Senior Payments Processing Engineer

About the Position

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 a 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)

Responsibilities

• 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.

Requirements

• 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.

Nice to Have

• 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.

We Offer

• Join the team of experts who create custom, cutting-edge tech solutions for world-renowned businesses, fueling clients growth.
• Experience an agile and flexible working environment.
• Embrace the opportunity for personal and professional growth.
• Feel cared about among like-minded people 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.

About the Company

SPD Technology is a global software product development company that creates cutting-edge tech solutions that drive clients’ growth. We provide software engineering, product development, and IT consulting services to world-renowned companies, ranging from Fortune 500 firms to emerging startups across the globe. Founded in 2006, we’ve delivered over 460 custom projects for high-growth startups, SMBs, and enterprises, building strong partnerships with industry leaders such as PitchBook, Morningstar, Blackhawk Network, Poynt, Space Needle, and many more. Specialising in fintech and digital payment solutions, data engineering, AI/ML, and Cloud technologies, we build products ranging from MVPs to complex, enterprise-grade solutions. We are presented globally: we have 2 development centers in Europe, a representative office in Romania, the U.K., Cyprus, and remote teams, working worldwide from 32 countries around the globe.