Principal Payments Engineer

Job not on LinkedIn

🕒 September 4

🇺🇸 United States – Remote

⏰ Full Time

🔴 Lead

👷🏻‍♀️ Engineer

👻 Ghost score 12%

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Payabli

WebsiteLinkedInAll Job Openings

11 - 50 employees

💼 Consulting

📦 Logistics

💳 Fintech

💰 $4.1M Seed Round on 2022-04

Consulting • Logistics • Fintech

Payabli is a next-generation payments infrastructure company that specializes in enabling Software as a Service (SaaS) providers and other businesses to easily embed and monetize payments. The company offers a unified API and infrastructure stack that supports the full lifecycle of payments businesses, including payment acceptance (Pay In), vendor payouts (Pay Out), and payment operations (Pay Ops). Payabli provides solutions such as managed payables, on-demand payouts, spend management, boarding, underwriting, risk management, billing engine, reporting, and compliance. With a focus on API-first capabilities, Payabli allows its partners to build world-class payments offerings that are fully integrated into their product experience. The company serves various partners and industries, including financial institutions and affiliate partners, offering strategic advisory and cost analysis services to optimize interchange and payments solutions.

📋 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

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