Software Architect - Payments

The people here at Apple don’t just create products. We create the kind of wonder that’s revolutionized entire industries. It’s the diversity of those people and their ideas that inspires the innovation that runs through everything we do, from amazing technology to industry-leading environmental efforts. Join Apple, and help us leave the world better than we found it.

Apple’s Wallet, Payments, and Commerce (WPC) teams are redefining how people pay, access, and interact with financial services every day. Our work powers experiences like Apple Pay, Apple Cash, Tap to Pay, and connected services that enable commerce at a global scale. We’re continuing to expand Apple Pay and Wallet to new markets, new partners, and new capabilities digitizing more of what people carry in their wallets.

We’re seeking a Distinguished Engineer to lead the technical vision for Apple’s global payment processing platform. This is a rare opportunity to define the architecture that underpins Apple’s payment platform, enabling secure, reliable, and scalable financial transactions across Apple’s global ecosystem.

At Apple there’s no playbook. Success comes from curiosity, hands-on engagement, and a willingness to tackle challenges from first principles. You’ll collaborate across disciplines, communicate complex ideas with clarity, and help define what world-class financial systems look like at Apple’s scale.

Minimum Qualifications

• Deep expertise in payments systems, including tokenization or transaction processing.
• Proven experience designing and evolving large-scale distributed systems serving millions of users and processing high-volume transactions.
• Strong foundation in cloud-native architectures and systems designed for scalability and resilience (experience with AWS or comparable cloud platforms).
• Track record of technical leadership, driving alignment and architectural direction across large, complex organizations.
• Demonstrated success influencing cross-functional decisions and guiding senior leaders on technology investments.
• Experience working with or building regulated systems and understanding compliance implications.
• Exceptional ability to communicate complex technical concepts to executive and engineering audiences alike.
• Demonstrated success mentoring and elevating technical talent across global teams.
• Bachelor’s degree in Computer Science, Engineering, or related field, or equivalent experience.

Preferred Qualifications

• Experience collaborating with external partners, financial institutions, or payment networks.
• Familiarity with emerging payment standards and technologies shaping the industry’s future.
• Experience building or evolving shared platforms that serve multiple products or business units.