The Payments Sales Engineer is the technical lead for pre-sales payments opportunities. This role partners closely with the Payments Sales Consultant to run technical discovery, uncover a customer’s payments infrastructure and integration requirements, and translate that discovery into clear scope and implementation-ready documentation. The objective is to remove ambiguity from the sales process, answer implementation-related questions with confidence, and deliver clean handoffs to the Implementation team so customers can launch quickly with fewer surprises.
Key Responsibilities:
- Own technical discovery for payments opportunities to understand the customer’s current payments stack, workflows, and constraints.
- Ask sharp, structured questions to uncover integration requirements across payment flows, tokenization, security/compliance, reporting/reconciliation, and exceptions (declines, disputes, returns).
- Translate discovery into clear requirements and scope documents (assumptions, dependencies, risks, acceptance criteria) in partnership with the Payments Sales Consultant.
- Lead customer-facing technical solutioning conversations, explaining implementation options and tradeoffs in plain language.
- Produce implementation-ready handoff artifacts and coordinate with the Implementation team to confirm scope, milestones, and readiness.
- Support pre-launch testing and early go-live troubleshooting as needed to ensure a smooth transition from sale to delivery.
Required Skills and Qualifications:
- 5+ years in a customer-facing technical role (Sales Engineer, Solutions Consultant, Implementation Consultant, Technical Account Manager, or similar) supporting complex B2B solutions.
- Strong payments infrastructure fundamentals: gateways, processors/acquirers, sponsor banks, payment facilitator concepts; card + ACH rails; authorization/settlement; disputes/chargebacks at a working level.
- Demonstrated ability to lead technical discovery: map current-state architecture and workflows, identify constraints, and surface clear integration requirements.
- Proven ability to produce implementation-ready scope and requirements documentation (assumptions, dependencies, risks, acceptance criteria) and hand it cleanly to delivery teams.
- Working understanding of risk and fraud controls commonly used in payments ecosystems (monitoring, rules, velocity controls, identity signals, return/chargeback workflows) and where those tools sit in the stack.
- Strong technical communication: able to run deep-dive calls, explain tradeoffs, and tailor explanations for both technical and non-technical stakeholders.
Preferred Skills & Experience:
- Experience selling into collections, consumer finance, or lending environments.
- Familiarity with text-to-pay / SMS engagement and the compliance expectations that come with regulated communications.
- Experience with service fee / convenience fee models (or adjacent pricing constructs) and customer-facing positioning.
- Direct experience working with payment partners (processors, gateways, ISOs, sponsor banks) and navigating onboarding/implementation dependencies.
General Duties and Expectations:
- Adhere to the Company's Code of Conduct/Ethics.
- Create and maintain effective working relationships with other Company
- Contribute to the professional culture within the office and the company
- Project a professional and appropriate Company image in all dealings with clients, vendors, business partners and visitors.
- Support the efforts of senior management and sales staff by maintaining business network of contacts as clients change roles and/or companies.
- Ability to travel up to 25% as needed
- Ensure security of information in all matters pertaining to company, client, and consumer information.
- Contribute to the professional culture within the office and the company
About Solutions by Text
Solutions by Text (SBT) was founded with the mission to deliver impactful conversational messaging and convenient payment solutions. Built on wireless carrier industry best practices, SBT is the only compliance-first provider of enterprise texting solutions in the market. More than 1,400 consumer finance organizations, including leading brands in auto finance, banking and lending, trust SBT to ensure convenient, effective, and compliant relationships with their millions of consumers. SBT is headquartered in Princeton. NJ with remote teams and offices throughout the United States.
Game-changing Technology Built for Growth
Solutions By Text (SBT) is changing the way highly regulated businesses engage, interact and transact with customers via their mobile devices. Since adding its first customer, SBT has quickly become the leading text provider to consumer finance companies and various other regulated industries. Recognized as part of the Inc. 5000 fastest growing companies as well as Best Places to Work, SBT continues to evolve and expand through the addition of great employees who desire an exciting, collaborative culture.
Solutions By Text is committed to promoting the values of diversity and inclusion throughout the business. Whether it is through recruitment, retention, career progression or training and development, we are committed to improving opportunities for people regardless of their background or circumstances.
Top Skills
What We Do
Solutions by Text (SBT) is the pioneer of FinText(™), empowering consumer finance companies to engage, interact and transact with their consumers in real time. SBT has provided compliance-first conversational messaging solutions since 2008 and is reimagining text and payments to create a seamless and optimized bill pay experience for companies and their consumers.
Why Work With Us
We are a compliance-first company pioneering rich and real-time communications and textpay that helps our customers navigate the complexities of highly regulated industries. We are passionate about fostering trusted connections with our customers, our customers’ consumers and our employees.
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