[Hiring] Senior Payments Processing Engineer @SPD Technology

Role Description

As a Senior Payments Processing Engineer you will join a product team building payment infrastructure for merchants and partner platforms. The platform enables businesses to accept payments, manage payouts, process card and bank transactions, and handle payment-related operations without relying on multiple disconnected providers.

The engineering challenges go far beyond basic payment integrations:

• Handles payment orchestration, transaction processing, settlement and reconciliation, payouts, fraud and KYC integrations, and complex failure scenarios.
• Comfortable owning critical backend flows end to end.

Tech Stack

• TypeScript across the board, in a pnpm monorepo
• NestJS backend services; Next.js and React on the front end
• PostgreSQL, with SQL-first data modeling and versioned migrations
• Event-driven service orchestration, webhooks, and idempotent processing
• Acquirer and vendor integrations for card/ACH acceptance, fraud screening, payouts, and KYC
• Managed cloud infrastructure, containerized services, CI/CD on GitHub
• AI-assisted development as a standard part of the toolchain

Work environment

• Full-time, remote. Daily collaboration with a US-based team (4–6 hours of overlap with US Central Time is required)

As a qualified expert You will

• Own end-to-end payment flows in TypeScript/NestJS services: authorization, capture, void, refund, dispute handling, and payout initiation and confirmation.
• Build and maintain acquirer and processor integrations, keeping the platform acquirer-agnostic behind clean internal abstractions.
• Design embedded and hosted checkout experiences (hosted fields, iframes, tokenization) that keep sensitive cardholder and bank data out of internal systems and minimize PCI scope.
• Implement fee calculation and rate logic, including tiers, interchange-plus, flat structures, rounding rules, special rates, and edge cases.
• Build the reconciliation and settlement layer to match processor reports and settlement files against internal records and surface breaks.
• Design event handling incorporating idempotency keys, out-of-order and duplicate webhooks, retries with backoff, and state machines.
• Integrate fraud, bank-account verification, and KYC providers, tuning decisioning against real outcomes.
• Handle ACH mechanics including submission windows, returns, return codes, NOCs, and retry rules.
• Ensure correctness in the domain, maintaining complete audit trails and producing reconciliation evidence.
• Act as the team's payments expert, advising product on rail capabilities and reviewing payment-adjacent code.

What Success Looks Like

• First 30 days — you can trace any transaction through the platform end to end, and you have documented the gaps and risks you see in current flows.
• First 90 days — you own a critical payment domain including its specs, tests, and reconciliation checks, and you have shipped a meaningful improvement to reliability or correctness.
• First 6 months — payment orchestration in your area is provably correct and observable, adding a new processor or payout rail is a well-understood exercise rather than an adventure, and you are the person the team and the business rely on for payments judgment.

We're looking for you if you have

• 6+ years building production software, with at least 3 years hands-on in payments, and direct ownership of live payment flows.
• Concrete experience integrating a payment processor, gateway, or acquirer (Adyen, Stripe, Braintree, Worldpay, Checkout.com, Fiserv, or similar) beyond a starter integration — including webhooks, reporting, and edge-case handling.
• Practical understanding of the card lifecycle (auth, capture, settlement, refund, chargeback, representment) and of ACH/bank rails (NACHA basics, returns, timing).
• Working knowledge of PCI DSS obligations and of the architectural patterns that reduce scope: tokenization, hosted fields, iframe isolation, and data-flow segregation.
• Strong TypeScript/Node.js skills and solid relational data modeling.
• A rigorous approach to reconciliation and idempotency, informed by having been on the hook when something didn't balance.
• Fluency with modern AI-assisted development tooling, paired with the discipline to verify.
• Strong English communication skills and confidence working directly with a US-based team.
• Ability to work with 4–6 hours of daily overlap with US Central Time.

Bonus points

• Experience with platform, marketplace, or facilitator models (split payments, sub-merchant onboarding, multi-party flows).
• Experience with payouts and disbursement rails, including bank-account collection, verification, and payout status handling.
• Experience with fraud and risk tooling, and bank-account validation services.
• Experience with e-commerce plugin or SDK development (WooCommerce, Shopify, Magento).
• Knowledge of multi-currency, cross-border, or alternative payment methods.
• Experience with event sourcing applied to financial state, and double-entry ledger design.

What's in it for You

• Reveal great tech solutions and join a team of experts who create custom, cutting-edge tech solutions for world-renowned businesses.
• Experience an agile and flexible working environment, working fully remote or in a hybrid model.
• Embrace the opportunity for personal and professional growth with performance reviews and mentorship programs.
• Feel cared about among like-minded people with open communication and mutual respect.

Interview steps

• Interview with Recruiter
• Technical Interview
• Client Interview