Senior Backend Engineer – Payments, Go, TypeScript, Node.js
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Job Description
Senior Backend Engineer building payment infrastructure for merchants and partner platforms at SPD Technology. Owning payment flows, processor integrations, reconciliation, payouts, and financial-system reliability.
Responsibilities:
- Join a product team building payment infrastructure for merchants and partner platforms
- Own end-to-end payment flows in TypeScript/NestJS services, including authorization, capture, void, refund, dispute handling, and payout initiation and confirmation
- Build and maintain acquirer and processor integrations using clean internal abstractions
- Design embedded and hosted checkout experiences, including hosted fields, iframes, and tokenization, to minimize PCI scope
- Implement fee calculation and rate logic, including tiers, interchange-plus, flat structures, rounding rules, special rates, and edge cases
- Build reconciliation and settlement layers matching processor reports and settlement files against internal records
- Design event handling with idempotency keys, out-of-order and duplicate webhooks, retries with backoff, and state machines
- Integrate fraud, bank-account verification, and KYC providers and tune decisioning against real outcomes
- Handle ACH mechanics, including submission windows, returns, return codes, NOCs, and retry rules
- Maintain domain correctness, complete audit trails, and reconciliation evidence
- Act as the team's payments expert, advise product on rail capabilities, and review payment-adjacent code
- Collaborate daily with a US-based team with 4–6 hours of overlap with US Central Time
Requirements:
- 6+ years of professional software engineering experience
- At least 3 years of hands-on experience with payment systems or payment processing
- Strong backend engineering experience with Go, TypeScript, and Node.js
- Direct experience owning production payment flows rather than only performing basic payment API integrations
- Experience integrating payment processors, gateways, or acquirers such as Stripe, Adyen, Braintree, Checkout.com, Worldpay, Fiserv, or similar providers
- Strong understanding of the card payment lifecycle, including authorization, capture, settlement, refunds, chargebacks, and disputes
- Understanding of bank payment rails and preferably ACH/NACHA concepts, including returns and transaction timing
- Experience with payment reconciliation and settlement
- Strong understanding of webhooks, retries, idempotency, asynchronous processing, and distributed-system failure scenarios
- Experience designing relational data models for transaction-heavy systems
- Understanding of PCI DSS and payment-security patterns such as tokenization and isolation of sensitive payment data
- Strong attention to correctness and edge cases, especially in financial systems
- Fluency with modern AI-assisted development tooling
- 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: Experience with platform, marketplace, or facilitator models, including split payments, sub-merchant onboarding, and multi-party flows
- Bonus: Experience with payouts and disbursement rails, including bank-account collection, verification, and payout status handling
- Bonus: Experience with fraud and risk tooling, and bank-account validation services
- Bonus: Experience with e-commerce plugin or SDK development, such as WooCommerce, Shopify, or Magento
- Bonus: Knowledge of multi-currency, cross-border, or alternative payment methods
- Bonus: Experience with event sourcing applied to financial state and double-entry ledger design
Benefits:
- Full-time remote work around the globe, or hybrid work from office hubs
- Flexible working schedule
- Stable workload and stable income
- Performance review and career path
- Mentorship program
- Personal development plan
- Individual learning through the corporate library
- Public speaking support
- Company-wide tech and cultural events
- Supportive, flexible work environment with collaboration, open communication, and mutual respect
- Meaningful CSR initiatives
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