Merchant

More Money (Specialty): Earn 1.5 times more money after a battle. This stacks with items that boost earnings but does not stack for multiple characters with this ability. This makes Merchant a worthwhile job to train, and can later be combined with the Golden Egg to obtain 3 times the money.

Pay to Play (Level 1): Spend (the user’s Level x 50) pg to increase a character’s critical rate by 300% for 4 turns (up to a maximum of 500%). Critical hits deal double damage, making this a decent way of boosting physical damage output if you have cash to spare. Use it with katanas or other weapons with high critical rate for convincing results.

White Knight (Level 2): A support ability that costs 1 slot. The highest HP ally sustains a single-target physical attack for the user when the user’s HP is below 20%. This is great for protecting your Merchant or healer until you get the Knight’s Protect Ally, and can be abused against foes who only use single-target attacks.

Pharmacy (Level 3): A command ability with no cost. Spend pg to purchase a recovery item and immediately use it on a character. You can buy Potions, Hi-Potions, X-Potions, Ethers, Turbo Ethers, Phoenix Downs, and Remedies. This is perfect if you’ve run out of items in the middle of a dungeon. If you have the Patissier’s Items for All, these items will affect all party members too.

Salesman (Level 4): A command ability with no cost. Make an enemy buy a consumable item for 2.4 times the normal selling price. The chance of success depends on the item. Selling an item at a shop gives you 25% of the item’s original value; with Salesman, you’re effectively getting 60% of the item back, which isn’t bad, especially if you obtained the item for free.

More Money (Level 5): A support ability that costs 1 slot. Earn 1.5 times more money after a battle. Stacks with items that boost earnings, but does not stack for multiple characters with this ability. This allows you to earn additional pg without being in the statistically unspectacular Merchant job.

Hedge Risk (Level 6): A command ability with no cost. The user receives half damage for 5 turns by spending money equal to half the damage. This is a novel, but potentially very expensive, way of reducing damage and allowing characters to survive hits they normally couldn’t sustain. In most cases, it is better to save your money and boost your party’s defences instead.

Takeover (Level 7): A command ability with no cost. Spend (the user’s Level x 50) pg to damage one enemy an amount equal to the pg spent. Normally, you can achieve a maximum of 4950 damage by spending 4950 pg. Under most circumstances, it’s not really needed, but can be useful for bypassing Default and/or the enemy’s defences.

BP Drink (Level 8): A command ability with no cost. Spend pg to buy a BP recovery item and immediately use it on a character. 1,000 pg grants 1 BP, 10,000 pg grants 2 BP, and 100,000 pg grants 3 BP. If money is not an issue, this is a quick way of gaining additional BP. It does not stack with Items for All.

Big Pharma (Level 9): A command ability with no cost. Restore an enemy’s HP and receive pg equal to the HP recovered. The pg obtained is capped at 99,999 pg per battle, and the cap resets during consecutive battles. The healing power is equivalent to Cure. With enough effort and the right setup, you can rake in a fair amount of pg by leaving your game on Auto-Battle for a while, though the pg you can acquire is capped unlike in Bravely Default.

Payoff (Level 10): A command ability with no cost. Spend money to buy off the enemy and immediately end the battle. You still acquire pg, experience, JP, and items as per normal. This works but is probably only worth trying once for laughs. No enemy cannot be defeated with a little effort, and bosses require a gazillion amount of pg to buy off.

Insurance (Level 11): A support ability that costs 2 slots. Upon taking damage from enemy attacks, receive pg equal to half the damage received. The pg obtained is capped at 99,999 pg per battle, and the cap resets during consecutive battles. This is a passive and pretty efficient way of earning more pg, especially towards late-game when enemies hit harder, assuming you let them hit you in the first place.