Senior Software Engineer - Payments (Credit Card & Alternative Payments)
External
Xsolla · SerbiaPrepare for this interview
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About the role
Xsolla is a global commerce company with robust tools and services to help developers solve the inherent challenges of the video game industry. From indie to AAA, companies partner with Xsolla to help them fund, distribute, market, and monetize their games. Grounded in the belief in the future of video games, Xsolla is resolute in the mission to bring opportunities together, and continually make new resources available to creators. Headquartered and incorporated in Los Angeles, California, Xsolla operates as the merchant of record and has helped over 1,500+ game developers reach more players and grow their businesses around the world. For more information, visit xsolla.com.
Requirements
- 5+ years of software engineering experience
- at least 2+ years working on payment processing systems in production
- Hands-on experience with card payment flows: authorization, clearing, settlement, reconciliation, and chargebacks.
- Experience integrating with or building against one or more APM providers (wallets, bank transfers, BNPL, local payment methods).
- Solid understanding of the four-party (Visa/Mastercard) and three-party (Amex/Discover) models , including interchange, BIN logic, MCC codes, AVS, CVV, and 3DS/SCA.
- Strong understanding of distributed systems: idempotency, eventual consistency, fault tolerance, and high availability.
- Proficiency in designing and consuming RESTful and/or event-driven APIs in a payments context.
- Familiarity with PCI DSS and payment data security fundamentals.
- Strong debugging and incident response skills in complex, high-volume financial systems.
- NICE TO HAVE
- Experience at a PSP, acquirer, issuer, payment gateway, or fintech platform.
- Familiarity with global payments and cross-border processing, including FX, local settlement, and regulatory considerations.
- Experience at high transaction volumes (10M+ monthly transactions).
- Exposure to authorization rate optimization and intelligent payment routing.
- Familiarity with the gaming, digital goods, or e-commerce payments landscape.
Benefits
Additional Information
ABOUT YOU We are seeking a highly skilled Senior Software Engineer - Payments to design, build, and maintain core components of our payment processing platform - spanning both credit card acquiring and alternative payment methods (APMs). Working closely with the Tech Lead and cross-functional partners in Product, Finance, and Risk, you will take ownership of critical payment flows across the full ecosystem: from real-time card authorization through clearing, settlement, and reconciliation, to wallets, bank transfers, local payment methods, and beyond. This role is for an engineer who thrives in complex, high-stakes financial systems, cares deeply about data integrity, and brings both the technical depth and collaborative instincts to contribute meaningfully across the full payments stack.
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