Senior Payments Processing Engineer

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We are looking for Senior Payments Processing Engineer to join us as part of our team

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. The platform handles payment orchestration, transaction processing, settlement and reconciliation, payouts, fraud and KYC integrations, and complex failure scenarios across systems that the team does not fully control.

This role is a strong fit for an engineer who understands how money actually moves through payment systems and is comfortable owning critical backend flows end to end.

• 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.

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

Work fully remote around the globe, or in a hybrid work model from our office hubs which are equipped with everything needed for comfortable work. Enjoy a flexible working schedule and create work and rest balance for yourself. Empower yourself with a stable workload and a stable income, focusing on lasting cooperation and high-performance culture.

• 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, not a side experiment

• 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.