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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