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Senior Software Engineer – Payments (Credit Card & Alternative Payments)

2 hours, 2 minutes ago
Serbia
Full-time
Senior
Software Engineer
Software Development
REST API
Apply Now
Xsolla

Xsolla

Xsolla is an international payment solution provider for online games, offering tools to launch, monetize, and scale games worldwide with local payment methods and fraud prevention.

Internet Software & Services
251-1K
Founded 2005
View All Jobs 68

Description

  • Implement and maintain scalable, fault-tolerant credit card payment processing services for authorization, clearing, and settlement.
  • Build and maintain integrations with acquiring banks, card networks, gateways, fraud providers, and tokenization services.
  • Design resilient routing, retry, and failover mechanisms across card payment connections.
  • Ensure transaction idempotency and correct state management across the full card payment lifecycle.
  • Support 3D Secure (3DS2), Strong Customer Authentication (SCA), card vaulting, and PCI DSS-compliant tokenization.
  • Build and maintain integrations for alternative payment methods, including wallets, bank transfers, BNPL, prepaid, voucher, and local payment methods.
  • Design flexible integration patterns to onboard new payment methods and handle asynchronous notifications, delayed confirmations, refunds, and settlement nuances.
  • Build automated reconciliation pipelines and reconcile internal ledgers against acquirer, network, and PSP reports.
  • Develop payment reporting, monitoring, and alerting for authorization, settlement, fees, conversion, disputes, and anomalies.
  • Integrate fraud detection and dispute management workflows, and participate in on-call rotations and incident response.

Requirements

  • 5+ years of software engineering experience, including at least 2+ years working on payment processing systems in production.
  • Hands-on experience with card payment flows, including authorization, clearing, settlement, reconciliation, and chargebacks.
  • Experience integrating with or building against one or more APM providers such as wallets, bank transfers, BNPL, or local payment methods.
  • Solid understanding of Visa/Mastercard four-party and Amex/Discover three-party payment models, including interchange, BIN logic, MCC codes, AVS, CVV, and 3DS/SCA.
  • Strong understanding of distributed systems concepts such as idempotency, eventual consistency, fault tolerance, and high availability.
  • Proficiency in designing and consuming RESTful and/or event-driven APIs in a payments context.
  • Familiarity with PCI DSS and payment data security fundamentals.
  • Strong debugging and incident response skills in complex, high-volume financial systems.
  • Experience at a PSP, acquirer, issuer, payment gateway, or fintech platform is preferred.
  • Familiarity with global payments, cross-border processing, FX, local settlement, regulatory considerations, high transaction volumes, gaming/digital goods/e-commerce payments, and audit or financial compliance reviews is a plus.

Benefits

  • Unlimited Flexible Time Off.
  • Personalized career roadmap for each employee.
  • Professional development through training and educational opportunities.
  • Support for physical, mental, and emotional well-being.
  • A supportive, collaborative company culture focused on creativity and play.

Interested in this position?

Apply directly on the company website

Apply Now

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