Payments Engineer Full Time

Payments Engineer

Compensation: $200,000–$300,000 + Equity

Stablecoin-Powered Enterprise Payments Platform ($13M Funded)

New York, NY — ON-SITE

About the Role

Most fintech companies are building on top of someone else’s rails. Mural Pay is building the rails. Founded in 2022 and backed by $13M in funding, Mural is deploying enterprise-grade stablecoin infrastructure that lets companies launch accounts, wallets, and payments in weeks — and now they’re extending that infrastructure into card-based pay-ins and pay-outs.

This is a greenfield role. There is no legacy card stack to maintain, no tickets to grind through, and no one above you who has already decided how it should be built. You will report directly to the Head of Engineering and CTO and own Mural’s credit card processing infrastructure from scratch acquirer integration, PCI-scoped data handling, checkout flows, dispute pipelines with full technical authority over how it gets done.

The team that built Mural came to work on genuinely hard problems. If you want to own a critical payments domain at a company operating at the intersection of stablecoins and traditional card infrastructure, this is the rare seat where both matter equally.

What You’ll Do

• Architect and ship Mural’s acquirer integration end-to-end authorization, capture, void, refund, partial capture, 3DS, network tokens, account updater, and settlement/reconciliation flows
• Design and build PCI-compliant data handling: tokenization strategy, scope minimization, vaulting, and secure checkout surfaces that keep Mural in the smallest possible PCI footprint (SAQ A where feasible)
• 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
• Integrate robust abstractions for payment orchestration that minimize complexity and ensure extensibility as Mural adds networks, acquirers, and geographies
• Contribute full-stack across Mural’s platform and API offerings — from NestJS backends to React frontends — and communicate tradeoffs across acquirers, processors, and gateways with a focus on cost, performance, auth rates, security, and observability

Why This Seat

• $13M funded, 24-person team — small enough to own a critical domain, well-capitalized to build it right
• Greenfield in the truest sense: Mural’s card stack does not exist yet — every architectural decision is yours to make
• Direct line to the Head of Engineering and CTO — your work shapes product direction, not just executes on it
• Stablecoin + card convergence — a technically novel frontier where crypto rails and traditional card infrastructure meet in production
• Technology is the product here, not a support function — the mission is to redefine how global businesses move money
• $200K–$300K base with highly competitive equity

You’ll Thrive Here If You

• Have 5+ years of experience as a full-stack or backend software engineer, with hands-on card processing infrastructure experience in production
• Have built and shipped acquirer integrations, PCI-scoped systems, or card-network-connected infrastructure — and can defend your architectural decisions on tokenization, idempotency, and dispute handling with depth
• Understand the end-to-end card transaction lifecycle — authorization flows, settlement, representment, and the tradeoffs between acquirers, processors, and gateways
• Are a strong TypeScript/Node.js engineer — NestJS experience is highly preferred and TypeScript itself is non-negotiable
• Have hands-on experience designing for eventual consistency, retries, and dual-writes in distributed payment systems — not just reading about them
• Genuinely find payments interesting — you understand how card networks, acquirers, and processors interact, and this world excites you
• Thrive in unstructured environments where defining the problem is as much your job as solving it

Nice-to-Haves

• Direct experience at a payments company or fintech — Stripe, Adyen, Marqeta, Brex, Ramp, or similar infrastructure-first environments
• Familiarity with stablecoin infrastructure, digital wallets, or crypto-native payment rails
• Background with multi-currency, cross-border, or FX-aware payment flows
• Kubernetes deployment experience in production, multi-client environments