Senior PHP Developer (Payments)

Job description

💻 We’re hiring: Senior PHP Developer (Payments)

We’re building next-gen payment infrastructure for high-volume, high-risk merchants.

Looking for a Senior PHP Developer to build and scale core payment systems — integrations, APIs, and backend architecture.

⚙️ Must have

- 5+ years of hands-on production experience in fiat/card payments ⚙️

- Deep understanding of card payment infrastructure and full payment lifecycle

- Strong experience integrating acquirers, PSPs, and payment processors

- Solid knowledge of card network rules and technical specifications

- Hands-on expertise with 3-D Secure (3DS2), Merchant-Initiated Transactions (MIT), and card-on-file / recurring payments

- Strong understanding of payment authentication data (CAVV, trace IDs, transaction indicators, etc.)

- Proven ability to debug and audit payment flows at request/response level

- Experience implementing integrations strictly according to processor/acquirer/network specs

🧠 Engineering & Architecture

- Strong full-stack / backend engineering background

- Experience designing APIs and complex billing/payment systems

- Familiarity with MoR / PayFac architecture (strong plus)

- Ability to independently architect and build a V1 payment platform from 0→1

- Comfortable being the first/solo engineer in a high-ownership environment

- Strong debugging skills and experience handling production incidents

🤖 AI-native workflow

- Actively uses AI tools (Claude, Copilot, Cursor, or similar) 🤖

- Uses AI for coding, debugging, code review, and validating implementations against specs

- Treats AI as a core productivity multiplier, not just an assistant

⭐ Nice to have

- Experience with Merchant of Record (MoR) or PayFac models

- Building payment infrastructure (not just integrating PSPs)

- Experience with multiple acquirers/processors

- Exposure to complex international payment flows

- Crypto + fiat integrations (crypto as an addition, not a replacement for fiat expertise)

- Early-stage startup experience

💎 What we offer

- Opportunity to build a core payment platform from scratch

- Full ownership of architecture, infrastructure, and product decisions

- Fast-paced, low-bureaucracy environment with real impact

- Highly technical, challenging engineering problems

- Freedom to apply an AI-first engineering workflow