Quality Assurance Analyst I (Payments)

Neumo; Bloomington (IN); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Neumo is seeking an on-site/remote QA professional to build and execute test plans for our payments platform, including web apps, APIs, and physical terminals. You will write test cases, perform end-to-end testing, and contribute to automation efforts to ensure accuracy and security of transactions.

The role requires 2+ years in QA, experience with web/API testing, and familiarity with payment concepts and PCI standards. Remote-friendly with an on-site option in Indiana.

Qualifications

• 2+ years of QA experience with end-to-end testing of transaction-processing systems
• Experience testing web applications and REST APIs (Postman or similar tools)
• 2+ years using Azure Table or related databases to query transaction data
• Preferred: payments/fintech experience
• Preferred: testing POS terminals or other physical devices (e.g., Verifone, Ingenico)
• Preferred: knowledge of EMV, contactless standards, ISO 8583, card brand certifications or payment gateway integrations

Responsibilities

• Translate business requirements and payment processes into test requirements for web, API, and terminal solutions
• Identify and assess risks affecting transaction accuracy, funds movement, and data security; implement mitigations
• Create test strategies ensuring functionality, performance, reliability, and payment industry standards
• Collaborate with leads and engineers to plan testing across web, API, and terminal layers
• Execute end-to-end testing of the full transaction lifecycle from card presentment to settlement and reconciliation
• Test terminal behavior across entry methods (chip, NFC, swipe, manual), PIN, receipts, and error handling
• Test device-specific scenarios: connectivity loss, offline modes, power interruption, firmware updates
• Perform API testing of payment, webhook, and reporting endpoints; validate requests, responses, error codes, idempotency
• Verify web components like merchant portal and hosted checkout across browsers/devices
• Record, log, and track defects with steps, logs, and transaction IDs; coordinate with dev team
• Assess test results to identify defects including discrepancies in amounts, statuses, or settlement data
• Support certification and compliance testing (card brands, EMV, PCI related)
• Own a workstream (e.g., terminal software or payment APIs) throughout project life cycle
• Maintain device test lab with terminals, peripherals, test cards, firmware versions
• Participate in daily engineering meetings to update status
• Assist in-house support with defect exploration and escalations

Skills

End-to-end testing

Test automation

Defect tracking

Communication

Tools

Postman

Azure Table

Job description

Job Summary

The individual in this role will create test documentation, perform end-to-end testing, and build and execute automated test cases for our payments platform, including web-based applications, APIs, and physical payment terminals. Competitive candidates have 2+ years of experience in a QA function, including executing test scenarios for transaction-processing systems and providing comprehensive results. We have an opening for an on-site QA in Ft Wayne, In and an opening for a remote position.

Duties and Responsibilities

• Translate business requirements and payment processes (authorization, capture, void, refund, settlement, reconciliation) into test requirements and configuration settings for web, API, and terminal solutions.
• Identify and assess risks to programs or projects, especially those affecting transaction accuracy, funds movement, and data security, and recommend and implement mitigation strategies.
• Create test strategies that ensure solutions meet standards of functionality, performance, reliability, and payment industry requirements.
• Collaborate with team leads and engineering resources to plan the testing approach across web, API, and terminal layers.
• Execute end-to-end testing of the full transaction lifecycle, from card presentment at the terminal through processor response, settlement, reporting, and reconciliation, according to set deadlines.
• Test terminal behavior across entry methods (chip, contactless/NFC, swipe, manual entry), PIN entry, receipt generation, and error handling.
• Test device-specific scenarios such as connectivity loss, offline or store-and-forward modes, power interruption, and firmware and application updates.
• Perform API testing of payment, webhook, and reporting endpoints, validating request/response accuracy, error codes, and idempotency.
• Verify web components, including merchant portal, hosted checkout, and admin tools, across browsers and devices.
• Support and complete test orchestration across environments, test cards, sandbox and processor simulators, and device fleets, using analysis, experience, and sound decision-making.
• Record, log, and track defects with clear reproduction steps, logs, and transaction IDs, and coordinate resolutions with the development team and functional leads.
• Assess test results to quickly identify and document defects, including discrepancies in transaction amounts, statuses, fees, or settlement data.
• Support certification and compliance testing, such as card brand, EMV, acquirer/processor, and PCI-related requirements.
• Direct projects from a quality assurance perspective, keeping both the merchant and the cardholder experience in mind.
• Independently own a workstream or product line (for example, terminal software, merchant portal, or payment APIs), covering review and testing activities throughout the project life cycle.
• Maintain the device test lab, including terminals, peripherals, test cards, and firmware versions.
• Participate in daily engineering meetings to update teammates and management on status.
• Assist the in-house support team with product defect exploration, as needed, including: High-level technical assistance and escalations for merchants, partners, and internal staff.
• Troubleshooting and analyzing issues related to transactions, terminals, reports, and data.
• Present product expertise in training and implementation environments.
• Build and execute automated test cases for web and API layers and identify opportunities to automate terminal testing.
• Perform other duties as assigned.

Education and Experience

• 2-5 years of experience in a QA role, including: System, integration, and user acceptance testing
• Test plans, documentation, and execution across multiple development deliverables
• Testing web applications and REST APIs (e.g., Postman or similar tools)
• At least 2 years of Azure Table or relevant database experience, including querying transaction data to validate results
• Preferred: experience in payments, fintech, or financial services
• Preferred: experience testing POS terminals or other physical devices (e.g., Verifone, Ingenico, PAX)
• Preferred: familiarity with EMV, contactless standards, card brand certification, ISO 8583, or payment gateway and processor integrations

Knowledge, Skills and Abilities

• Strong understanding of end-to-end payment flows, including authorization, settlement, chargebacks, refunds, and reconciliation.
• Working knowledge of payment concepts such as tokenization, encryption, and PCI DSS, along with secure testing practices for sensitive cardholder data.
• Knowledge of the technical aspects of business systems and infrastructure, including networks, terminal connectivity, and device management.
• Highly organized and detail-oriented, with particular care where money movement is involved.
• Excellent problem-solving and communication skills.
• Well-versed in test automation, end-user desktop tools, and information security.
• Ability to maintain a positive and professional attitude in a fast-paced envir