Senior Real-Time Payments Engineer

Mesta Payments US LLC; Bengaluru; On-site; INR 1,500,000 - 3,000,000; Full time

Benefits offered by this job

Flexible hybrid work environment

Stock options

Growth opportunities

Job summary

Mesta Payments US LLC is seeking a Senior Real-Time Payments Engineer based in Bangalore, India. You'll design the core of our real-time transactions engine, integrate stablecoins for faster transactions, and ensure the system’s reliability and performance.

This crucial role demands expertise in distributed systems, cloud services, and blockchain technology. Join us and help redefine how money moves across borders in a fast-paced startup environment.

Competitive salary, growth opportunities, and hybrid work culture await you.

Qualifications

• 3-5 years of experience in software engineering with a focus on distributed systems.
• Deep expertise in real-time payment systems and blockchain-powered finance.
• Experience deploying cloud services (AWS, GCP, or Azure) and familiarity with Docker/Kubernetes.
• Ability to design secure and scalable APIs.

Responsibilities

• Design and code the core of the real-time transactions engine.
• Integrate stablecoins into the platform for seamless transactions.
• Optimize the performance of the transaction pipeline to achieve sub-millisecond latency.
• Ensure system reliability with active-active architecture and fallback mechanisms.

Skills

Payments: RTP, ACH, UPI, SEPA, SWIFT

Blockchain: Ethereum, Polygon, Stellar, Solana, Stablecoins

Backend: NestJS (Node.js), PostgreSQL, Redis

Cloud: AWS managed services

Performance: Latency Optimization

Education

BS/MS in Computer Science

Tools

Docker

Terraform

GitHub Actions

Job description

# Senior Real-Time Payments EngineerFull-timeEngineeringCompetitive3-5 yearsLocationsBangalore, IndiaSan Francisco Bay AreaAvailable in multiple locations. Choose your preferred location when you apply.About the team## Who we areMesta (mesta.xyz) is a Global FIAT + Stablecoin Payment Network that aims to rewire global payments by building the most efficient global payment network that moves both FIAT and Stablecoin effectively across the world. We're a high-octane startup on a mission to redefine how money moves across borders. Our platform is building a borderless, always-on money network by fusing traditional payment tech with blockchain innovation. If the idea of creating an instant, blockchain-powered global payments excites you, keep reading – this is the place where real-time payments, stablecoins, and Web3 collide to change the game.The fit## Who you areYou're a payments disruptor at heart – someone who dreams about instant transactions and won't rest until sending money is as instantaneous as sending a text. You have deep expertise in real-time payment systems and a passion for blockchain-powered finance. You love diving into new technologies and you're obsessed with pushing systems to their performance limits. Sound like you? Keep reading!The role## What you'll do* 01 Build the Future of Money Movement: Design and code the core of our real-time transactions engine. You'll be combining Web2 payment networks (think ACH, SWIFT, UPI) with Web3 rails (Ethereum, Polygon, Stellar, Solana, Tron) to create a unified payments platform. One moment you might be working on an integration with a bank's RTP API, the next you're writing a smart contract to move stablecoins on-chain – you'll do it all.* 02 Integrate Stablecoins & DeFi: Bring the power of crypto to mainstream payments. You will integrate stablecoins into the platform so our users can transfer value in USD-backed digital currency at lightning speed. You'll also work on connecting to DeFi protocols when it makes sense – imagine hooking into liquidity pools or DEXs to get the best FX rates automatically. We're talking always-on, cross-border transfers without the usual headaches.* 03 Performance Tuning at Extreme Scale: This role isn't for the faint of heart – our goal is to obliterate transaction speed barriers. You'll profile every millisecond of our transaction pipeline, from database writes to network hops. You'll tweak message brokers, optimize smart contract calls, and fine-tune cloud infrastructure to achieve sub-millisecond latency where possible. If there's a way to make it faster or more efficient, you'll find it.* 04 Ensure Rock-Solid Reliability: Real-time means no downtime. You'll architect active-active systems across regions, implement fallback mechanisms, and use chaos engineering to test our limits. The result? A platform that handles network surges or component failures with zero hiccups. Our reliability goal is 99.999% and you're the kind of engineer who thinks five nines is just the beginning.