Senior Payments Backend Engineer

New

Skills

Api Development Payment Processing Security Standards

We are seeking an experienced Senior Backend Engineer to help architect and build a comprehensive card issuing platform from the ground up. This is a remote, contract-based opportunity (3-4 months) open to global candidates with some required EST hours overlap. You will play a pivotal role in designing and implementing secure, scalable payment infrastructure, ensuring PCI-DSS compliance, and enabling seamless financial transactions for a new fintech initiative.

Job Overview
  • Lead the development of a secure, market-ready card issuing platform.
  • Design and implement core payment infrastructure supporting merchant accounts and cardholder provisioning.
  • Build systems for multi-source funding, transaction approval, and internal debit card ledger management.
  • Ensure compliance with PCI-DSS and industry security standards from day one.
  • Take ownership of mission-critical backend services powering real-money transactions.
Key Responsibilities
  • Architect and build the card issuing platform and payment infrastructure.
  • Develop merchant account creation, cardholder management, and transaction funding systems.
  • Implement approval engines with status checks, spend limits, and MCC controls.
  • Design and maintain a multi-BIN debit card ledger system.
  • Guarantee PCI-DSS compliance for all payment systems.
Requirements & Qualifications
  • 5+ years of backend engineering experience within payments or fintech.
  • Proven track record of building PCI-DSS compliant solutions.
  • Expertise in card issuing, payment processing, or ledger systems.
  • Deep understanding of payment industry regulations and data security standards.
  • Experience designing scalable, secure APIs and financial data models.

Job Type: Remote

Salary: Not Disclosed

Experience: Entry

Duration: 12 Months

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