Payments Engineer

over99

Payments Engineer focusing on fiat payment integration for a cutting-edge crypto gaming platform. Responsible for building secure, scalable systems for real money transactions.

Posted 6/4/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

Tech Stack

Tools & technologies

Distributed SystemsJavaScriptNode.jsPostgresRuby on Rails

About the role

Key responsibilities & impact

Integrate fiat payment methods (cards, bank transfers, e-wallets, local payment rails) through payment service providers, gateways, and aggregators
Build and operate core money-handling flows: deposits, withdrawals, refunds, payouts, chargebacks, and settlement
Design and develop ledger and balance-tracking systems that keep money movement accurate and auditable
Guarantee transactional integrity across distributed systems — idempotency, consistency, exactly-once processing, and safe retries
Handle PSP webhooks, callbacks, and asynchronous status updates, including reconciliation against provider records
Build and optimize scalable, low-latency Node.js services supporting high-throughput transactional workloads
Ensure the performance, reliability, and security of payment APIs
Collaborate cross-functionally with product, risk/fraud, finance, and other engineers to ship end-to-end payment features
Contribute to best practices across code quality, testing, CI/CD, and deployment, and share payments domain knowledge with the team

Requirements

What you’ll need

5+ years of professional backend software engineering experience
Hands-on experience integrating fiat payments, either through internal systems or via PSP/gateway APIs
Strong understanding of transactional correctness: idempotency, consistency, concurrency, and handling money safely under failure conditions
Proficiency with Node.js and building scalable back-end services
Experience with relational databases, ideally PostgreSQL
Solid grasp of distributed systems and client-server architecture
Experience with CI/CD pipelines and modern development workflows
A security- and reliability-first mindset

Benefits

Comp & perks

Competitive Salary – We pay top-of-market for top-tier talent
Remote-First Work Environment – Work from anywhere, collaborate globally
Generous Holiday Allowance – Take the time you need to rest and recharge
Flexible Time Off & Hours – We focus on output, not clocking in
Performance-Related Bonus – We reward real impact. Hit goals, share the upside

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Node.jsrelational databasesPostgreSQLbackend software engineeringpayment service providerspayment gatewaysledger systemstransactional integrityCI/CDasynchronous processing

Soft Skills

collaborationcross-functional teamworkcode qualitytestingdeploymentproblem-solvingattention to detailcommunicationreliability mindsetsecurity mindset