Senior Software Engineer Payments
You will build and maintain reliable payment-processing services for card and alternative payment methods. You will develop integrations, reconciliation pipelines, reporting and alerting, fraud and dispute workflows, and secure compliant payment-data systems. You will participate in incident response, code reviews, architecture discussions, and mentor junior engineers.
Responsibilities
- Implement and maintain services for card authorization, clearing, and settlement workflows
- Build integrations with acquiring banks, card networks, payment gateways, fraud providers, tokenization services, and alternative payment methods
- Implement payment routing, retry, failover, idempotency, and state-management mechanisms
- Support 3D Secure, Strong Customer Authentication, card vaulting, and tokenization
- Build automated reconciliation pipelines and reconcile internal ledgers against external reports
- Develop safeguards for revenue leakage, ledger consistency, audit readiness, and financial controls
- Build payment reporting, dashboards, monitoring, and threshold-based alerting
- Participate in on-call rotations and incident response
- Build compliant systems for sensitive payment data and support audits
- Integrate fraud detection and risk scoring systems and implement chargeback workflows
- Write well-tested and documented code, participate in reviews and architecture discussions, and mentor junior engineers
Requirements
- 5+ years of software engineering experience with PHP and Go
- At least 2 years of production payment-processing experience
- Experience with card authorization, clearing, settlement, reconciliation, and chargebacks
- Experience integrating with alternative payment providers
- Understanding of card-network models, interchange, BIN logic, MCC codes, AVS, CVV, and 3DS/SCA
- Understanding of distributed systems, idempotency, eventual consistency, fault tolerance, and high availability
- Proficiency with RESTful or event-driven APIs in a payments context
- Familiarity with PCI DSS and payment-data security
- Debugging and incident-response skills for high-volume financial systems
Benefits
- Unlimited Flexible Time Off