Senior Backend Engineer - Payments (Go, TypeScript, Node.js)

Spd-Technology; United States; Remote; USD 140,000 - 210,000; Full time

Job summary

SPD Technology is seeking a Senior Backend Engineer to join our payments platform. You will own critical backend flows for merchant payments, payouts, and settlement, building resilient integrations with processors and banks.

You'll work remotely with a US-based team, contributing to architecture decisions, implementing secure data practices, and delivering scalable, high-availability services in Go, TypeScript, and Node.js.

Qualifications

• 6+ years of professional software engineering experience.
• At least 3 years of hands-on experience with payment systems or processing.
• Strong backend experience with Go, TypeScript, and Node.js.
• Experience owning production payment flows end-to-end.
• Experience integrating payment processors, gateways, or acquirers such as Stripe, Adyen, Braintree, Checkout.com, Worldpay, Fiserv.
• Understanding of PCI DSS and secure data handling.
• Strong English communication and ability to work with a US-based team.

Responsibilities

• Own end-to-end payment flows in TS/ NestJS: authorization, capture, void, refund, disputes, payouts.
• Build and maintain acquirer and processor integrations.
• Design hosted checkout experiences that keep cardholder data out of internal systems.
• Implement fee calculation and rate logic, including tiers and interchange-plus.
• Build reconciliation and settlement layer to match processor reports.
• Design event handling with idempotency, retries, and state machines.
• Integrate fraud and KYC providers and manage ACH mechanics and retries.
• Maintain audit trails and reconciliation evidence.
• Advise product on rail capabilities and review payment-adjacent code.

Skills

Go

TypeScript

Node.js

Payments

English communication

Tools

Stripe

Adyen

Braintree

Checkout.com

Worldpay

Fiserv

Job description

About us

At SPD Technology, we bring together a team of like-minded people who are driven by the desire to bring value through their work, united in their commitment to high performance and delivering custom, cutting-edge tech solutions that drive clients' growth. We empower our people with a culture of excellence, and enable them with the opportunity to uphold their accountability to contribute on each level. We value humanity and collaboration, encourage professional and personal growth, and foster a supportive and flexible work environment where everyone's contribution is welcomed.

We are looking for Senior Backend Engineer to join us as part of our team

About the role

As a Senior Backend Engineer you will join a product team building payment infrastructure for merchants and partner platforms. The platform enables businesses to accept payments, manage payouts, process card and bank transactions, and handle payment-related operations without relying on multiple disconnected providers.

The engineering challenges go far beyond basic payment integrations. The platform handles payment orchestration, transaction processing, settlement and reconciliation, payouts, fraud and KYC integrations, and complex failure scenarios across systems that the team does not fully control.

This role is a strong fit for an engineer who understands how money actually moves through payment systems and is comfortable owning critical backend flows end to end.

Tech Stack

Go, TypeScript, Node.js / NestJS, PostgreSQL, Event-driven backend services, Webhooks and asynchronous processing, Payment processor and acquirer integrations, Containerized cloud infrastructure, CI/CD

Work environment

Full-time, remote. Daily collaboration with a US-based team (4–6 hours of overlap with US Central Time is required)

As a qualified expert You will

• Own end-to-end payment flows in TypeScript/NestJS services: authorization, capture, void, refund, dispute handling, and payout initiation and confirmation.
• Build and maintain acquirer and processor integrations, keeping the platform acquirer-agnostic behind clean internal abstractions.
• Design embedded and hosted checkout experiences (hosted fields, iframes, tokenization) that keep sensitive cardholder and bank data out of internal systems and minimize PCI scope.
• Implement fee calculation and rate logic, including tiers, interchange-plus, flat structures, rounding rules, special rates, and edge cases.
• Build the reconciliation and settlement layer to match processor reports and settlement files against internal records and surface breaks.
• Design event handling incorporating idempotency keys, out-of-order and duplicate webhooks, retries with backoff, and state machines.
• Integrate fraud, bank-account verification, and KYC providers, tuning decisioning against real outcomes.
• Handle ACH mechanics including submission windows, returns, return codes, NOCs, and retry rules.
• Ensure correctness in the domain, maintaining complete audit trails and producing reconciliation evidence.
• Act as the team's payments expert, advising product on rail capabilities and reviewing payment-adjacent code.

We're looking for you if you have

• 6+ years of professional software engineering experience.
• At least 3 years of hands-on experience with payment systems or payment processing.
• Strong backend engineering experience with Go, TypeScript, and Node.js.
• Direct experience owning production payment flows rather than only performing basic payment API integrations.
• Experience integrating payment processors, gateways, or acquirers such as Stripe, Adyen, Braintree, Checkout.com, Worldpay, Fiserv, or similar providers.
• Strong understanding of the card payment lifecycle, including authorization, capture, settlement, refunds, chargebacks, and disputes.
• Understanding of bank payment rails and preferably ACH/NACHA concepts, including returns and transaction timing.
• Experience with payment reconciliation and settlement.
• Strong understanding of webhooks, retries, idempotency, asynchronous processing, and distributed-system failure scenarios.
• Experience designing relational data models for transaction-heavy systems.
• Understanding of PCI DSS and payment-security patterns such as tokenization and isolation of sensitive payment data.
• Strong attention to correctness and edge cases, especially in financial systems.
• Fluency with modern AI-assisted development tooling.
• Strong English communication skills and confidence working directly with a US-based team.
• Ability to work with 4–6 hours of daily overlap with US Central Time.

Bonus points

• Experience with platform, marketplace, or facilitator models (split payments, sub-merchant onboarding, multi-party flows).
• Experience with payouts and disbursement rails, including bank-account collection, verification, and payout status handling.
• Experience with fraud and risk tooling, and bank-account validation services.
• Experience with e-commerce plugin or SDK development (WooCommerce, Shopify, Magento).
• Knowledge of multi-currency, cross-border, or alternative payment methods.
• Experience with event sourcing applied to financial state, and double-entry ledger design.

What's in it for You

Reveal great tech solutions

Join the team of experts who create custom, cutting-edge tech solutions for world-renowned businesses, fueling clients growth. Unleash your potential, tackle new challenges, and be part of a team that values your skills and contributions. Focus on long-term impact and building tailored, long-lasting partnerships with our clients.

Experience an agile and flexible working environment

Work fully remote around the globe, or in a hybrid work model from our office hubs which are equipped with everything needed for comfortable work. Enjoy a flexible working schedule and create work and rest balance for yourself. Empower yourself with a stable workload and a stable income, focusing on lasting cooperation and high-performance culture.

Embrace the opportunity for personal and professional growth

Take advantage of performance review and career path. Elevate your skills with mentorship program, personal development plan, and individual learnings through the corporate library, public speaking support, and more.

Feel cared about

Be among like-minded people and feel supported with collaboration, open communication and mutual respect. Join company-wide tech and cultural events, and contribute to meaningful CSR initiatives that resonate with your values.

Interview steps

1. Interview with Recruiter
2. Technical Interview
3. Client Interview.