Senior Software Engineer

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Vantaca just achieved unicorn status with a $1.25B valuation, so it's safe to say we're past the “scrappy startup phase.” We're building a category‑defining platform that will transform how an entire industry operates.

• Growing 100% year‑over‑year
• Our AI product (HOAi) went from $0 to millions in months
• Backed by Cove Hill Partners and JMI Private Equity
• 6 M+ doors on our platform, displacing legacy systems

We are a winning team that believes in working together to make big ideas happen. We are collaborative and visionary, hold ourselves accountable for results, nurture agility, and put customer needs at the heart of our work. We are authentic game‑chasers building something cool people like it here.

We're seeking a Senior Software Engineer to own our accelerate payment products, building and maintaining the critical systems that handle money movement between Vantaca and our payment partners. This role requires someone who can architect resilient, secure, and compliant payment systems while navigating the complexities of ACH, credit card processing, wire transfers, and payment reconciliation.

• Design and maintain secure, PCI‑compliant payment processing systems
• Lead technical conversations with payment processor engineering teams (Stripe, payment gateways, ACH processors)
• Establish patterns and frameworks for payment initiation, processing, and reconciliation
• Drive initiatives to improve payment success rates, reduce failed transactions, and optimize retry logic
• Implement comprehensive payment reconciliation systems to ensure transaction integrity
• Provide support for payment‑related escalations from tech support
• Stay on top of current trends in payment technology and processing patterns, proposing innovative solutions to enhance our platform

• Quality code that follows established patterns and best practices
• Zero payment processing errors resulting in incorrect fund movements
• Payment success rate >98% (excluding legitimate declines)
• Payment reconciliation discrepancies resolved within 24 hours
• Proactive use of AI development tools (Cursor, Claude, Devin, etc.) to accelerate development and improve code quality
• Enthusiasm for leveraging AI to move fast and work efficiently
• Consistent velocity set by manager
• Average return rate from QA should be 2 or less

• Architect, design, and develop robust, scalable, and secure payment processing systems supporting multiple payment methods (ACH, credit card, wire transfer)
• Partner with payment processors and gateways to understand API capabilities, fee structures, settlement timelines, and roadmaps
• Lead the end‑to‑end payment processing lifecycle from initiation through settlement and reconciliation
• Implement comprehensive payment reconciliation systems that match transactions across multiple systems (gateway, bank, internal ledger)
• Design fault‑tolerant patterns for payment processing:
  • Idempotent payment operations to prevent duplicate charges
  • Retry logic with exponential backoff for transient failures
  • Compensation/reversal patterns for failed multi‑step payment workflows
  • Dead letter queue handling for payment exceptions
• Implement webhooks and event‑driven architecture for payment status updates
• Build monitoring and alerting systems for payment anomalies (sudden decline spikes, processing delays, settlement discrepancies)
• Implement security best practices including PCI DSS compliance, tokenization, and secure credential management
• Design and implement payment failure analysis and auto‑retry strategies

• Complete development tasks on time with exceptional attention to quality, performance, and regulatory compliance
• Collaborate within a scrum team environment, translating product manager requirements into technical payment solutions
• Create detailed runbooks for payment processing incidents (stuck payments, reconciliation gaps, processor outages)
• Collaborate with Finance/Accounting teams to:
  • Validate payment data accuracy and resolve discrepancies
  • Sup…