Lead Payments Architect - Remote FinTech Backbone

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

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,