Senior Backend Engineer – Payments, Go, TypeScript, Node.js

🔥 13 minutes ago

🌐 Ukraine, Poland, +4 more countries – Remote

🇺🇦 Ukraine – Remote 🇵🇱 Poland – Remote 🇪🇸 Spain – Remote 🇵🇹 Portugal – Remote 🇷🇴 Romania – Remote 🇬🇪 Georgia – Remote

⏰ Full Time

🟠 Senior

🔙 Backend Engineer

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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SPD Technology

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2006

💳 Fintech

🤖 Artificial Intelligence

🤝 B2B

Fintech • Artificial Intelligence • B2B

SPD Technology is a global software product development company that delivers custom digital platforms, cloud and DevOps, AI/ML, and fintech/payment solutions. They specialize in application modernization, data analytics and engineering, system integration and APIs, security and quality engineering, and mobile/web UX/UI development. SPD works as a B2B partner for enterprise and growth-stage clients (notable customers cited include PitchBook and Poynt), focusing on building payment systems, billing and fraud-detection software, data platforms, and AI-enabled products for industries such as fintech, insurance, healthcare, and e-commerce.

📋 Description

• 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