Senior Software Engineer Credit Card & Alternative

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.

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.

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Implement and maintain scalable, fault‑tolerant services handling real‑time authorization, batch clearing, and settlement workflows.

Build and maintain integrations with acquiring banks, card networks (Visa, Mastercard, Amex, Discover), payment gateways, fraud providers, and tokenization services.

Implement resilient routing logic, retry strategies, and failover mechanisms across card network connections.

• Ensure transaction idempotency and correct state management across the full card payment lifecycle.
• Support 3D Secure (3DS2) and Strong Customer Authentication (SCA) flows.
• Implement and maintain card vaulting and tokenization solutions in line with PCI DSS requirements.

• Build and maintain integrations with a broad range of APMs, including digital wallets (Pay Pal, Apple Pay, Google Pay),
  bank transfers (ACH, SEPA, instant bank pay),
  buy now pay later (BNPL) providers,
  prepaid and voucher methods, and regional local payment methods across key markets.
• Design flexible, extensible integration patterns that allow rapid onboarding of new payment methods and providers.
• Handle the unique lifecycle requirements of each payment method — including asynchronous notifications, delayed confirmations, refund flows, and currency/settlement nuances.
• Collaborate with Product to evaluate and prioritize new APM integrations based on market coverage and player demand.

• Build and maintain automated reconciliation pipelines that match authorization, clearing, and settlement records across both card and APM payment rails.
• Reconcile internal ledgers against acquirer, network, and PSP reports; detect and surface mismatches, duplicates, and missing transactions.
• Develop safeguards to prevent revenue leakage and ensure ledger consistency at scale.
• Ensure all financial systems are audit‑ready and compliant with internal financial controls.

Build and maintain payment reporting systems covering authorization rates, settlement reconciliation, interchange and fee breakdowns, APM conversion rates, and chargeback/dispute metrics.

• Implement threshold‑based alerting for authorization rate drops, decline pattern anomalies, settlement mismatches, volume spikes, and chargeback ratio changes across all payment methods.
• Contribute to internal financial dashboards supporting cost optimization, risk monitoring, and financial performance visibility.
• Participate in on‑call rotations and incident response for payment‑critical systems.

• Build systems compliant with PCI DSS
  , card network operating regulations, data encryption and…