Payment Solution Architect

MastarRec; Greater London; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

A leading FinTech consultancy in the UK is looking for a skilled Payment Solution Architect to design and implement innovative payment systems. This role requires expertise in digital payment architectures and close collaboration with engineering and product teams. The ideal applicant will have hands-on experience with payment gateways and compliance standards. The company offers a competitive salary, benefits, and the flexibility of hybrid or remote work.

Benefits

Competitive salary + bonus

Private healthcare + dental cover

Generous learning & development budget

International FinTech conference access

Qualifications

• Hands-on experience designing enterprise-grade payment infrastructures.
• Ability to document and present technical concepts clearly.
• Expertise in tokenisation and fraud detection systems.

Responsibilities

• Design and oversee architecture of digital payment solutions.
• Integrate real-time payment rails.
• Ensure compliance with PCI DSS and PSD2 regulations.
• Develop solution blueprints and integration frameworks.

Skills

Digital payment ecosystems knowledge

Payment gateway integration expertise

Understanding of ISO 20022

Cloud-native architecture familiarity

Tools

AWS

GCP

Azure

Job description

Job Description

One of our prestigious clients is seeking a highly skilled Payment Solution Architect to lead the design and implementation of scalable, secure, and future‑ready payment systems for a fast‑growing FinTech company.

This role will work closely with engineering, compliance, and product teams to architect end‑to‑end payment solutions, including card processing, digital wallets, real‑time payments, and cross‑border transactions.

The ideal candidate has hands‑on experience designing enterprise‑grade payment infrastructures and integrating open banking, APIs, and third‑party payment providers.

Job Responsibilities

• Design and oversee architecture of digital payment solutions and platforms
• Integrate real‑time payment rails (Faster Payments, SEPA, SWIFT, ACH)
• Collaborate with product and development teams to deliver API‑based payment services
• Ensure compliance with PCI DSS, PSD2, AML, and other regulations
• Develop solution blueprints, data flow diagrams, and integration frameworks
• Select and manage third‑party payment providers (e.g., Stripe, Adyen, Worldpay)
• Drive scalability, availability, and security in all payment solution designs
• Troubleshoot and resolve architecture‑related challenges across systems
• Stay current with emerging trends in FinTech, blockchain, and digital finance

Required Skills

• Deep knowledge of digital payment ecosystems, architectures, and technologies
• Expertise in payment gateway integration, tokenisation, and fraud detection systems
• Strong understanding of ISO 20022, EMV, NFC, and 3D Secure protocols
• Familiarity with cloud‑native architecture (AWS, GCP, or Azure)
• Ability to document and present technical concepts to stakeholders clearly

Desired Skills

• Experience with real‑time payment systems and blockchain‑based solutions
• Hands‑on coding experience with Java, Python, or Node.js
• TOGAF or AWS Solution Architect certification preferredKnowledge of financial data orchestration and embedded finance architectures

Benefits

• Competitive salary + bonus
• Private healthcare + dental cover
• Hybrid or fully remote work model
• Generous learning & development budget
• International FinTech conference access