Software Engineer

TYFONE INC; Hinoba-an; On-site; PHP 597,000 - 995,000; Full time

Job summary

Payfinia is seeking a hands-on Java Developer to join the Product Engineering team at Bengaluru's India Development Center. You will build and maintain the IPX platform's Java microservices powering real-time payments for U.S.-based financial institutions.

Ideal candidates have 2–3 years' Java experience, Spring Boot expertise, and familiarity with MySQL/Redis/IBM MQ; you will work in an agile, collaborative environment with PCI-DSS and SOC2 security practices.

Qualifications

• 2–3 years of Java development experience with OOP fundamentals.
• Hands-on Spring Boot and REST API development.
• Working knowledge of SQL databases (MySQL).
• GIT-based version control and CI/CD workflows.
• Understanding of microservices architecture.
• B.E./B.Tech in Computer Science or related field.
• Strong communication and collaboration abilities.

Responsibilities

• Design, develop, and maintain Java-based microservices for IPX payment platform.
• Build and consume RESTful APIs; integrate with payment rails and core systems.
• Work with MySQL, Redis, and IBM MQ as part of the processing pipeline.
• Write clean, testable code with unit tests; participate in peer code reviews.
• Collaborate with senior developers, architects, and QA on sprint deliverables.
• Debug production issues; support incident triage and root cause analysis.
• Leverage AI-assisted development tools to improve productivity and code quality.
• Follow secure coding practices aligned with PCI-DSS and SOC2 requirements.

Skills

Java development

Spring Boot

REST APIs

OOP fundamentals

CI/CD

Agile

Communication

Education

Bachelor's in CS or related field

Tools

MySQL

Redis

IBM MQ

Docker

Kubernetes

AWS

Job description

Payfinia is a SaaS payment hub powering community banks and credit unions across the United States. Our flagship product, IPX (Instant Payment Exchange), enables real-time payment processing across major payment rails including FedNow and RTP. We build secure, scalable, cloud-native financial infrastructure that empowers smaller financial institutions to compete at the highest level.

In addition to our core offering, we partner with third-party digital providers to integrate instant payments with traditional payment and money movement solutions. This not only extends the technology provider’s capabilities but also strengthens the payments ecosystem for our member financial institutions.

Payfinia is an equal opportunity employer. We encourage candidates from diverse backgrounds to apply.

About the Role:

We are looking for a motivated and hands-on Java Developer with 2–3 years of experience to join our product engineering team at the India Development Center in Bengaluru. You will work on Payfinia’s core payment platform — IPX (Instant Payment Exchange) — which powers FedNow, RTP, ACH, and Wire payment rails for financial institutions across the United States. This role offers direct exposure to production-grade, real-time payment systems in an agile, fast-paced environment.

Responsibilities include (but are not limited to) the following:

• Design, develop, and maintain Java-based microservices for the IPX payment platform
• Build and consume RESTful APIs; integrate with payment rails and financial institution core systems
• Work with MySQL, Redis, and IBM MQ as part of the payment processing pipeline
• Write clean, testable code with strong unit test coverage; participate in peer code reviews
• Collaborate with senior developers, architects, and QA on sprint deliverables
• Debug and resolve production issues; support incident triage and root cause analysis
• Leverage AI-assisted development tools (Cursor, Claude Code) to improve productivity and code quality
• Follow secure coding practices aligned with PCI-DSS and SOC2 requirements

Skills and Qualifications:

Minimum Qualifications

• 2–3 years of Java development experience with strong OOP fundamentals
• Hands-on experience with Spring Boot and RESTful API development
• Working knowledge of SQL databases (MySQL)
• Familiarity with Git-based version control and CI/CD workflows
• Understanding of microservices architecture and service-to-service communication
• Strong problem-solving skills and ability to work in an agile sprint environment
• B.E. / B.Tech in Computer Science or related field
• Good communication and collaboration abilities

Good to have:

• Experience with message queues (IBM MQ, Kafka, or RabbitMQ)
• Exposure to Docker / Kubernetes or cloud platforms (AWS preferred)
• Familiarity with the payments domain — ACH, Wire, or real-time payment rails
• Knowledge of OAuth 2.0, JWT, or mTLS security patterns

Why join Payfinia?

• Work on real-time payment systems used by financial institutions across the U.S.
• Learn from experienced engineers in an agile, collaborative environment
• Gain hands-on experience with modern fintech product development
• Grow your career in the payments and digital banking industry
• Be part of an award-winning team recognized for innovation in real-time payments