How much does a Merchant Refund Manager make in the United States?

Key Factors That Influence Merchant Refund Manager Salaries

How Experience Level Affects Merchant Refund Manager Salaries?

How Do Merchant Refund Manager Salaries Vary from State to State?

Top Paying Cities for Merchant Refund Managers

Merchant Refund Manager Salary by Company Size: Startups vs. Enterprise

Merchant Refund Manager Salary by Company Size

Merchant Refund Manager Salary by Industry: Top Paying Sectors

The top paying industry for a Merchant Refund Manager

Merchant Refund Manager Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Salary Trends for Merchant Refund Manager

Average Annual Salary of Merchant Refund Manager Over Time

Most common benefits for Merchant Refund Manager

Common company salaries for Merchant Refund Manager

Find Your Next Merchant Refund Manager Job

For Employees

For Employers

FAQ about Merchant Refund Manager

1. What industry pays the highest salary for Merchant Refund Manager?

Where Does Our Salary Data Come From?

Are you an HR manager or compensation specialist?

Merchant Refund Manager Salary in the United States

How much does a Merchant Refund Manager make in the United States?

Key Factors That Influence Merchant Refund Manager Salaries

How Experience Level Affects Merchant Refund Manager Salaries?

How Do Merchant Refund Manager Salaries Vary from State to State?

Top Paying Cities for Merchant Refund Managers

Merchant Refund Manager Salary by Company Size: Startups vs. Enterprise

Merchant Refund Manager Salary by Company Size

Merchant Refund Manager Salary by Industry: Top Paying Sectors

The top paying industry for a Merchant Refund Manager

Merchant Refund Manager Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Salaries of Jobs related to Merchant Refund Manager

Salary Trends for Merchant Refund Manager

Average Annual Salary of Merchant Refund Manager Over Time

Most common benefits for Merchant Refund Manager

Common company salaries for Merchant Refund Manager

Find Your Next Merchant Refund Manager Job

For Employees

For Employers

FAQ about Merchant Refund Manager

1. What industry pays the highest salary for Merchant Refund Manager?

Where Does Our Salary Data Come From?

Are you an HR manager or compensation specialist?