Senior Software Engineer (Payments)

Senior Software Engineer – Payments

Role purpose

Own and evolve OrderYOYO’s payments capabilities across online + in-store (POS, Kiosk & Payment terminals), supporting the transition to a more scalable operating model, and enabling capabilities like KYC onboarding, deductions, settlement/payout timing, dispute flows, and merchant invoicing.

Key responsibilities

• Build and maintain payment domain services including gateway integrations, payment intent/authorization/capture/refund flows, payout orchestration, and reconciliation.
• Implement marketplace capabilities: onboarding/KYC integration, merchant configuration, settlement instructions, deductions, and invoicing/merchant-statement alignment.
• Build robust flow‑of‑funds primitives: idempotency, ledgers/events, audit trails, and supportability for finance/compliance.
• Integrate with PSP and partner tooling with attention to tri‑party / sub‑merchant implications where applicable.
• Implement dispute/chargeback and fraud handling touchpoints (internal workflows + PSP tooling), and collaborate with ops on runbooks and escalation paths.
• Work closely with Product, Legal/Compliance, Finance, and Support to convert requirements into safe, testable production behaviour.
• Raise engineering quality in a high‑change domain: automated tests, safe rollouts/canaries, observability, and incident response improvements.
• Mentor engineers, lead design reviews, and contribute to shared standards and documentation.

What We Offer

• Competitive salary
• High ownership and autonomy
• Clear progression toward Tech Lead / Staff Engineer responsibilities
• Opportunity to work on revenue‑critical production systems
• Strong focus on security, reliability, and engineering best practices
• Collaborative, international engineering team
• Emphasis on learning, mentoring, and long‑term growth

Must‑have experience

• Strong backend engineering background in distributed systems (microservices, async processing, resilient APIs, eventual consistency).
• Production experience with payment flows (auth/capture/refund, webhooks, reconciliation) and money‑correctness patterns (idempotency keys, double‑entry thinking, auditability).
• Solid security mindset: PCI, protecting PII, secrets management, least privilege, secure coding.
• Comfortable in an Azure‑first environment (APIs, queues/eventing, monitoring), and with CI/CD + automated testing practices.
• Clear communication with non‑technical stakeholders in high‑stakes scenarios (incidents, financial breaks, compliance asks).

Nice to Have

• Experience with sub‑merchant / marketplace / Payfac‑like operating models (KYC, underwriting, settlements, fee deductions).
• Familiarity with dispute tooling, scheme rules, 3DS/risk rules, or fraud platforms.

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