Senior Software Engineer, Backend

Payabli is the Intelligent Fintech Operating System for software platforms. If you are a software company, you are a fintech company, and Payabli is your operating system. Built by payments industry and SaaS veterans and powered by its own models, Payabli gives platforms everything they need to embed, manage, and monetize financial services through a single developer-friendly API spanning Pay In, Pay Out, and Pay Ops. Intelligence is not a layer on top, it is the foundation, expressed through Amigo™, Payabli's native AI Agent Suite, and a growing set of capabilities that make payment operations smarter and more autonomous.

Payabli gives software companies PayFac capabilities without the heavy lift, administrative burden, or cost of becoming a payment facilitator themselves. With PayFac-as-a-Service, embedded payment acceptance and issuance, and intelligent payment operations, platforms turn payments into a meaningful revenue stream while staying focused on their core product.

Payabli is backed by world-class fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, and was recently named to the Forbes Fintech 50.

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About the Role

We are looking for a Senior Software Engineer, Backend to join our team and help build the backend of Payabli's interfaces and integrations that sit between complex financial infrastructure and the humans who use it every day – merchant dashboards, onboarding flow, embeddable components, and white-label experiences consumed by our platform partners and their end users.

In this hands-on role, you'll design and build the services that power intelligent payment routing, connector management, token intelligence, and platform configuration. You'll work on complex, high-scale systems that enable merchants to optimize payment performance while building secure, extensible infrastructure for the future of payments.

You'll collaborate closely with Product, AI, and Engineering teams, mentor junior engineers, and play a key role in shaping the architecture of a platform used by substantial enterprise customers.

What you will Do:

• Design, build, and maintain scalable backend services using C#/.NET

• Develop the core infrastructure that powers payment routing, connector management, and platform configuration.

• Design secure, extensible APIs that support both customer-facing applications, direct integrations and AI-powered workflows.

• Build reliable, observable services that process high-volume payment transactions with performance and resilience in mind.

• Contribute to platform architecture, engineering standards, and technical decision-making.

• Continuously improve system performance, security, reliability, and developer experience.

• Collaborate closely with other service owning teams to integrate via APIs and real-time data streams, ensuring seamless data flow across the stack & overall platform

• Raise the bar: Lead code reviews, champion backend standards, and drive architectural decisions that keep the codebase healthy as we scale.

• Multiply the team: Mentor engineers around you and elevate backend engineering quality across the organization through pairing, documentation and leading by example.

• Own the full lifecycle: Work across requirements, implementation, testing, and deployment. We don't throw things over the wall here.

• Sweat the details: Optimize for performance, accessibility, and cross-browser compatibility.

What we are looking for:

• 5+ years of experience building production backend services.

• Strong experience with C# and the .NET ecosystem.

• Strong experience in Payments, FinTech, or other high-volume transaction processing environments.

• Experience designing and building RESTful and/or event-driven APIs.

• Strong understanding of relational databases, data modelling, and distributed systems.

• Experience building secure, scalable cloud-based applications.

• Excellent problem-solving, communication, and collaboration skills.

• Ability to provide technical leadership while remaining hands-on in development.

We think you'll love being part of our team because

At Payabli, you'll have a front row seat into building a high-growth venture backed fintech company. As a senior leader in Operations, you'll shape how the organization scales and be the driving force behind our AI-first operations strategy — directly influencing how we build, automate, and optimize for the future. You'll stretch yourself every day, learn a ton, grow alongside the company, and have a lot of fun building Payabli with us. We're a values driven company that cares deeply about our team, partners, and customers. Our north star values are:

🤝 Team Love = Customer Love — You understand that when you build great products for your internal partners, they deliver exceptional experiences to merchants. You obsess over the platform partners and businesses that depend on every payout landing on time.

🔥 Run to the Fire — When ACH returns spike or a card program hits a snag, you're the first one in the war room. You don't shy away from hard problems—you chase them. You volunteer for the complex, messy challenges others avoid.

🔍 Little Things Count — You sweat the details because you know a single decimal error in a payout can damage a business. You double-check edge cases, validate every assumption, and understand that excellence lives in the details.

💎 Truth Seekers — You give direct feedback, receive it with grace, and never let ego get in the way of finding the right answer. You document what you don't know, admit mistakes quickly, and hold yourself accountable in the open.

🚀 Relentlessly Curious — You're constantly asking "what if?" and "why not?" You study how competitors solve problems, explore adjacent industries for inspiration, and never stop learning about the payments ecosystem.

We build technology that gets noticed and a workplace where people want to grow their careers. Our work has been recognized by some of the industry’s most respected organizations, including being named No. 43 on the 2026 Inc. 5000, marking our third consecutive year on the list. Payabli was also named to the 2026 Forbes Fintech 50, recognizing the most innovative private companies in financial technology, Inc.’s 2025 Best Workplaces, and Built In’s 2026 Best Places to Work in Miami.

What we can offer you

• Competitive salary

• Stock options with the potential to unlock more equity as we grow

• Flexible PTO and paid parental leave

• Medical, dental, & vision insurance

• 401K, HSA, pre-tax savings programs

Payabli is an equal opportunity employer and values a diverse, inclusive workplace.

Principals only. No external agency submissions. Candidates must apply directly; We will not accept submissions from third-party recruiters or staffing agencies.