Senior Backend Engineer / Payments Expert Go / Node.js / TypeScript

Remote | Full-time | Long-term | Up to $28/hour

About the Project

We are looking for a highly experienced Senior Backend Engineer with deep expertise in payment processing to help build and scale a payment orchestration platform integrating multiple payment providers.

This role requires more than strong backend development skills. We need a hands-on engineer who understands the complexities of real-world payment systems, including card processing, money movement, transaction lifecycles, reconciliation, and payment security.

The ideal candidate can independently design reliable payment solutions, navigate complex financial workflows, and troubleshoot critical production issues.

Responsibilities

Design, develop, and optimize scalable backend services for a payment orchestration platform.

Build and maintain integrations with payment gateways, processors, and third-party payment APIs.

Implement and support end-to-end payment flows, including authorization, capture, refunds, settlements, disputes, and chargebacks.

Develop reliable payment processing workflows with appropriate handling of failed transactions, retries, and edge cases.

Work with ACH/NACHA payment flows and related integrations.

Design and improve ledger, reconciliation, transfers, fund holds, and money movement functionality.

Ensure payment solutions follow PCI DSS and relevant payment security requirements.

Investigate and resolve complex production issues involving payment transactions and provider integrations.

Contribute to backend architecture, API design, performance, and scalability.

Collaborate with an international engineering team and independently own technical solutions.

Requirements

Extensive commercial backend engineering experience at a Senior level.

Deep hands-on production experience with card payments and payment processing — essential.

Strong backend development skills with Node.js / TypeScript (NestJS) and/or Go.

Thorough understanding of the complete payment lifecycle:Checkout and payment initiation

Authorization and capture

Refunds and settlements

Disputes and chargebacks

Practical experience with ACH / NACHA.

Strong understanding of PCI DSS and payment security requirements.

Experience with payment gateways, processors, and third-party payment APIs.

Knowledge of ledger systems, reconciliation, money movement, transfers, and fund holds.

Ability to handle payment failures, retries, transaction states, and complex edge cases.

Experience with PostgreSQL, REST APIs, and microservices architecture.

Ability to independently design payment solutions and resolve complex production incidents.

Strong analytical and problem-solving skills.

English B2 or higher, with confident technical communication.

Nice to Have

Hands-on Go development experience.

AWS cloud infrastructure.

Event Sourcing and Event-Driven Architecture.

Experience building multi-provider payment orchestration solutions.

BNPL (Buy Now, Pay Later) integrations.

Experience with high-volume transaction processing systems.

Working Conditions

Engagement: Full-time

Duration: Long-term

Location: Remote, excluding Russia and Ukraine

Rate: Up to $28/hour

Time Zone: Minimum 5 hours of overlap with US Central Time business hours (9 AM–5 PM CT)

Start: ASAP

Who We Are Looking For

We are looking for an engineer who has worked directly with production payment systems and understands how money actually moves through payment infrastructure.

You should be comfortable discussing authorization and settlement flows, payment failures, reconciliation discrepancies, chargebacks, provider integrations, and payment security.

Payments domain expertise is the primary selection criterion. Strong backend skills are essential, but experience building and operating real payment processing solutions is what will make you successful in this role.

If you have deep payment processing experience and enjoy solving complex backend challenges, we'd love to hear from you.