Java Developer - EMV Kernel & Payments Expert

PBT Group; Cape Town; On-site; ZAR 900,000 - 1,200,000; Part time

Job summary

PBT Group is seeking an experienced Java Developer with hands-on EMV Kernel and payments domain expertise for a contract engagement in Cape Town. The role is embedded within the bank’s payments engineering team, focusing on EMV kernel functionality and end-to-end payment processing integration.

You will contribute to development, integration and maintenance of payment processing systems, collaborating with engineering and payments specialists to ensure secure, compliant operations within a

Qualifications

• 5-8 years of hands-on Java development experience.
• Experience in a payments/fintech or banking engineering environment.
• Familiarity with payment processing concepts: authorisation flows, settlement, reconciliation; ISO 8583 or ISO 20022 messaging.
• Ability to read and implement complex integration specifications and payment scheme documentation.
• Experience with REST and/or SOAP web services and API integration.
• Solid understanding of secure coding practices for financial systems (cryptography, TLS/SSL).
• Experience with CI/CD pipelines and version control (Git, Bitbucket, Jenkins).
• Strong debugging and problem-solving skills across infra and application layers.

Responsibilities

• Develop, maintain and enhance Java-based components within the payments processing stack.
• Work on EMV Kernel integration and transaction processing logic for chip-based and contactless payments.
• Build and maintain integrations between payment terminals, POS/ATM devices and core banking systems.
• Implement and maintain transaction processing workflows including FNOL, authorisation, settlement and reconciliation.
• Contribute to EMV certification processes and compliance with EMVCo, Visa, Mastercard and local schemes.
• Debug and resolve complex issues across the payments stack; ensure robust, tested code.
• Collaborate with payments domain specialists, infra engineers and business stakeholders.
• Produce technical documentation covering payment flows, integration specs and architecture decisions.
• Upskill on infra components and payment stack layers beyond current experience.

Skills

Java development

Payments domain

REST/SOAP API

CI/CD

Secure coding

Debugging

Git/Jenkins/Bitbucket

OOP design patterns

Infrastructure familiarity

Tools

Git

Jenkins

Bitbucket

Spring

Job description

PBT Group is seeking an experienced Java Developer with hands-on EMV Kernel and payments domain expertise for a contract engagement in Cape Town. The role is embedded within the bank’s payments engineering team, focusing on EMV kernel functionality and end-to-end payment processing integration.

You will contribute to development, integration and maintenance of payment processing systems, collaborating with engineering and payments specialists to ensure secure, compliant operations within a