Senior Payments Processing Engineer

Employment: Full-time Experience: Mid-Senior level At SPD Technology, we bring together a team of like-minded people who are driven by the desire to bring value through their work, united in their commitment to high performance and delivering custom, cutting-edge tech solutions that drive clients' growth. We empower our people with a culture of excellence, and enable them with the opportunity to uphold their accountability to contribute on each level. We value humanity and collaboration, encourage professional and personal growth, and foster a supportive and flexible work environment where everyone's contribution is welcomed. We are looking for Senior Payments Processing Engineer to join us as part of our team About the role 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. 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, not a side experiment 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 — you can design a schema whose invariants make an inconsistent ledger structurally difficult. 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 — in payments, plausible-looking code that is subtly wrong is the expensive kind. 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 Join the team of experts who create custom, cutting-edge tech solutions for world-renowned businesses, fueling clients growth. Unleash your potential, tackle new challenges, and be part of a team that values your skills and contributions. Focus on long-term impact and building tailored, long-lasting partnerships with our clients. Experience an agile and flexible working environment 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. Embrace the opportunity for personal and professional growth Take advantage of performance review and career path. Elevate your skills with mentorship program, personal development plan, and individual learnings through the corporate library, public speaking support, and more. Feel cared about Be among like-minded people and feel supported with collaboration, open communication and mutual respect. Join company-wide tech and cultural events, and contribute to meaningful CSR initiatives that resonate with your values. Interview steps Interview with Recruiter Technical Interview Client Interview.