About us
At SPD Technology, we bring together a team of like-minded people who are driven by the desire to bring value through their work, united in their commitment to high performance and delivering custom, cutting-edge tech solutions that drive clients’ growth. We empower our people with a culture of excellence, and enable them with the opportunity to uphold their accountability to contribute on each level. We value humanity and collaboration, encourage professional and personal growth, and foster a supportive and flexible work environment where everyone’s contribution is welcomed.
We are looking for Senior Backend Engineer to join us as part of our team
About the role
As a Senior Backend Engineer you will join a product team building payment infrastructure for merchants and partner platforms. The platform enables businesses to accept payments, manage payouts, process card and bank transactions, and handle payment-related operations without relying on multiple disconnected providers.
The engineering challenges go far beyond basic payment integrations. The platform handles payment orchestration, transaction processing, settlement and reconciliation, payouts, fraud and KYC integrations, and complex failure scenarios across systems that the team does not fully control.
This role is a strong fit for an engineer who understands how money actually moves through payment systems and is comfortable owning critical backend flows end to end.
Tech Stack
Go, TypeScript, Node.js / NestJS,PostgreSQL, Event-driven backend services, Webhooks and asynchronous processing, Payment processor and acquirer integrations, Containerized cloud infrastructure, CI/CD
Work environment
Full-time, remote. Daily collaboration with a US-based team (4–6 hours of overlap with US Central Time is required)
As a qualified expert You will
Own end-to-end payment flows in TypeScript/NestJS services: authorization, capture, void, refund, dispute handling, and payout initiation and confirmation.
Build and maintain acquirer and processor integrations, keeping the platform acquirer-agnostic behind clean internal abstractions.
Design embedded and hosted checkout experiences (hosted fields, iframes, tokenization) that keep sensitive cardholder and bank data out of internal systems and minimize PCI scope.
Implement fee calculation and rate logic, including tiers, interchange-plus, flat structures, rounding rules, special rates, and edge cases.
Build the reconciliation and settlement layer to match processor reports and settlement files against internal records and surface breaks.
Design event handling incorporating idempotency keys, out-of-order and duplicate webhooks, retries with backoff, and state machines.
Integrate fraud, bank-account verification, and KYC providers, tuning decisioning against real outcomes.
Handle ACH mechanics including submission windows, returns, return codes, NOCs, and retry rules.
Ensure correctness in the domain, maintaining complete audit trails and producing reconciliation evidence.
Act as the team’s payments expert, advising product on rail capabilities and reviewing payment-adjacent code.
payment systems and is comfortable owning critical backend flows end to end.
We’re looking for you if you have
6+ years of professional software engineering experience.
At least 3 years of hands-on experience with payment systems or payment processing.
Strong backend engineering experience with Go, TypeScript, and Node.js.
Direct experience owning production payment flows rather than only performing basic payment API integrations.
Experience integrating payment processors, gateways, or acquirers such as Stripe, Adyen, Braintree, Checkout.com, Worldpay, Fiserv, or similar providers.
Strong understanding of the card payment lifecycle, including authorization, capture, settlement, refunds, chargebacks, and disputes.
Understanding of bank payment rails and preferably ACH/NACHA concepts, including returns and transaction timing.
