Senior Software Engineer – Payments (Credit Card & Alternative Payments)

Credit Card Payment Processing Implement and maintain scalable, fault-tolerant services handling real-time authorization, batch clearing, and settlement workflows. Build and maintain integrations with acquiring banks, card networks (Visa, Mastercard, Amex, Discover), payment gateways, fraud providers, and tokenization services. Implement resilient routing logic, retry strategies, and failover mechanisms across card network connections.

Ensure transaction idempotency and correct state management across the full card payment lifecycle.

Support 3D Secure (3DS2) and Strong Customer Authentication (SCA) flows.

Implement and maintain card vaulting and tokenization solutions in line with PCI DSS requirements.

Alternative Payment Methods (APMs)

Build and maintain integrations with a broad range of APMs, including digital wallets (PayPal, Apple Pay, Google Pay), bank transfers (ACH, SEPA, instant bank pay), buy now pay later (BNPL) providers, prepaid and voucher methods, and regional local payment methods across key markets.

Design flexible, extensible integration patterns that allow rapid onboarding of new payment methods and providers.

Handle the unique lifecycle requirements of each payment method — including asynchronous notifications, delayed confirmations, refund flows, and currency/settlement nuances.

Collaborate with Product to evaluate and prioritize new APM integrations based on market coverage and player demand.

Reconciliation & Financial Integrity

Build and maintain automated reconciliation pipelines that match authorization, clearing, and settlement records across both card and APM payment rails.

Reconcile internal ledgers against acquirer, network, and PSP reports; detect and surface mismatches, duplicates, and missing transactions.

Develop safeguards to prevent revenue leakage and ensure ledger consistency at scale.

Ensure all financial systems are audit-ready and compliant with internal financial controls.

Reporting, Monitoring & Alerting Build and maintain payment reporting systems covering authorization rates, settlement reconciliation, interchange and fee breakdowns, APM conversion rates, and chargeback/dispute metrics.

Implement threshold-based alerting for authorization rate drops, decline pattern anomalies, settlement mismatches, volume spikes, and chargeback ratio changes across all payment methods.

Contribute to internal financial dashboards supporting cost optimization, risk monitoring, and financial performance visibility.

Participate in on-call rotations and incident response for payment-critical systems.

Compliance & Security

Build systems compliant with PCI DSS , card network operating regulations, data encryption and tokenization standards, and regional mandates.

Contribute to secure handling of sensitive payment data across card and APM flows.

Support audit processes and financial compliance reviews as required.

Fraud & Dispute Management

Integrate with fraud detection and risk scoring systems across card and APM payment flows.

Implement chargeback and dispute workflow components, including evidence submission and representment support.

Build safeguards and monitoring for fraud pattern detection across payment methods.

Engineering Excellence

Write clean, well-tested, well-documented code with a strong focus on reliability, observability, and correctness.

Participate actively in code reviews, technical design discussions, and architecture decisions.

Contribute to best practices for distributed systems design, observability, incident response, and financial data integrity.

Mentor junior engineers and contribute to a high-trust, high-accountability engineering culture.