Director of Payments

365 Retail Markets; Atlanta (GA); On-site; USD 180,000 - 230,000; Full time

Job summary

365 Retail Markets is seeking a Director of Payments to own the strategy, roadmap, and day-to-day payments operations across domestic and international markets for its SaaS platform.

The role focuses on growing monetization, ensuring secure and compliant payment experiences, and overseeing card‑present processing, processor relationships, and cross‑functional collaboration with Product, Engineering, Finance, Sales, Marketing, and Risk.

Qualifications

• Experience leading payments strategy, products, or operations in SaaS/fintech.
• Strong knowledge of merchant acquiring, card processing, and payment facilitator models.
• Proven ability to drive revenue, optimize costs, and improve user adoption.
• Experience partnering with Onboarding, Underwriting, and Risk teams.
• Excellent cross-functional leadership and communication skills.

Responsibilities

• Own day‑to‑day payments oversight across the business, including card‑present processing and payment facilitator activities.
• Manage relationships with payment processors, acquiring banks, gateways, card networks, and other strategic partners.
• Evaluate processor fees, interchange qualification, conversion performance, and other drivers of payment costs and margins.
• Identify and implement opportunities to improve processing efficiency, payment economics, and portfolio performance.
• Negotiate commercial agreements and lead cross‑functional programs with strategic partners.
• Build strong working relationships across the payment ecosystem to support customer acquisition, adoption, and growth.

Skills

Payments strategy

Product leadership

Cross-functional leadership

Data analysis

Negotiation

Partner management

SQL

AI/ML in payments

Tools

SQL

Payment gateways

Fraud monitoring tools

Job description

Description

365 Retail Markets is the most trusted global provider of unattended retail technology, delivering conveniently smart self-service solutions since 2008. The company’s all-in-one platform powers retail spaces across food service, global retail, and hospitality with a comprehensive suite of frictionless smart stores, micro markets, vending, catering, and dining point-of-sale options. These technologies can be found worldwide in corporate offices, manufacturing and distribution facilities, educational campuses, hotels, and beyond.

365 Retail Markets is the most trusted global provider of unattended retail technology, delivering conveniently smart self-service solutions since 2008. The company’s all-in-one platform powers retail spaces across food service, global retail, and hospitality with a comprehensive suite of frictionless smart stores, micro markets, vending, catering, and dining point-of-sale options. These technologies can be found worldwide in corporate offices, manufacturing and distribution facilities, educational campuses, hotels, and beyond.

Job Summary

The Director of Payments will lead the strategy, product roadmap, and day-to-day performance of the company’s payments function across domestic and international markets. This hands‑on role will grow the value and monetization of payments within the core SaaS business while ensuring that payment products, operations, and partner relationships support a secure, compliant, and positive customer experience.

The Director will oversee card‑present processing and payment facilitator activities; manage payment economics across a multi‑processor environment; and identify opportunities to increase revenue, improve adoption, and reduce costs. This leader will work closely with executive leadership and teams across Product, Engineering, Finance, Sales, Marketing, Customer Success, Onboarding, Underwriting, and Risk to bring payment capabilities from concept through launch and ongoing management.

Payments Strategy and Growth

• Develop and execute the company’s payments strategy, including a roadmap that supports the core SaaS business and creates profitable revenue opportunities.
• Identify ways to increase payments adoption, improve conversion, grow revenue, and reduce processing costs.
• Develop strategies for expanding payments products and services into international markets.
• Assess opportunities to build or improve the payments engine, expand the solution set, and create new customer‑facing commerce experiences.
• Establish priorities and performance measures for payments initiatives and communicate progress, risks, and recommendations to executive leadership.

Product and Commercialization

• Lead payments initiatives from concept and validation through development, launch, and ongoing product management.
• Partner with Product and Engineering on payment requirements, including card‑present devices, processing functionality, technical integrations, and complex use cases.
• Define product requirements and feature requests based on customer needs, business opportunities, compliance obligations, and partner capabilities.
• Collaborate with Sales, Marketing, Finance, and Customer Success on go‑to‑market plans, commercialization, and customer
• Create an iterative approach to payments product development that applies best practices and supports a strong customer experience.

