Rate Structure Analyst

About SpotOn

We’re not just building restaurant tech—we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.

• Named the #1 Restaurant POS by G2 (Fall 2025), based on ratings from real users

• Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users

• Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running

We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, SpotOn is the place for you.

As a Rate Structure Analyst, you will manage complex pricing cases, escalations, and strategic retention efforts for high-value merchant accounts. Building on foundational pricing expertise, you will perform in-depth financial analyses, develop tailored pricing strategies, and drive account retention and ARR growth. You will collaborate cross-functionally, act as a subject matter expert on compliant pricing structures, and support VIP/Strategic Accounts, often serving as the final escalation point for pricing concerns.

This is a hybrid position 3x/week in our Royal Oak, MI office.

Essential Functions:

• Analyze and resolve complex rate change cases and escalations to ensure client retention and satisfaction.

• Perform break-even, ARR, and GPV analyses to inform competitive, compliant pricing strategies.

• Guide Account Executives and Client Success Managers on pricing approaches for high-risk or high-value accounts.

• Communicate pricing decisions and rationale clearly to internal teams and clients.

• Identify accounts at risk due to pricing or competitive pressures and implement mitigation strategies.

• Serve as an expert on Dual Pricing, Surcharge models, and other compliant pricing structures.

• Collaborate with Finance, Underwriting, and Compliance to align rate changes with business objectives and risk mitigation.

• Contribute to refining pricing protocols, guardrails, and guidelines based on trends and data insights.

• Lead or participate in pricing-related projects and initiatives.

• Maintain accurate records of pricing decisions, case outcomes, and client communications.

• Manage a high-volume pricing caseload with a focus on strategic impact and timely resolution.

• Deliver high-quality, accurate work and outcomes by consistently adhering to documented processes, including Standard Operating Procedures (SOPs), Service Level Agreements (SLAs), and checklists.

• Review and verify outcomes before submission to maintain consistency and high-quality standards.

• Identify and address process gaps or errors to drive continuous improvement and operational excellence.

Qualifications:

Research shows that women and members of underrepresented groups tend to apply to roles only when they check every box on a job description. We encourage you to apply if you meet the majority of qualifications and if this role is aligned with your career trajectory.

• Deep expertise in merchant processing, pricing structures, and profitability metrics.

• Strong knowledge of Dual Pricing, Surcharge, and compliance regulations.

• Skilled in analyzing merchant statements and competitor pricing to optimize rates.

• Proficient in Salesforce, Excel, and internal margin calculators.

• Strong business acumen and analytical skills for data-driven decision-making.

• Excellent negotiation, written, and verbal communication skills.

• Highly organized, deadline-driven, and capable of managing a high volume of cases independently.

• Familiarity with POS systems and restaurant operations preferred.

• Strong interpersonal skills and emotional intelligence for sensitive client and internal interactions.

• Proven depth of experience in rate analysis, pricing strategy, or account retention within merchant services, payments, SaaS, or fintech environments.

• Demonstrated success managing pricing escalations and high-stakes client negotiations.

• Experience with VIP or Strategic Accounts, ideally in B2B or restaurant technology contexts.

• Expertise in reviewing merchant processing statements and profitability metrics.

• Proficiency using Salesforce or similar CRMs, with advanced Excel and analytical tool capabilities.

Benefits:

At SpotOn, we put people above everything else. We’re known for our innovative software and technology solutions, but we stand out because of the hard-working humans behind the tech. We can’t take care of our clients without taking care of our employees first, and that’s why we invest in you with a competitive benefits package which includes:

• Medical, Dental and Vision Insurance

• 401k with company match

• RSUs

• Paid vacation, 10 company holidays, sick time, and volunteer time off

• Employee Resource Groups to build community and inclusion at work

• Monthly cell phone and internet stipend

• Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development

Compensation:

• The hourly pay for this role ranges from $22.00 - $25.00 per hour. Offers will be reflective of the candidates location and experience.

• Please note the pay range listed is just one component of a competitive compensation package which includes a company stock plan

• Offers will be reflective of the candidate’s location and experience.

SpotOn is an equal employment opportunity employer. Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.

SpotOn is an e-verify company.