Payment Manager

PayDo, a leading Electronic Money Institution (EMI) authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140 countries and over 25 industries. Offering multicurrency IBANs, merchant solutions and mass payment options, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for local and international payments. 

We are seeking a Payment Manager to oversee and optimize our online payment operations. In this role, you will manage relationships with payment providers (with a strong focus on Visa’s and Mastercard’s acquiring), analyze payment performance metrics, and drive initiatives to improve payment conversion and efficiency. The ideal candidate has a strong analytical mindset, excellent communication skills, and a solid understanding of payment acquiring and alternative payment methods.

Responsibilities:

• Analytics & Reporting
  • Analyze key payment metrics (authorization, conversion, decline, refund, and chargeback rates).
  • Identify trends and anomalies in daily and monthly data.
  • Prepare regular and ad-hoc reports in Google Sheets or by using BI tools to support decision-making.
• Payment Process Monitoring
  • Monitor the end-to-end payment flow across all active methods.
  • Detects and investigates issues affecting transaction success or conversion.
  • Coordinate with IT teams and payment providers to ensure stable payment processing.
• Provider Relationship Management
  • Act as the main point of contact for payment providers, acquirers, and partner banks.
  • Coordinate operational communication, handle incident resolution and escalations, and maintain stable payment operations.
• Payment Method Expansion & Optimization
  • Manage the existing portfolio of payment methods (cards, bank transfers, e-wallets, etc.).
  • Analyze performance and recommend improvements to increase conversion and reduce decline rates.
  • Research and assess potential new payment solutions or local methods that can enhance user experience.
• Payment Integrations & Launch Coordination
  • Collaborate with IT and QA teams to plan and coordinate the integration of new payment providers.
  • Define business requirements and necessary settings for each integration.
  • Participate in testing to verify reliability, accuracy, and performance before launch.
• Cross-Functional Collaboration
  • Work with Finance to investigate reconciliation or reporting issues.
  • Support Customer Support / Key Account Management in resolving user payment incidents.
  • Collaborate with Product to improve checkout and payment flows.
• Payment Methods & Market Awareness
  • Stay informed about different payment types and their use across markets — cards, wallets, mobile payments, bank transfers, vouchers, and other APMs.
  • Understand how various payment methods operate.

Skills & Requirements:

• Experience: Minimum 2 years of experience in acquiring. Experience with banking is a plus.
• Payment Knowledge: Understanding of how different payment methods work — card acquiring, APM, and bank transfers.
• Payment Processes: Knowledge of key payment stages — authorization, authentication, settlement, capture, refund, chargeback — and ability to analyze related metrics (conversion rate, acceptance rate, decline rate).
• Analytical Skills: Strong analytical thinking and attention to detail. Confident use of Google Sheets (mandatory) for large data sets, formulas, and pivot tables.
• Problem-Solving: Ability to identify root causes of payment issues, coordinate resolution with internal teams and providers, and prevent similar incidents in the future.
• English: Advanced written English (for provider correspondence and documentation); spoken English for calls is a strong plus.
• Collaboration: Comfortable working with cross-functional teams (IT, Finance, Support, Product). Ability to clearly communicate technical or analytical findings to non-technical colleagues. Experience working and communicating with different types of financial institutions (banks, fintechs, PSPs)
• Industry Awareness: Understanding of key payment types and how they operate — cards, wallets, bank transfers, mobile payments, and other APMs. 
  Basic understanding of major payment standards and regulations (3DS 2.x, PSD2, SCA, Open Banking) is a plus.
• Documentation: Experience maintaining documentation in Confluence.
• BI Tools: Experience or familiarity with Tableau, Power BI, or similar tools for building dashboards and visual analytics is a strong plus.

We work in a result-driven culture. You will fit in if you:

• Own your work with no excuses.
• Take initiative and act before being told.
• Deliver results that make a real impact.
• Solve problems quickly with practical solutions.

What we offer:

• Annual Learning & Development Budget – invest in your growth with dedicated funds for courses, training, and certifications.
• Regular Performance Reviews Based on KPIs – for your professional growth.
• Transparent career growth – with opportunities to achieve Lead roles within 1 year, Head roles in 2 years, and even C-level within 4 years, based on exceptional performance.
• Innovation Financial Rewards – share your ideas through our PayDo Ideas Hub and earn extra bonuses.
• Public Holidays tailored to your country’s calendar.
• Flexible Payout Options – PE accounts or popular e-wallets.

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!