* 05 API-First & Secure Coding: Champion an API-first approach, ensuring every component is built with robust, scalable, and secure APIs (think comprehensive documentation, versioning, and industry best practices like Swagger/OpenAPI). Coupled with a relentless commitment to secure coding—regular code reviews, secure design patterns, and proactive vulnerability assessments—you'll make sure our platform stands up to the highest standards of security and integration.* 06 Drive Innovation: At a startup, everyone wears multiple hats. You'll collaborate with product teams to ideate new features, with data teams to incorporate AI-driven fraud detection, and more. You're not just coding to spec – you're actively thinking of ways to push the envelope, whether that's implementing the latest account abstraction idea or trying out a new layer-2 scaling solution. Every week brings a new challenge, and you'll be at the center of the action.The bar## What we're looking for* 01 Seasoned Builder: 3-5 years of hands-on experience in software engineering, with a focus on distributed systems or high-speed transaction platforms. You've perhaps built payment systems, trading platforms, or real-time data pipelines before – and loved it.* 02 Payments + Crypto Expert: You know the ins and outs of traditional payment networks (RTP/ACH, UPI, PIX, SEPA etc.) and you're fluent in blockchain tech (you've built on Ethereum or other chains, understand how to work with stablecoins, maybe even dabbled in Solidity or Rust). In short, you're equally comfortable debugging an API integration with a bank and a smart contract on a testnet.* 03 Performance Mindset: You have a passion for optimization. You've tuned JVM garbage collectors, fine-tuned SQL queries, squeezed out bytes over the wire, or optimized cloud deployments for throughput. Terms like latency, throughput, and concurrency make you excited, not scared.* 04 Cloud-Native Chops: Experience deploying and running services in the cloud (AWS, GCP, or Azure). You're familiar with Docker/Kubernetes and have built CI/CD pipelines. Bonus points if you've set up monitoring dashboards and can quickly pinpoint bottlenecks in a distributed system.* 05 Adaptability and Drive: You thrive in a fast-paced, startup environment. Unknowns don't frighten you – you embrace learning new technologies on the fly. You take ownership, run with ideas, and enjoy collaborating with a team of enthusiastic, smart people ready to disrupt the status quo.* 06 Education: We care about what you can do more than a specific degree. BS/MS in Computer Science is great, but proven experience and skills go a long way.* 07 ### Skills - Payments: RTP, ACH, UPI, SEPA, SWIFT - Blockchain: Ethereum, Polygon, Stellar, Solana, Stablecoins - Backend: NestJS (Node.js), PostgreSQL, Redis (or similar: Java, Oracle, MongoDB) - Cloud: AWS managed services (e.g., API Gateway, ECS, Lambda, SNS/SQS, S3, EKS etc.) - Orchestration: Netflix Conductor (or similar workflow engines) - Containers & CI/CD: Docker, Terraform, GitHub Actions - Performance: Latency Optimization, Profiling, Reliability Engineering - Monitoring: Observability & Alerting (Prometheus, Grafana, Newrelic; optional) - Data & Analytics: Event-driven pipelines (Kafka/Kinesis) - Security & Compliance: OpenAPI, OAuth2/JWT, Secure Coding, Regulatory Standards (SOC2, PCI-DSS, GDPR) - Collaboration: Agile, Ownership, Startup MindsetWhy Mesta## Benefits & perks* Big Impact: Your work will directly shape a product that aims to make money move instantly across the globe, 24/7. In 2025, real-time payments are becoming the norm and you'll be riding that wave to bring the fastest, most reliable transactions to businesses and consumers worldwide.* Cutting-Edge Tech: You'll get to play with and integrate the latest tech in fintech and crypto – from new instant payment protocols to emerging blockchain networks and AI-driven optimizations. If there's a new tool or framework that can help us go faster or be better, we'll be among the first to trial it.* Growth Opportunities: As an early senior hire, you'll have the opportunity to grow into a leadership role, shape the engineering culture, and influence the product roadmap. If you've ever wanted to build something almost from scratch and see it scale to millions of users, this is your chance.* Startup Culture: We offer a flexible, hybrid work environment in San Francisco Bay Area/Bangalore, stock options, and a team of colleagues who are as passionate about this space as you are. We work hard, move fast, and celebrate our wins. If you love the energy of a startup pushing the boundaries of what's possible in payments, you'll fit right in.