Senior PHP Developer (Payments)

💻 We’re hiring: Senior PHP Developer (Payments)

We’re building next-gen payment infrastructure for high-volume, high-risk merchants.

Looking for a Senior PHP Developer to build and scale core payment systems — integrations, APIs, and backend architecture.

⚙️ Must have

• 5+ years of hands-on production experience in fiat/card payments ⚙️
• Deep understanding of card payment infrastructure and full payment lifecycle
• Strong experience integrating acquirers, PSPs, and payment processors
• Solid knowledge of card network rules and technical specifications
• Hands-on expertise with 3-D Secure (3DS2), Merchant-Initiated Transactions (MIT), and card-on-file / recurring payments
• Strong understanding of payment authentication data (CAVV, trace IDs, transaction indicators, etc.)
• Proven ability to debug and audit payment flows at request/response level
• Experience implementing integrations strictly according to processor/acquirer/network specs

🧠 Engineering & Architecture

• Strong full-stack / backend engineering background
• Experience designing APIs and complex billing/payment systems
• Familiarity with MoR / PayFac architecture (strong plus)
• Ability to independently architect and build a V1 payment platform from 0→1
• Comfortable being the first/solo engineer in a high-ownership environment
• Strong debugging skills and experience handling production incidents

🤖 AI-native workflow

• Actively uses AI tools (Claude, Copilot, Cursor, or similar) 🤖
• Uses AI for coding, debugging, code review, and validating implementations against specs
• Treats AI as a core productivity multiplier, not just an assistant

⭐ Nice to have

• Experience with Merchant of Record (MoR) or PayFac models
• Building payment infrastructure (not just integrating PSPs)
• Experience with multiple acquirers/processors
• Exposure to complex international payment flows
• Crypto + fiat integrations (crypto as an addition, not a replacement for fiat expertise)
• Early-stage startup experience

 💎 What we offer

• Opportunity to build a core payment platform from scratch
• Full ownership of architecture, infrastructure, and product decisions
• Fast-paced, low-bureaucracy environment with real impact
• Highly technical, challenging engineering problems
• Freedom to apply an AI-first engineering workflow