Role overview

Qualifications

10+ years building and operating backend systems, with Staff-level scope
Proven ability to own critical production workflows end-to-end
Strong system design fundamentals: reliability, consistency, data modeling, and pragmatic API/service boundaries
Clear communication and strong judgment in high-stakes, cross-functional environments

Responsibilities

Scope, design, build, and maintain APIs, services, and workflows that reliably process high-scale money movement and settlement
Own the architectural direction for the settlement domain in partnership with the CTO
Drive end-to-end execution for large, ambiguous initiatives
Improve correctness and operational safety across settlement flows

Key facts

Remote from: United States
Full time
Senior (5-10 years)
Software Engineer
255 - 255K yearly
English

Hard skills

Ruby On Rails Amazon Web Services Kubernetes Systems Design Observability Data Modeling Design Documentation Critical Design Review (CDR) Reconciliation Payment Schedule Computer-Assisted Engineering Software Datadog

Other skills

Communication
Teamwork

About the company

PayNearMe

Financial Services

PayNearMe is the modern, reliable payments platform that facilitates cash, debit, credit, ACH and mobile-first payments, including Apple Pay, Google Pay, Cash App Pay, PayPal and Venmo, for thousands of businesses and government agencies nationwide. With its great mobile experience, PayNearMe’s technology provides a simple way for businesses to collect payments through an intuitive, consistent experience for their customers. In addition, payment reminders and mobile wallet integration drive more on-time payments. To make a cash payment in their own neighborhood, consumers visit any of our 40,000 trusted locations in the U.S., which include 7-Eleven®, Walmart®, Family Dollar®, Casey's General Stores® and ACE Cash Express stores. PayNearMe processes cash payments for the IRS, Comcast, Greyhound, Oportun and the California Department of Child Support Services, among others. PayNearMe is offered by PayNearMe MT, Inc., which is a wholly owned subsidiary of PayNearMe, Inc. Follow PayNearMe on Twitter and Facebook. © 2023 PayNearMe Inc. All rights reserved. Money transmission services are provided by PayNearMe MT, Inc, a wholly owned subsidiary of PayNearMe, Inc.

Company details

Company typeSME

IndustryFinancial Services

Company size201 - 500

Links

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Job description

Company Description

At PayNearMe, we’re on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM™, is the first of its kind—designed to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.

Our single platform handles it all: cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results.

In September 2025, we raised a $50 million Series E funding round to accelerate our growth.

We’re a team of 300+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ.

Join us and be part of a team that’s shaping the future of payments—one experience at a time.

Job Description

This position is part of our Settlement Team that owns the workflows that ensure funds move accurately and on time from payment events through settlement, reconciliation, adjustments, and reporting. We partner closely with Product, Reconciliation, Accounting, Finance, and Support to keep the platform trustworthy at scale.

Our core stack is Ruby on Rails (money movement monolith) plus Go microservices on AWS/Kubernetes, with Datadog for observability, Looker for analytics, and Docker for local development.

In this role, you’ll expand and strengthen PayNearMe’s settlement platform: designing systems that handle high-throughput money movement, making them easier to operate, and helping teams ship changes safely.

Responsibilities

Scope, design, build, and maintain APIs, services, and workflows that reliably process high-scale money movement and settlement.
Own the architectural direction for the settlement domain in partnership with the CTO; produce and maintain architecture documentation (current state, target state, and migration plan) and drive alignment across teams.
Review and approve architecture decision records (ADRs) and technical designs for settlement-related changes; ensure decisions meet standards for correctness, operability, security, and long-term maintainability.
Drive end-to-end execution for large, ambiguous initiatives: reduce risk early, align stakeholders, and deliver in phases.
Improve correctness and operational safety across settlement flows: deeply understand how money moves end-to-end (timing, state transitions, adjustments, exceptions), design for edge cases, and implement idempotency, reconciliation guarantees, safe backfills, incident readiness, and disciplined releases.
Partner with Engineering Manager, Product, Performance, CTO, and other Staff peers to shape roadmaps and strategy for settlement—develop deep expertise in both the technical system and the business needs (what clients require from settlement, reporting, timing, and exception handling) and translate that into durable platform capabilities.
Raise engineering standards across the team and broader org by partnering with other Staff engineers to define and drive consistent patterns for building and operating money- movement systems (design reviews, abstractions, testing strategy, observability, and operational practices) across monolith + microservices.
Drive adoption of AI-assisted engineering practices (tooling, workflows, guardrails) to improve throughput and quality—especially for testing, incident response, code review, and documentation.

