Software Engineer: Back-End II (Android / Payments)

Capitec Bank Ltd.; Stellenbosch; On-site; ZAR 800,000 - 1,100,000; Full time

Job summary

Capitec Bank Ltd. in Stellenbosch seeks a Software Engineer: Back-End II (Android / Payments) to join the Payments Technology team.

You will design, develop, test, deploy and maintain native Android applications on POS devices and the server-side services that power them. You will work across the full payments stack, integrating with terminal hardware, handling EMV and ISO 8583 messaging, and delivering reliable, real-time transaction processing at scale.

Qualifications

• 3+ years' proven experience in software development, including native Android and back-end development.
• Hands-on commercial experience building native Android applications in Java and/or Kotlin.
• Practical experience with EMV protocol and ISO 8583 messaging.
• Experience integrating hardware peripherals on Android — card readers, NFC, PIN pads — via AIDL / IPC.
• Experience building and maintaining server-side components, APIs and services for transactional workloads.

Responsibilities

• Design, develop, test, deploy and maintain native Android apps for POS devices and backend services.
• Integrate with terminal hardware and payment peripherals (card readers, NFC, PIN pads).
• Ensure reliability, performance and transaction integrity in real-time payments.
• Collaborate with cross-functional teams on design and problem solving.
• Deploy and manage server-side components that support transactional workloads.

Skills

Analytical Skills

Attention to Detail

Communications Skills

Interpersonal & Relationship mgmt

Education

Grade 12 National Certificate / Vocational

A relevant tertiary qualification in Information Technology

Tools

Android SDK

Java / Kotlin

EMV protocol

ISO 8583 messaging

RESTful APIs

Kubernetes / containerisation

Job description

We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

Software Engineer: Back-End II (Android / Payments)

Purpose Statement

• As a level II Software Engineer in our Payments Technology team, you will play an integral part in a cross-functional team responsible for the full lifecycle of our card machine software, from concept and design, through development and testing, to deployment and ongoing operation in the field. You will design, develop, test, deploy, maintain and enhance native Android applications running on POS devices, as well as the server-side components that power them, translating requirements from the business or technical analyst and actively participating with the delivery team in design and problem-solving.
• You will work across the full payments stack: building the application in the merchant's hand, integrating directly with terminal hardware such as card readers, NFC and PIN pads, handling EMV and ISO 8583 messaging, and developing the back-end services that authorise, settle and report on every transaction. Reliability, performance and transaction integrity are non-negotiable, the code you write processes real money, in real time, at scale.

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Knowledge and Experience

*Experience:*

3+ years' proven experience in software development, project delivery and implementation, covering both native Android and back-end development

Hands-on commercial experience building native Android applications in Java and/or Kotlin

Practical experience with EMV protocol

Working knowledge of ISO 8583 financial messaging

Experience integrating hardware peripherals on Android — card readers, NFC, PIN pads — via AIDL / IPC

Demonstrable experience building and maintaining server-side components, APIs and services that support transactional workloads

*Knowledge:*

Is able to apply advanced knowledge of the following:

• Native Android application development and the Android SDK
• Advanced programming concepts
• Advanced algorithms and data structures
• Design Patterns
• Version Control
• Testing practices
• Database systems and query optimisation (e.g. SQL, NoSQL)
• RESTful API design and integration
• Cloud computing platforms and services (e.g. AWS, Azure)
• Advanced microservice and event-driven architectures
• Deployment using Kubernetes and containerisation
• Secure coding and transaction integrity within a payments environment

*Ideal:*

• Additional experience with React Native or Ionic/Capacitor alongside native Android
• Exposure to PCI PTS / PA-DSS standards
• DUKPT or MK-SK key management
• Prior experience at a payment terminal vendor or fintech (e.g. PAX, Ingenico, Verifone, ECentric, Synthesis)

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Interpersonal & Relationship management Skills

Additional Information

• Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06