Processing, Economics, and Partnerships

• Own day‑to‑day payments oversight across the business, including card‑present processing and payment facilitator activities.
• Manage relationships with payment processors, acquiring banks, gateways, card networks, and other strategic partners.
• Evaluate processor fees, interchange qualification, conversion performance, and other drivers of payment costs and margins.
• Identify and implement opportunities to improve processing efficiency, payment economics, and portfolio performance.
• Negotiate commercial agreements and lead cross‑functional programs with strategic partners.
• Build strong working relationships across the payment ecosystem to support customer acquisition, adoption, and growth.

Compliance, Onboarding, and Risk

• Manage payment compliance and administrative requirements, including adherence to card brand rules and annual reporting.
• Own direct relationships with card networks and support payment facilitator registration and ongoing compliance obligations.
• Partner with Onboarding and Underwriting to ensure merchant setup and related processes meet payment and card network requirements.
• Work with Risk teams on merchant oversight, transaction monitoring, fraud prevention, chargeback controls, and portfolio exposure.
• Monitor payment losses and emerging operational or compliance risks, and recommend appropriate actions.
• Support compliant cash discounting practices and related card network requirements.

Analytics and Executive Reporting

• Extract, manipulate, and interpret large transactional datasets to evaluate payment performance, costs, risks, and growth opportunities.
• Develop reports that track processing performance, fees, margins, portfolio exposure, and losses.
• Translate findings into clear recommendations for executive leadership and relevant cross‑functional teams.
• Use data to assess the impact of product changes, partner decisions, and operational improvements.

Leadership

• Build trust and credibility with partners, colleagues, and team members.
• Build and develop high‑performing teams as the payments function grows.
• Lead cross‑functional teams and dispersed stakeholders toward shared priorities and successful execution.

Requirements

• Experience leading payments strategy, products, or operations, ideally in integrated software, SaaS, fintech, or commerce technology.
• Strong knowledge of merchant acquiring, card processing, card‑present payments, and payment facilitator models.
• Direct experience with card‑present payment devices and processing functionality.
• A record of identifying and pursuing payments revenue opportunities while improving costs, margins, or adoption.
• Experience managing processor, acquiring bank, gateway, card network, or other strategic payment partner relationships.
• Knowledge of card brand rules, payment compliance, administrative requirements, annual reporting, and payment facilitator obligations.
• Experience partnering with Onboarding, Underwriting, and Risk teams on merchant setup, transaction monitoring, fraud, and chargebacks.
• Experience evaluating interchange qualification, processor fees, and other factors that affect payment economics.
• Strong analytical skills, including experience preparing, manipulating, and interpreting large transactional datasets.
• Ability to build clear performance reports and present findings and recommendations to executive leadership.
• Experience partnering with Product and Engineering to define requirements and deliver payment capabilities from concept through launch.
• Strong cross‑functional leadership, communication, negotiation, and relationship‑building skills.

Preferred Qualifications

• Experience using SQL to query and analyze transactional data.
• Experience applying AI or machine learning in practical payments workflows, such as improving transaction monitoring, identifying processing or revenue patterns, forecasting performance, or supporting fraud and chargeback analysis. Candidates should be able to explain how they validated results, addressed data quality and privacy, and put insights into operational use.
• Experience implementing embedded finance solutions.
• Experience implementing payment solutions in South America, Central America, or EMEA.

Notice of AI Use in Job Application Review

As part of our commitment in creating a fair, efficient, and consistent hiring process we may use artificial intelligence (AI) to help our recruiting teams organize, summarize, and analyze information provided by candidates, including resumes, application responses, and other materials submitted during the application process.AI may be used to identify patterns, highlight relevant skills, and experience, and assist in comparing a candidate’s qualifications with the requirement of a specific role. These tools are to improve efficiency and consistency while supporting more informed hiring decisions, which will ultimately be made by the hiring team.