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4d

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Senior Full Stack Developer – Payments & Merchant Services

ALIGN CONSULTING
Remote

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Job details

Full-time
₹72,000 - ₹95,000 a month
3 days ago

Qualifications

CI/CD
Node.js
CSS
Underwriting
PCI
React
Full-stack development
SQL
AWS
Express.js
Docker
JavaScript
PostgreSQL
Distributed systems
Continuous integration
REST
APIs
Scalability
TypeScript
Banking
Data warehouse
Analytics

Full job description

About the Role

We are looking for a highly skilled Full Stack Developer with strong experience in payment systems, fintech products, and Stripe Connect integrations. The ideal candidate understands payment processing, financial reporting, transaction lifecycles, and merchant onboarding workflows—not just application development.

What You'll Build

Design and develop a merchant services platform that provides visibility into transactions, settlements, deposits, chargebacks, underwriting workflows, and financial reporting while enabling operations teams to manage merchants efficiently.

Responsibilities

Design and build scalable frontend and backend systems for payment and merchant services applications.
Develop merchant dashboards, reporting modules, and financial analytics tools.
Build APIs and services for transaction processing, reporting, reconciliation, and operational workflows.
Integrate payment providers and processor APIs.
Implement Stripe Connect onboarding, payouts, transfers, and reporting workflows.
Design secure and scalable database structures for financial data.
Build real-time dashboards for transaction monitoring and operational visibility.
Collaborate with product, operations, and business teams to translate payment workflows into software solutions.
Ensure system reliability, performance, security, and scalability.

Required Payments Experience

Candidates must have hands-on experience with one or more of the following:

Stripe Connect

Required Technical Skills

Frontend

React.js
Next.js
TypeScript
Tailwind CSS

Backend

Node.js
NestJS or Express.js
REST APIs
Webhooks

Database

PostgreSQL
Advanced SQL
Reporting & analytics queries
Data aggregation and reconciliation

Infrastructure

AWS
Docker
CI/CD Pipelines

Stripe Connect Experience (Mandatory)

The ideal candidate should have implemented and worked with:

Connected Accounts

Standard Accounts
Express Accounts
Custom Accounts

Payment Flows

Direct Charges
Destination Charges
Separate Charges & Transfers

Financial Operations

Payout Management
Balance Transactions
Transfer Reconciliation
Refund Handling
Dispute Management

Webhooks

account.updated
payout.paid
charge.succeeded
charge.refunded
charge.dispute.created
payment_intent.*

Reporting

Payout Reconciliation
Merchant-Level Reporting
Balance Transaction Reporting
Platform Revenue Reporting

Domain Knowledge Required

Candidates should understand:

Payment Lifecycle

Authorization → Capture → Settlement → Funding → Reconciliation

Merchant Services Concepts

Merchant Accounts
Merchant IDs (MID)
Settlement Batches
Deposits & Funding
Chargebacks
Retrieval Requests
Rolling Reserves
Processing Fees
Interchange Fees
Merchant Statements

Financial Reporting

Gross Processing Volume
Net Deposits
Settlement Reporting
Fee Reporting
Daily Funding Reports
Transaction Reconciliation

Nice to Have

Merchant acquiring experience
ISO (Independent Sales Organization) platform experience
Banking or fintech experience
PCI DSS familiarity
ACH processing knowledge
Risk and underwriting systems
Financial data warehousing and analytics

Preferred Experience

5+ years of Full Stack Development experience.
Experience building financial, banking, payment, lending, or merchant services products.
Experience working with high-volume transactional systems.
Experience designing scalable reporting and analytics platforms.
Strong understanding of distributed systems and data consistency.

Why Join Us?

Build products in the fast-growing payments and merchant services industry.
Own critical systems used for financial reporting and operational workflows.
Work on real-world payment infrastructure challenges.
Opportunity to shape product architecture and engineering standards from the ground up.

Pay: ₹72,000.00 - ₹95,000.00 per month

Work Location: Remote

Quick apply

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