Lead Payments Architect (Core Acquiring & Host Integration)

EmergeSoft; Poland; Hybrid; PLN 240,000 - 360,000; Full time

Job summary

EmergeSoft is building a next-generation Digital Currency ecosystem in Europe and seeks a Lead Payments Architect to own the transactional backbone of the merchant acquiring engine. The role focuses on designing the core acquiring engine, ledger lifecycle, and secure gateway integrations to enable high-throughput, auditable payments infrastructure.

With 8+ years as a software/solutions architect in payments, you will drive architecture for ISO 20022/ISO 8583 messaging, distributed microservices,

Qualifications

• 8+ years as a Software/Solution Architect focused on core payment gateways, PSPs, or banking acquiring hosts.
• Deep mastery of financial messaging standards (ISO 20022, ISO 8583).
• Hands-on architectural command of distributed microservices (Java, Go, or .NET Core), event-driven streaming (Kafka), and high-load databases.

Responsibilities

• Own the Core Acquiring Engine: architect state machine, routing logic, multi-party fee splits, reversals and automated partial refunds.
• Design Ledger & Clearing Lifecycle data models for onboarding hierarchies, daily clearing files, settlement routing and real-time reconciliation.
• Build High-Availability Host & Gateway Integrations with secure API bridges to core platforms (e.g., FIS) using ISO 20022/ISO 8583.
• Ensure zero-downtime tolerance, strong eventual consistency, and strict financial auditing boundaries.

Skills

8+ years exp

ISO 20022

ISO 8583

Java

Go

.NET Core

Kafka

High-load DBs

Tools

Kafka

Java

Go

.NET Core

Job description

Lead Payments Architect – Next-Gen Digital Currency Ecosystem (Remote / Hybrid)

We are building the future of European sovereign payments from scratch. As a strategic co-creator, we are architecting a landmark merchant acquiring and transaction processing infrastructure for a next-generation Digital Currency – bridging high-velocity backend engines with cutting-edge mobile proximity payments.

We are looking for a Lead Payments Architect to own the transactional backbone of our merchant acquiring engine.

What you will own:

• Core Acquiring Engine: Architect the state machine, routing logic, multi-party fee splits, reversals, and automated partial refunds.
• Ledger & Clearing Lifecycle: Design data models for merchant onboarding hierarchies, daily clearing files, automated settlement routing, and real-time reconciliation.
• Host & Gateway Integrations: Build high-availability abstraction layers and secure API bridges connecting core acquiring platforms (e.g., FIS) with edge networks using ISO 20022 and ISO 8583.
• High-Throughput Architecture: Ensure zero-downtime tolerance, strong eventual consistency, and strict financial auditing boundaries.

What we are looking for:

• 8+ years as a Software/Solution Architect focused on core payment gateways, PSPs, or banking acquiring hosts.
• Deep mastery of financial messaging standards (ISO 20022, ISO 8583).
• Hands‑on architectural command of distributed microservices (Java, Go, or .NET Core), event‑driven streaming (Kafka), and high-load databases.