backend developer in card payments

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• Define and evolve solution architecture for card acquiring and processing capabilities, covering authorization, switching, routing, clearing, settlement, and reconciliation
• Design end-to-end transaction flows for card-present and card-not-present scenarios, including authorization, capture, reversals, refunds, and exception handling
• Design integration patterns with card schemes, processors, banks, payment gateways, and merchant-facing systems, including ISO 8583 message flows and scheme-specific variations
• Define resilience and failure-handling patterns for high-throughput, low-latency transaction processing, including idempotency, retries, timeouts, duplicate detection, and recovery
• Ensure the architecture meets PCI DSS and payment security requirements, including cardholder data protection and tokenization
• Translate business and product requirements into technical solutions and communicate architecture decisions across engineering, product, and business teams
• Contribute hands-on to implementation when needed, particularly for complex transaction processing, integrations, and core platform components
• Define technical standards and review solution designs and implementations across engineering teams
• Contribute to the evolution and modernization of payment processing capabilities and legacy components where relevant

• Strong experience as a Solution Architect, Technical Architect, or Lead Architect in card acquiring or payment processing
• Proven experience designing or significantly evolving an acquiring platform, payment switch, or card transaction processing system, including real-time switching and routing
• Deep understanding of the acquiring transaction lifecycle: authorization, capture, reversals, refunds, clearing, settlement, and reconciliation
• Strong practical knowledge of ISO 8583, including message flows and scheme-specific implementations
• Strong knowledge of card-present and card-not-present transaction processing
• Good understanding of EMV and 3-D Secure transaction flows
• Experience integrating with card schemes, processors, banks, payment gateways, or merchant-facing systems
• Strong understanding of distributed systems, including idempotency, retries, timeouts, duplicate handling, and recovery scenarios
• Experience designing high-availability, high-throughput, low-latency transactional systems
• Good understanding of PCI DSS, cardholder data security, tokenization, and payment security principles
• Strong software engineering background with recent hands-on development experience and the ability to contribute directly to production code when needed
• Excellent communication and stakeholder management skills
• Upper-Intermediate or higher English
• Будет плюсом: Hands-on experience designing and certifying direct acquiring integrations with major card schemes such as Visa, Mastercard, UnionPay, JCB, American Express, and Discover; experience with both POS and e-commerce acquiring; experience with HSMs, PIN processing, payment cryptography, and key management; hands-on work with scheme clearing files and settlement processes such as Visa BASE II and Mastercard IPM; experience with processing platforms such as Way4, BASE24, SmartVista, TranzAxis, or similar; experience with acquiring platform modernization or migration; experience with event-driven or microservices-based transaction processing architectures

• Условий в вакансии нет