Senior Payments Processing Engineer

At SPD Technology, we bring together a team of like-minded people who are driven by the desire to bring value through their work, united in their commitment to high performance and delivering custom, cutting-edge tech solutions that drive clients' growth. We empower our people with a culture of excellence, and enable them with the opportunity to uphold their accountability to contribute on each level. We value humanity and collaboration, encourage professional and personal growth, and foster a supportive and flexible work environment where everyone's contribution is welcomed. We are looking for Senior Payments Processing Engineer to join us as part of our team About the role As a Senior Payments Processing Engineer you will join a product team building payment infrastructure for merchants and partner platforms. The platform enables businesses to accept payments, manage payouts, process card and bank transactions, and handle payment-related operations without relying on multiple disconnected providers. The engineering challenges go far beyond basic payment integrations. The platform handles payment orchestration, transaction processing, settlement and reconciliation, payouts, fraud and KYC integrations, and complex failure scenarios across systems that the team does not fully control. This role is a strong fit for an engineer who understands how money actually moves through payment systems and is comfortable owning critical backend flows end to end. Tech Stack TypeScript across the board, in a pnpm monorepo NestJS backend services; Next.js and React on the front end PostgreSQL, with SQL-first data modeling and versioned migrations Event-driven service orchestration, webhooks, and idempotent processing Acquirer and vendor integrations for card/ACH acceptance, fraud screening, payouts, and KYC Managed cloud infrastructure, containerized services, CI/CD on GitHub AI-assisted development as a standard part of the toolchain, not a side experiment Work environment Full-time, remote. Daily collaboration with a US-based team (4–6 hours of overlap with US Central Time is required) As a qualified expert You will Own end-to-end payment flows in TypeScript/NestJS services: authorization, capture, void, refund, dispute handling, and payout initiation and confirmation. Build and maintain acquirer and processor integrations, keeping the platform acquirer-agnostic behind clean internal abstractions. Design embedded and hosted checkout experiences (hosted fields, iframes, tokenization) that keep sensitive cardholder and bank data out of internal systems and minimize PCI scope. Implement fee calculation and rate logic, including tiers, interchange-plus, flat structures, rounding rules, special rates, and edge cases. Build the reconciliation and settlement layer to match processor reports and settlement files against internal records and surface breaks. Design event handling incorporating idempotency keys, out-of-order and duplicate…