Payment Solutions Architect

Key responsibilities

Payment tech stack and architecture

. Own the end-to-end payment architecture: checkout, authorization, capture, refunds, settlement and payouts across all PSPs.

. Design a payment abstraction layer so multiple PSPs sit behind one internal payment API, with routing, retries and failover between them.

. Keep transaction state, idempotency and ledger consistency correct across the full lifecycle.

. Write and maintain payment flow documentation, API contracts and architecture decision records.

PSP and acquirer integration

. Lead every new PSP and acquirer integration from scoping and sandbox testing to certification and go-live.

. Be the main technical contact for PSP tech and solutions teams (e.g. Nuvei, Airwallex, Stripe), including escalations and incident calls.

. Monitor PSP health and performance, and build smart routing based on approval rates, cost and availability.

. Assess the technical side of new PSP and partner proposals before we sign.

Payment method integration

. Integrate alternative payment methods and wallets (Apple Pay, Google Pay, local methods by market) and network tokens.

. Own webhooks, callbacks and asynchronous payment flows so payment status is always accurate.

3DS and authentication

. Own the 3DS2 / SCA implementation: frictionless vs challenge flows, exemptions (TRA, low value), and liability shift.

. Tune 3DS strategy with the risk team to balance fraud loss, approval rate and customer friction.

PCI DSS, data security and data management

. Own PCI DSS scope and annual compliance (SAQ or ROC) and keep card data out of our systems through tokenization and hosted fields where possible.

. Set and enforce controls for encryption, key and secrets management, access control and logging on payment data.

. Lead payment-related security incident response, including PSP and scheme notification steps.

. Own data retention, masking and data protection requirements (e.g. PDPA, GDPR) for payment and customer data.

Chargebacks and disputes

. Build and maintain the technical pipeline for chargebacks, retrievals, fraud alerts (TC40/SAFE), and dispute prevention tools (Ethoca, Verifi/RDR).

. Automate evidence collection and representment data feeds for the disputes team.

. Make sure chargeback, refund and alert data flows cleanly into risk monitoring.

Reporting and analytics

. Build payment reporting: authorization and decline rates by PSP, BIN, country and method 3DS outcomes chargeback and fraud ratios fees and cost per transaction.

. Build automated reconciliation that matches internal records against PSP settlement reports and flags mismatches, duplicates and missing transactions.

. Set up threshold alerts for approval rate drops, decline spikes, settlement gaps and chargeback ratio spikes.

Backend and database management

. Own the payments data model and payment databases: schema, data quality, performance and audit trail.

. Review payment-related code and releases nothing payment-critical goes live without sign-off.

. Make sure payment events and metrics are logged and observable for monitoring and investigations.

Working with the backend team

. Turn payment and risk needs into clear technical requirements for the backend team and agree delivery priorities.

. Work with the backend team on shared infrastructure, deployments and security controls.

Requirements

. 8+ years in software engineering or technical payments roles, with 4+ years hands-on in card payments at a PSP,acquirer, payment gateway, or a merchant with multi-PSP setup.

. Delivered multiple PSP or acquirer integrations end to end in production (REST APIs, webhooks, SDKs, hosted payment pages).

. Strong knowledge of the card payment lifecycle: authorization, capture, clearing, settlement, refunds, and the four-party model.

. Hands-on with 3DS2 / SCA, tokenization (network and PSP tokens), BIN data, AVS/CVV, and decline code handling.

. Working knowledge of Visa and Mastercard rules, including chargeback reason codes and dispute lifecycle.

. Practical PCI DSS experience: scoping, SAQ/ROC, and reducing scope through tokenization.

. Solid backend skills: API design, distributed systems, SQL and database design, logging and monitoring.

. Built payment reporting or reconciliation (approval rates, settlement matching, fees).

Nice to have

. Experience with payment orchestration platforms or building smart routing and cascading.

. Hands-on with dispute prevention tools (Ethoca, Verifi/RDR) and fraud tools (device intelligence, risk scoring).

. Experience with digital goods, subscriptions, telecom/eSIM, or streaming payments, and their high-risk MCC considerations.

. Cross-border payments across APAC, North America and other regions, including local payment methods.

. Cloud security experience (AWS or similar), secrets management, and security incident response.