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Peratera

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2021

💳 Fintech

🤝 B2B

🔌 API

Fintech • B2B • API

Peratera is a UK-based electronic money institution (EMI) that provides multi-currency business accounts and cross-border payments for companies. It offers accounts in GBP, EUR, USD and 12+ other currencies, fast onboarding (accounts can be activated the same day once documents are provided), and transfers to 160+ countries using networks such as SWIFT, SEPA and Faster Payments. Peratera is FCA-authorised, safeguards client funds with regulated partner banks, provides competitive and transparent FX, and exposes a simple API to integrate payments, reporting and cashflow automation. Its product and marketing focus is on digital businesses including e-commerce, marketplaces, travel, import/export and freelance platforms, with features aimed at high-value transfers, transparent pricing, and secure authentication.

📋 Description

• Design, develop, and maintain core platform services, including payment flows, transaction lifecycle, reconciliation, and wallet infrastructure • Participate in architecture discussions and contribute to technical solutions aligned with the overall platform direction • Write clean, maintainable, and well-tested code following established engineering standards • Collaborate with other engineers through code reviews, knowledge sharing, and technical discussions • Translate business and technical requirements into reliable and scalable backend solutions • Work closely with Product and DevOps teams to deliver financial features end-to-end • Contribute to the platform's evolution toward AI-assisted and data-driven capabilities • Help improve platform reliability, fault tolerance, observability, and performance at scale

🎯 Requirements

• 3+ years of commercial experience with Java in production environments • Hands-on experience with the Spring Boot ecosystem and backend application development • Deep expertise in the Spring Boot ecosystem and distributed systems at scale • Experience working with distributed systems and developing scalable backend services • Experience building or supporting financial products, such as payments, wallets, banking, or fintech solutions • Good understanding of software engineering practices, including clean code, testing, and code reviews • Strong experience with REST API development and messaging systems • Comfortable working in a distributed, international team and collaborating asynchronously • Familiarity with cloud environments, CI/CD pipelines, and observability tooling • Previous experience in fintech, banking, payments, EMI, or other regulated financial environments • Familiarity with payment-related compliance requirements, including PCI DSS • Exposure to Open Banking providers or integrations with payment schemes • Experience with Camunda or other workflow orchestration tools

🏖️ Benefits

• Competitive, market-aligned compensation - discussed openly at first interview • Fully remote setup with flexible hours • International, highly skilled team • Direct impact on architecture and strategic platform decisions from day one • Exposure to modern cloud-native, AI-assisted, and Open Banking systems