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Principal Engineer, Payments Infrastructure

1 month ago
United States
Full-time
Lead
Technical Lead
Software Development
Apply Now
Phoenix Ecommerce Technologies

Phoenix Ecommerce Technologies

Phoenix Ecommerce Technologies is the operating system of performance commerce. We unify storefronts, checkout, payments, and CRM into a single AI-native platform that helps direct response merchants make the most money, with the least headache, on their own terms.

information technology & services
11-50
Founded 2024
View All Jobs 8

Description

  • Evolve processor, gateway, vault, checkout, and payment-rail integrations across providers including Adyen, NMI, VGS, Spreedly, and Stripe Connect.
  • Own payments product discovery, roadmap, specifications, implementation, rollout, and outcome metrics.
  • Design merchant-facing dashboards and agent experiences for routing, MID health, payment setup, and remediation.
  • Own tokenization and credential lifecycles across vaults, wallets, network tokens, provisioning, storage, updates, and expiry.
  • Lead payment-method portability, including stored credential and Apple Pay and Google Pay migrations between providers.
  • Improve authorization and approval rates through decline analysis, retry and cascading logic, 3DS, routing, BIN strategy, and card updater systems.
  • Build dispute, chargeback, fraud-notification, and card-brand monitoring infrastructure and connect its signals to payment operations.
  • Own payment reliability, including SLOs, telemetry, on-call, incident response, idempotency, reconciliation, and PCI operational practices.
  • Raise engineering standards through tested and documented code, ADRs/RFCs, and an agentic software development lifecycle.

Requirements

  • 10+ years building and shipping production software, with principal-level impact and current hands-on application coding.
  • Deep production payments experience at a PSP, gateway, vault, orchestration layer, or other payments-focused company.
  • Hands-on token vault experience and production ownership of Apple Pay and Google Pay provisioning, configuration, and domain verification.
  • Strong understanding of cryptograms, network tokens, network transaction IDs, DPAN/MPAN, and PCI scope.
  • Experience migrating stored credentials or wallet tokens between providers, vaults, or processors.
  • Experience integrating and operating multiple acquirers, gateways, or PSPs, including routing or cascading.
  • Demonstrated authorization and approval-rate ownership, including decline analysis, retry strategy, and 3DS.
  • Experience with disputes, chargebacks, representment, fraud alerts, TC40/SAFE reporting, and card-brand monitoring programs.
  • Knowledge of idempotent payment operations, ledger or system-of-record design, and settlement reconciliation.
  • Experience owning production payment incidents from detection through merchant communication and financial remediation.
  • Daily use of AI coding agents such as Claude Code or an equivalent setup.
  • Strong product judgment, merchant-facing communication, technical writing, and ability to raise engineering standards.
  • Preferred: payment orchestration or multi-PayFac experience, high-risk or direct-response merchants, recurring billing, alternative payment methods/BNPL, or PCI DSS v4 assessments.

Interested in this position?

Apply directly on the company website

Apply Now

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