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As of August 01, 2026, the average salary for a Merchant Services Representative in Kentucky is $52,773 per year, which breaks down to an hourly rate of $25.
However, a Merchant Services Representative's salary can vary significantly. Here’s a look at the typical salary range:
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Merchant Services Representative Salaries by Percentile
| Annual Salary |
Monthly Pay |
Weekly Pay |
Hourly Wage |
|
| 75th Percentile | $56,089 | $4,674 | $1,079 | $27 |
| Average | $52,773 | $4,398 | $1,015 | $25 |
| 25th Percentile | $47,054 | $3,921 | $905 | $23 |
Holiday Inn Express Hotel & Suites Richwood - Walton, KY
City National Bank of WV - Ashland, KY
Legends - Highland Heights, KY
World Acceptance Corporation - Pikeville, KY
A Merchant Services Representative'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.
Experience is a primary driver of a Merchant Services Representative'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:
| Levels | Salary |
|---|---|
| Merchant ... Level Merchant Services Representative | $53,965 |
| Merchandi... Level Merchant Services Representative | $79,742 |
| Merchandi... Level Merchant Services Representative | $81,526 |
| Merchandi... Level Merchant Services Representative | $111,793 |
| Merchandi... Level Merchant Services Representative | $147,155 |
What Am I Worth?
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 Services Representatives. For example, consider the average annual salaries in these key locations:
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:
For Merchant Services Representative roles, the industry you choose can affect earning potential by as much as 80% (the gap between the highest and lowest paying industries). Data shows that the MFG Durable and Construction sectors offer the strongest compensation, at 40% above the average. In contrast, Merchant Services Representative positions in MFG Nondurable or Edu., Gov't. & Nonprofit typically offer lower base pay, as these industries often view Merchant Services Representative as a support function rather than a direct revenue driver.
| Industry Sector | Average Annual Salary | Average Hourly Rate | Pay vs.Avg |
|---|---|---|---|
| MFG Durable | $73,883 | $36.0 | 40% |
| Construction | $68,605 | $33.0 | 30% |
| Internet | $65,967 | $32.0 | 25% |
| Aerospace & Defense | $63,328 | $30.0 | 20% |
| Hospitality & Leisure | $60,689 | $29.0 | 15% |
Understanding how a Merchant Services Representative'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.
| Annual Salary | Monthly Pay | Weekly Pay | Hourly Wage | |
|---|---|---|---|---|
| 75th Percentile | $56,089 | $4,674 | $1,079 | $27 |
| Average | $52,773 | $4,398 | $1,015 | $25 |
| 25th Percentile | $47,054 | $3,921 | $905 | $23 |
Ready to take the next step in your career? Browse thousands of current Merchant Services Representative job openings on our job board. Use the search bar below to find your perfect match.
World Acceptance Corporation
Shelbyville, KY
World Acceptance Corporation | Shelbyville, KY
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World Acceptance Corporation
Owensboro, KY
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