Principal Payments Engineer

Job not on LinkedIn

🕒 September 4

🇺🇸 United States – Remote

⏰ Full Time

🔴 Lead

👷🏻‍♀️ Engineer

👻 Ghost score 12%

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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Payabli

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2020

💼 Consulting

📣 Marketing

📦 Logistics

💰 $36M Series B - Payabli on 2025-06

Consulting • Marketing • Logistics

Payabli is a next-generation payments infrastructure company that enables software platforms to embed, manage, and monetize payments. It offers a full suite of capabilities — Pay In (payment acceptance and merchant onboarding), Pay Out (payables and payouts to vendors/partners), and Pay Ops (operations, risk, billing, and reporting) — delivered via APIs, embeddable components, and white-glove advisory services. Payabli targets SaaS companies, financial institutions, tech-enabled services, and enterprise merchants, and is a registered payment facilitator/ISO offering compliant, scalable payments solutions and developer-friendly integration tools.

📋 Description

• Serve as the founding hire for the Payments Core team • Centralize and own the platform components responsible for movement of money, from payment rails through batching, funding, reconciliation, and ledgering • Define how the platform guarantees exactly-once payment execution under partial failures, retries, and cross-service races • Design the internal and external API surface, including versioning, backward compatibility, and webhook delivery guarantees • Direct multi-rail orchestration across ACH, wire, RTP/FedNow, and card networks • Define routing, retry, and failover across financial institutions and payment rails, including sponsor banks and networks such as Visa Direct • Own batching, funding, and reconciliation with accurate external settlement matching and rapid exception handling • Establish architecture-review and RFC standards, monitoring, and alerting for reliability and observability • Set engineering practices, review standards, and technical hiring criteria for the Payments Core team • Report to the CTO on an interim basis while the organization is built out

🎯 Requirements

• 12+ years building production payments or financial systems • Direct experience operating at $10s to $100s of billions in GMV • Track record of owning architecture and seeing big decisions through to production • Direct experience designing or operating a double-entry ledger in production • Fluency in derived balances, hot-account partitioning, and schema evolution under load • Experience building idempotent, exactly-once payment flows in real-time, high-throughput systems • Experience designing distributed data architecture and petabyte-scale storage systems • Experience building high-throughput services with sub-50ms latency under real production load • Deep experience with settlement and reconciliation against external data, including bank files, card network settlement, and ACH returns • Experience with multi-rail money movement: ACH, wire, RTP/FedNow, and card networks • Experience with multi-financial-institution orchestration, including direct integrations with sponsor banks and networks such as Visa Direct • High technical bar demonstrated through influence and example • Nice to have: experience at a comparable-scale payments platform such as Stripe, Block/Square, Modern Treasury, Marqeta, or Adyen • Nice to have: experience modernizing or hardening a payments platform at scale • Nice to have: familiarity with PCI DSS, ISO 20022 messaging, and scheme-level settlement file formats • Must be legally authorized to work in the United States

🏖️ Benefits

• Stock options with the potential to unlock more equity as we grow • Flexible PTO and paid parental leave • Medical, dental, & vision insurance • 401K, HSA, pre-tax savings programs