Software Engineer - payments

Location: New York, NY or Denver, CO

Salary: $200K - $300K + Highly competitive equity

Industry: Fintech / Payments

Who you'll join

A Series A-stage fintech building global payment and account infrastructure for banks, platforms, and marketplaces. The product sits at the intersection of local fiat rails and blockchain-based settlement, letting businesses receive, store, convert, and send money across borders faster and cheaper than traditional alternatives. ARR has grown 20-50% month over month for the last five months, with annualised payment volume exceeding $2 billion.

What you'll do

1. Architect acquirer integration covering authorization, capture, void, refund, 3DS, and settlement flows.
2. Design PCI-compliant tokenization, vaulting, and checkout surfaces to minimize card data scope.
3. Build payment orchestration abstractions that support multiple networks, acquirers, and geographies.
4. Develop chargeback, dispute, and fraud signal pipelines including evidence submission and representment.
5. Design idempotent, auditable workflows across card authorization, capture, and payout processes.
6. Contribute full-stack to platform API surfaces, hosted payment flows, SDKs, and iframes.
7. Communicate tradeoffs across acquirers, processors, and gateways covering cost, auth rates, and observability.

Who you are

1. Hold 5+ years building production payment systems at early-stage companies.
2. Have direct integration experience with an acquirer, gateway, or processor such as Adyen or Checkout.com.
3. Understand PCI scope minimization, tokenization strategies, and secure checkout surface design.
4. Have built complex async systems, queues, retries, and eventual consistency patterns in production.
5. Work autonomously, define your own approach, and unblock yourself without needing direction.
6. Thrive in a high-ownership, fast-moving environment where scope expands quickly.
7. Bonus: experience with network tokens, account updater, or partial capture edge cases.

Tech stack

TypeScript, React, NestJS, PostgreSQL, Prisma, AWS (SQS, SNS, Lambda), Docker, Vercel

Why you'll thrive

1. Compensation reaches $300K cash, with equity priced into a Series A round closing now.
2. You own the card processing infrastructure from zero, not a slice of an existing system.
3. Every project on the roadmap is net new product surface area, nothing here is pure maintenance work.
4. The company is processing over $2 billion annualised volume and growing fast, so your work ships to real scale immediately.
5. Equity granted at this stage carries meaningful upside if growth continues at its current rate.