Senior Software Engineer (Payments)

Senior Software Engineer - Payments

Role purpose

Own and evolve OrderYOYO’s payments capabilities across online + in-store (POS, Kiosk & Payment terminals), supporting the transition to a more scalable operating model, and enabling capabilities like KYC onboarding, deductions, settlement/payout timing, dispute flows, and merchant invoicing.

Key responsibilities

Who We Are

At OrderYOYO, company culture comes first.

We create a positive, inclusive environment where people are trusted to do their best work and take ownership of what they build. Personal development is central to how we work — engineers are encouraged to grow technically, take responsibility, and help shape how our products and platforms evolve.

We help restaurants succeed online by providing branded websites, mobile apps, and tailored marketing solutions, giving them full control of their business. By removing high commission fees charged by third-party platforms, we empower restaurants to grow sustainably.

Through our partnership with AppSmart, the market leader in POS and in-store systems, we’ve become the largest restaurant-focused platform in Europe.

What We Offer

Competitive salary

High ownership and autonomy

Clear progression toward Tech Lead / Staff Engineer responsibilities

Opportunity to work on revenue-critical production systems

Strong focus on security, reliability, and engineering best practices

Collaborative, international engineering team

Emphasis on learning, mentoring, and long-term growth

What We’re Looking For

Design, build and operate payment-domain services (gateway integrations, payment intent/authorisation/capture/refund flows, payout orchestration, reconciliation).

Implement marketplace capabilities where relevant: onboarding/KYC integration, merchant configuration, settlement instructions, deductions, and invoicing/merchant-statement alignment.

Build robust “flow-of-funds” primitives: idempotency, ledgers/events, audit trails, and supportability for finance/compliance.

Integrate with PSP and partner tooling with attention to tri-party / sub-merchant implications where applicable.

Implement dispute/chargeback and fraud-handling touchpoints (internal workflows + PSP tooling), and collaborate with ops on runbooks and escalation paths.

Work closely with Product, Legal/Compliance, Finance, and Support to convert requirements into safe, testable production behaviour.

Raise engineering quality in a high-change domain: automated tests, safe rollouts/canaries, observability, and incident response improvements.

Mentor engineers, lead design reviews, and contribute to shared standards and documentation (payments is too critical to be tribal knowledge).

Must-have experience

Strong backend engineering background in distributed systems (microservices, async processing, resilient APIs, eventual consistency).

Production experience with payment flows (auth/capture/refund, webhooks, reconciliation) and “money correctness” patterns (idempotency keys, double-entry thinking, auditability).

Solid security mindset: PCI, protecting PII, secrets management, least privilege, secure coding.

Comfortable in an Azure-first environment (APIs, queues/eventing, monitoring), and with CI/CD + automated testing practices.

Clear communication with non-technical stakeholders in high-stakes scenarios (incidents, financial breaks, compliance asks).

Nice to Have

Experience with sub-merchant / marketplace / Payfac-like operating models (KYC, underwriting, settlements, fee deductions).

Familiarity with dispute tooling, scheme rules, 3DS/risk rules, or fraud platforms.