Solution Architect (Payments)

Role overview Define and guide architecture for card acquiring and payment processing systems, from transaction flows to scheme and partner integrations. You’ll work with product, business, and engineering stakeholders to turn payment requirements into resilient technical designs, and contribute directly to implementation when complex platform work calls for it.

Responsibilities - Design architecture for authorization, switching, routing, clearing, settlement, and reconciliation capabilities. - Specify end-to-end flows for in-person and online transactions, including captures, reversals, refunds, and exception handling. - Plan integrations with card schemes, processors, banks, gateways, and merchant systems, including ISO 8583 message flows. - Define reliability patterns for high-volume processing, such as idempotency, retries, timeouts, duplicate detection, and recovery. - Address PCI DSS and payment security needs, including protection of cardholder data and tokenization. - Review designs, set engineering standards, help implement core components, and guide modernization of existing capabilities.

Requirements - Significant architecture experience in card acquiring or payment processing, with a track record shaping an acquiring platform, payment switch, or transaction processing system. - Deep knowledge of the acquiring lifecycle, including authorization, capture, reversals, refunds, clearing, settlement, and reconciliation. - Practical knowledge of ISO 8583 and card-present and card-not-present processing; understanding of EMV and 3-D Secure flows. - Experience integrating with payment schemes, processors, banks, gateways, or merchant-facing systems. - Strong understanding of distributed systems and high-availability, high-throughput, low-latency transaction design. - Recent hands-on software development experience, strong communication skills, and upper-intermediate or higher English.

Nice to have - Direct scheme integrations or certification experience, POS and e-commerce acquiring, HSMs, PIN processing, cryptography, or key management. - Familiarity with scheme clearing files, settlement processes, established processing platforms, platform migrations, or event-driven architectures.