About Us

Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories, dedicated to uplifting everyone, everywhere by being the best way to pay and be paid.

At Visa, you'll have the opportunity to create impact at scale — tackling meaningful challenges, growing your skills and seeing your contributions impact lives around the world.

Join Visa and do work that matters – to you, to your community, and to the world. Progress starts with you.

Job Description

Visa's Technology Organization is a global community of engineers, problem solvers, and innovators reshaping the future of commerce. We operate one of the world's most sophisticated payment processing networks, capable of handling more than 65,000 secure transactions per second, connecting 80 million merchants, 15,000 financial institutions, and billions of consumers worldwide.

As part of our Payments Engineering teams, you will work on mission-critical, highly available, and distributed systems that power real-time payment authorization, transaction processing, and next-generation digital payment flows.

The Opportunity

We are looking for a Payments-focused Software Engineer with solid experience in Golang, cloud-native architectures, and distributed transaction processing. You will join a multi-disciplinary team responsible for designing, building, and operating high‑scale payment solutions that demand low latency, high availability, and strong consistency guarantees.

This role offers the opportunity to work deeply with modern cloud infrastructure, container orchestration, and automation, while directly impacting how digital payments work at a global scale.

What You Will Do

Design, develop, and maintain high-performance backend services for payment and transaction platforms using Golang
Build and evolve distributed systems that process financial transactions with strong requirements for resiliency, consistency, and fault tolerance
Develop cloud-native solutions on AWS, leveraging managed services to support scalability, security, and observability
Implement and maintain Infrastructure as Code using Terraform
Design, deploy, and operate services on Kubernetes (K8s) environments
Build comprehensive test strategies, including unit tests, integration tests, and end-to-end tests, ensuring high reliability and confidence in releases
Collaborate closely with Product, Architecture, Quality Engineering, SRE, and DevOps teams in agile environments
Contribute to improving engineering standards related to performance, security, scalability, and operational excellence
Participate in code reviews, incident analysis, and post-mortems, contributing to continuous improvement of payment systems
Help shape the future of Payment Services, Transaction Platforms, Real-Time Payments, and Buy Now Pay Later solutions

Essential Functions

Translate complex business and technical requirements into clean, maintainable, and efficient code
Actively contribute to system design decisions under minimal supervision
Apply best practices for developing distributed, cloud-native services
Debug and resolve issues across services, infrastructure, and environments using modern observability and troubleshooting tools
Support the adoption of new technologies and architectural improvements within the Payments domain

This is a remote position. A remote position does not require job duties be performed within proximity of a Visa office location. Remote positions may be required to be present at a Visa office with scheduled notice.

Qualifications

Basic Qualifications:

5+ years of relevant work experience with a Bachelor's Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD, OR 8+ years of relevant work experience.

Preferred Qualifications:

5+ years of relevant work experience with a Bachelor's Degree or at least 2 years of work experience with an Advanced degree (e.g. Masters, MBA, JD, MD) or 0 years of work experience with a PhD, OR 8+ years of relevant work experience.

2+ years of professional experience developing backend services using Golang in production environments

Solid experience designing and maintaining distributed systems, preferably handling financial or transactional workloads

Hands-on experience with AWS Cloud services, building and operating scalable, secure, and highly available applications(e.g., ECS/EKS, EC2, S3, DynamoDB, RDS, SQS/SNS, CloudWatch, etc.)

Strong understanding of distributed transaction concepts, including consistency, fault tolerance, idempotency, and resiliency

Proven experience creating and maintaining unit tests, integration tests, and automated test suites

Practical experience with Infrastructure as Code (IaC) using Terraform

Strong working knowledge of Kubernetes, containerized workloads, and orchestration concepts

Experience working with CI/CD pipelines and modern DevOps practices

Ability to collaborate effectively with cross-functional teams in Agile/Scrum environments

Strong problem-solving skills and ability to debug issues across application and infrastructure layers

Proficient in English for technical communication in a global environment

Preferred Qualifications

Experience building high-throughput, low-latency systems

Previous experience in payments, fintech, or financial services environments

Familiarity with event-driven architectures, messaging systems, or asynchronous processing

Experience with observability tools (metrics, logging, distributed tracing)

Knowledge of cloud security best practices and payment system compliance standards

Exposure to Site Reliability Engineering (SRE) practices and incident management

Personal Attributes

Strong sense of ownership and accountability for production systems

Passion for building reliable, scalable, and secure software

Growth mindset with continuous desire to learn and improve technical skills

Comfortable working in complex, highly regulated, and globally distributed systems

Collaborative team player with strong communication skills

Nice to Have

Experience with high-throughput, low-latency systems

Previous work in payments, fintech, or financial services

Knowledge of container security, observability (metrics, logs, tracing), and performance tuning

Soft Skills & Mindset

A growth mindset with curiosity and passion for complex technical challenges

Comfortable working in fast-paced, highly scalable, and regulated environments

Strong collaboration skills with cross-functional teams (Product, QA, DevOps, SRE)

Ownership mindset, focusing on quality, reliability, and customer impact

Continuous learner, always seeking to improve technical and architectural skills

We do not expect that any single candidate would fulfill all of these characteristics. For instance, we have exciting team members who are really focused on building scalable systems but didn't work with payments technology or web applications before joining Visa.

Visa is an EEO Employer

Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Software Engineer III– Payments (Golang / AWS / Distributed Systems)