Software Engineer

About Payfinia

Payfinia is a SaaS payment hub powering community banks and credit unions across the United States. Our flagship product, IPX (Instant Payment Exchange), enables real-time payment processing across major payment rails including FedNow and RTP. We build secure, scalable, cloud-native financial infrastructure that empowers smaller financial institutions to compete at the highest level.

In addition to our core offering, we partner with third-party digital providers to integrate instant payments with traditional payment and money movement solutions. This not only extends the technology provider's capabilities but also strengthens the payments ecosystem for our member financial institutions.

To learn more about Payfinia, visit www.payfinia.com.

ABOUT THE ROLE:

We are looking for a motivated and hands-on Java Developer with 2–3 years of experience to join our product engineering team at the India Development Center in Bengaluru. You will work on Payfinia's core payment platform — IPX (Instant Payment Exchange) — which powers FedNow, RTP, ACH, and Wire payment rails for financial institutions across the United States. This role offers direct exposure to production-grade, real-time payment systems in an agile, fast-paced environment.

KEY RESPONSIBILITIES (included but not limited to):

• Design, develop, and maintain Java-based microservices for the IPX payment platform
• Build and consume RESTful APIs; integrate with payment rails and financial institution core systems
• Work with MySQL, Redis, and IBM MQ as part of the payment processing pipeline
• Write clean, testable code with strong unit test coverage; participate in peer code reviews
• Collaborate with senior developers, architects, and QA on sprint deliverables
• Debug and resolve production issues; support incident triage and root cause analysis
• Leverage AI-assisted development tools (Cursor, Claude Code) to improve productivity and code quality
• Follow secure coding practices aligned with PCI-DSS and SOC2 requirements

SKILLS REQUIRED:

• 2–3 years of Java development experience with strong OOP fundamentals
• Hands-on experience with Spring Boot and RESTful API development
• Working knowledge of SQL databases (MySQL)
• Familiarity with Git-based version control and CI/CD workflows
• Understanding of microservices architecture and service-to-service communication
• Strong problem-solving skills and ability to work in an agile sprint environment
• B.E. / B.Tech in Computer Science or related field
• Good communication and collaboration abilities

GOOD TO HAVE:

• Experience with message queues (IBM MQ, Kafka, or RabbitMQ)
• Exposure to Docker / Kubernetes or cloud platforms (AWS preferred)
• Familiarity with the payments domain — ACH, Wire, or real-time payment rails
• Knowledge of OAuth 2.0, JWT, or mTLS security patterns

WHY JOIN Payfinia

• Work on real-time payment systems used by financial institutions across the U.S.
• Learn from experienced engineers in an agile, collaborative environment
• Gain hands-on experience with modern fintech product development
• Grow your career in the payments and digital banking industry
• Be part of an award-winning team recognized for innovation in real-time payments