Software Engineer; Rails + Go - Remote

Company Description

At Pay Near Me , we’re on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry-leading platform, PayXM™, is the first of its kind—designed to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non-commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.

Our single platform handles it all: cards, ACH, digital wallets such as Pay Pal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust Pay Near Me  to deliver a payment experience that drives real results.

In September 2025, we raised a $50 million Series E funding round to accelerate our growth.

We’re a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ.

Join us and be part of a team that’s shaping the future of payments—one experience at a time.

This position is part of our Settlement Team that owns the workflows that ensure funds move accurately and on time from payment events through settlement, reconciliation, adjustments, and reporting. We partner closely with Product, Reconciliation, Accounting, Finance, and Support to keep the platform trustworthy at scale.

Our core stack is Ruby on Rails (money movement monolith) plus Go microservices on AWS/Kubernetes, with Datadog for observability, Looker for analytics, and Docker for local development.

In this role, you’ll expand and strengthen Pay Near Me ’s settlement platform: designing systems that handle high-throughput money movement, making them easier to operate, and helping teams ship changes safely.

Responsibilities

• Scope, design, build, and maintain APIs, services, and workflows that reliably process high-scale money movement and settlement.
• Own the architectural direction for the settlement domain in partnership with the CTO; produce and maintain architecture documentation (current state, target state, and migration plan) and drive alignment across teams.
• Review and approve architecture decision records (ADRs) and technical designs for settlement-related changes; ensure decisions meet standards for correctness, operability, security, and long-term maintainability.
• Drive end-to-end execution for large, ambiguous initiatives: reduce risk early, align stakeholders, and deliver in phases.
• Improve correctness and operational safety across settlement flows: deeply understand how money moves end-to-end (timing, state transitions, adjustments, exceptions), design for edge cases, and implement idempotency, reconciliation guarantees, safe backfills, incident readiness, and disciplined releases.
• Partner with Engineering Manager, Product, Performance, CTO, and other Staff peers to shape roadmaps and strategy for settlement—develop deep expertise in both the technical system and the business needs (what clients require from settlement, reporting, timing, and exception handling) and translate that into durable platform capabilities.
• Raise engineering standards across the team and broader org by partnering with other Staff engineers to define and drive consistent patterns for building and operating money-movement systems (design reviews, abstractions, testing strategy, observability, and operational practices) across monolith + microservices.
• Drive adoption of AI-assisted engineering practices (tooling, workflows, guardrails) to improve throughput and quality—especially for testing, incident response, code review, and documentation.

• 10+ years building and operating backend systems, with Staff-level scope (cross-team influence, major initiatives, long-term technical direction).
• Proven ability to own critical production workflows end-to-end (design, delivery, on-call/ops, iterative hardening).
• Strong system design fundamentals: reliability, consistency, data modeling, and pragmatic…