Payment Solutions Architect

Key responsibilities

Payment tech stack and architecture

• Own the end-to-end payment architecture: checkout, authorization, capture, refunds, settlement and payouts across all PSPs.
• Design a payment abstraction layer so multiple PSPs sit behind one internal payment API, with routing, retries and failover between them.

• Keep transaction state, idempotency and ledger consistency correct across the full lifecycle.
• Write and maintain payment flow documentation, API contracts and architecture decision records.

PSP and acquirer integration

• Lead every new PSP and acquirer integration from scoping and sandbox testing to certification and go-live.
• Be the main technical contact for PSP tech and solutions teams (e.g. Nuvei, Airwallex, Stripe), including escalations and incident calls.

• Monitor PSP health and performance, and build smart routing based on approval rates, cost and availability.
• Assess the technical side of new PSP and partner proposals before we sign.

Payment method integration

• Integrate alternative payment methods and wallets (Apple Pay, Google Pay, local methods by market) and network tokens.
• Own webhooks, callbacks and asynchronous payment flows so payment status is always accurate.

3DS and authentication

• Own the 3DS2 / SCA implementation: frictionless vs challenge flows, exemptions (TRA, low value), and liability shift.
• Tune 3DS strategy with the risk team to balance fraud loss, approval rate and customer friction.

PCI DSS, data security and data management

• Own PCI DSS scope and annual compliance (SAQ or ROC) and keep card data out of our systems through tokenization and hosted fields where possible.
• Set and enforce controls for encryption, key and secrets management, access control and logging on payment data.

• Lead payment-related security incident response, including PSP and scheme notification steps.
• Own data retention, masking and data protection requirements (e.g. PDPA, GDPR) for payment and customer data.

Chargebacks and disputes

• Build and maintain the technical pipeline for chargebacks, retrievals, fraud alerts (TC40/SAFE), and dispute prevention tools (Ethoca, Verifi/RDR).
• Automate evidence collection and representment data feeds for the disputes team.

• Make sure chargeback, refund and alert data flows cleanly into risk monitoring.

Reporting and analytics

• Build payment reporting: authorization and decline rates by PSP, BIN, country and method; 3DS outcomes; chargeback and fraud ratios; fees and cost per transaction.
• Build automated reconciliation that matches internal records against PSP settlement reports and flags mismatches, duplicates and missing transactions.

• Set up threshold alerts for approval rate drops, decline spikes, settlement gaps and chargeback ratio spikes.

Backend and database management

• Own the payments data model and payment databases: schema, data quality, performance and audit trail.
• Review payment-related code and releases; nothing payment-critical goes live without sign-off.

• Make sure payment events and metrics are logged and observable for monitoring and investigations.

Working with the backend team

• Turn payment and risk needs into clear technical requirements for the backend team and agree delivery priorities.
• Work with the backend team on shared infrastructure, deployments and security controls.

Requirements

• 8+ years in software engineering or technical payments roles, with 4+ years hands-on in card payments at a PSP,acquirer, payment gateway, or a merchant with multi-PSP setup.
• Delivered multiple PSP or acquirer integrations end to end in production (REST APIs, webhooks, SDKs, hosted payment pages).

• Strong knowledge of the card payment lifecycle: authorization, capture, clearing, settlement, refunds, and the four-party model.
• Hands-on with 3DS2 / SCA, tokenization (network and PSP tokens), BIN data, AVS/CVV, and decline code handling.

• Working knowledge of Visa and Mastercard rules, including chargeback reason codes and dispute lifecycle.
• Practical PCI DSS experience: scoping, SAQ/ROC, and reducing scope through tokenization.

• Solid backend skills: API design, distributed systems, SQL and database design, logging and monitoring.
• Built payment reporting or reconciliation (approval rates, settlement matching, fees).

Nice to have

• Experience with payment orchestration platforms or building smart routing and cascading.
• Hands-on with dispute prevention tools (Ethoca, Verifi/RDR) and fraud tools (device intelligence, risk scoring).

• Experience with digital goods, subscriptions, telecom/eSIM, or streaming payments, and their high-risk MCC considerations.
• Cross-border payments across APAC, North America and other regions, including local payment methods.

• Cloud security experience (AWS or similar), secrets management, and security incident response.