Mural Pay Payments Engineer

As a Payments Engineer you will have the opportunity to join our growing Engineering team and report to the Head of Engineering and CTO. You will be staffed directly on one of our highest-leverage new initiatives: building Murals credit card processing infrastructure from the ground up including acquirer integration PCI-scoped data handling and modern checkout flows that power card-based pay-ins and pay-outs across our platform. This is a core new piece of Murals infrastructure and were hiring someone who has done this before and can come in with thesis-backed opinions on how and why to build it a certain way.

Own the card stack end-to-end:

• Architect and ship our acquirer integration authorization capture void refund partial capture 3DS network tokens account updater and settlement/reconciliation flows

• Design and build PCI-compliant data handling: tokenization scope minimization vaulting strategy and secure checkout surfaces that keep Mural in the smallest possible PCI footprint (SAQ A where feasible)

• Integrate robust abstractions for payment orchestration that minimize complexity and ensure extensibility as we add networks acquirers and geographies
  

Shape the future of our product solve real-world use cases:

• Contribute in a full-stack manner to Murals platform and API offerings

• Build checkout experiences and hosted payment flows including SDKs iframes/elements and server-side orchestration that balance conversion fraud and compliance

• Build robust chargeback dispute and exception handling pipelines including evidence submission representment workflows and fraud signal integration;

• Design for idempotency auditability and eventual consistency across card authorization capture and payout workflows with a deep respect for retries network timeouts and dual-writes

• Communicate implementation tradeoffs across acquirers processors and gateways with a focus on cost performance auth rates security and observability
  

Our stack: TypeScript React NestJS Postgres Prisma AWS (SQS/SNS/Lambda) Vercel Docker

• 5 years of experience in fullstack or backend software engineering with hands-on card processing infrastructure experience

• Visa sponsorship not available

• Case-by-case with H1-B transfers and TN