Qualifications

10+ years building and operating backend systems, with Staff-level scope (cross-team influence, major initiatives, long-term technical direction).
Proven ability to own critical production workflows end-to-end (design, delivery, on- call/ops, iterative hardening).
Strong system design fundamentals: reliability, consistency, data modeling, and pragmatic API/service boundaries.
Demonstrated ownership of architectural direction for a complex domain, including writing ADRs/tech specs and driving alignment across teams.
Ability to move between high-level architecture and hands-on coding.
Clear communication and strong judgment in high-stakes, cross-functional environments.
Comfortable adopting AI-assisted engineering workflows to improve velocity and quality while maintaining strong engineering and review standards.
Ability to develop deep domain expertise and connect technical decisions to client/business outcomes (e.g., settlement requirements, reporting needs, and exception handling).

Preferred qualifications

Payments/fintech experience (or other regulated/high-integrity domains).
Strong experience with Ruby on Rails in large systems and/or significant experience building Go services at scale.
Experience with AWS + Kubernetes or similar service operations, and observability practices (Datadog/SLOs).
Track record decomposing or evolving a monolith while keeping critical workflows stable.
Experience serving as a reviewer/approver for major technical designs (ADRs, architecture reviews) in a high-integrity domain.
Experience building reconciliation/settlement, ledger-adjacent systems, or financial reporting pipelines.

The annual base salary range for this role represents PayNearMe's good-faith estimate of the base salary it reasonably expects to offer for this position at the time of hire. Actual compensation may vary based on factors including the candidate's experience, qualifications, skills, and work location. PayNearMe may offer compensation outside of this range in certain circumstances. This position will remain posted until filled.

Annual Salary Range

$210,000—$255,000 USD

Why Join Us?:

Competitive salary and benefits with growth-company options grant
Fast- paced and professional work culture
Stock options with standard startup vesting - 1 year cliff; 4 years total
$50 monthly communication expense stipend to go towards your phone/internet bill
$250 stipend to enhance your WFH setup
Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200)
Premium medical benefits including vision and dental (100% coverage for employees)
Company-sponsored life and disability insurance
Paid parental bonding leave
Paid sick leave, jury duty, bereavement
401k plan
Flexible Time Off (our team members typically take off ~3-4 weeks per year)
Volunteer Time Off
13 scheduled holidays

PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders.

We’re in this together to do the right thing. We deliver real results we are proud of while remaining respectful, transparent, and flexible.

PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply.

CALIFORNIA CONSUMER PRIVACY ACT: APPLICANT NOTICE

Effective Date: January 1, 2020

Last Reviewed on: December 23, 2019

PayNearMe, Inc. (the “Company”) is providing you with this Notice (“Notice”) to inform you about:

the categories of Personal Information that the Company collects and maintains about applicants; and
the purposes for which the Company uses that Personal Information.

For purposes of this Notice, “Personal Information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly with, a natural person that the Company may collect in connection with screening applicants for job openings at the Company.

Identifiers and Professional or Employment-Related Information. The Company collects identifiers and professional or employment-related information, which may include some or all the following: real name, nickname or alias, postal address, telephone number, e-mail address, membership in professional organizations, professional certifications, language skills, and current and past employment history. The Company collects this Personal Information to evaluate previous job performance and consider applicants for positions, to develop a talent pool and plan for succession, to conduct applicant surveys, to maintain an internal applicant directory and for purposes of identification, to promote the Company as a place to work, and for workforce reporting and data analytics/trend analysis.
Personal Information Categories from Cal. Civ. Code § 1798.80(e). The Company may collect categories of Personal Information listed in Cal. Civ. Code §1798.80(e), other than those already listed above, (a) to the extent necessary to comply with the Company’s legal obligations, such as to accommodate disabilities; (b) to conduct a direct threat analysis in accordance with the Americans with Disabilities Act and state law; (c) for occupational health and safety compliance and record-keeping; and (d) to respond to an applicant’s medical emergency.
Characteristics of Protected Classifications Under California or Federal Law. The Company may collect information about race, age, national origin, disability, sex, and veteran status as necessary to comply with legal obligations, including the reporting requirements of the federal Equal Employment Opportunity Act, the federal Office of Contracting Compliance Programs (applicable to government contractors), and California’s Fair Employment and Housing Act. The Company collects this Personal Information for purposes including: to comply with Federal and California law related to accommodation. The Company also collects this category of Personal Information on a purely voluntary basis, except where required by law, and uses the information only in compliance with applicable laws and regulations.
Education Information. The Company collects education information such as resumes and graduation records. The Company collects this Personal Information to determine suitability for roles, to determine eligibility for training courses, and to assist with professional licensing.
Profile Data. The Company may collect profile data, including the following: psychological assessments, behavior analyses, or other profiling of its applicants. The Company collects this Personal Information to determine aptitude for certain positions and job assignments as well.
Background Screening Information. In the event that an applicant is given a formal job offer, the Company collects background screening information prior to hiring, including results of the following types of background screening: criminal history; sex offender registration; motor vehicle records; credit history; employment history; drug testing; and educational history. The Company collects this Personal Information to screen for risks to the Company and its clients, and continued suitability for their jobs and to evaluate applicants for promotions.