Senior PHP Developer (Payments)

💻 We’re hiring: Senior PHP Developer (Payments) We’re building next-gen payment infrastructure for high-volume, high-risk merchants. Looking for a Senior PHP Developer to build and scale core payment systems — integrations, APIs, and backend architecture. ⚙️ Must have 5+ years of hands-on production experience in fiat/card payments ⚙️ Deep understanding of card payment infrastructure and full payment lifecycle Strong experience integrating acquirers, PSPs, and payment processors Solid knowledge of card network rules and technical specifications Hands-on expertise with 3-D Secure (3DS2), Merchant-Initiated Transactions (MIT), and card-on-file / recurring payments Strong understanding of payment authentication data (CAVV, trace IDs, transaction indicators, etc.) Proven ability to debug and audit payment flows at request/response level Experience implementing integrations strictly according to processor/acquirer/network specs 🧠 Engineering & Architecture Strong full-stack / backend engineering background Experience designing APIs and complex billing/payment systems Familiarity with MoR / PayFac architecture (strong plus) Ability to independently architect and build a V1 payment platform from 0→1 Comfortable being the first/solo engineer in a high-ownership environment Strong debugging skills and experience handling production incidents 🤖 AI-native workflow Actively uses AI tools (Claude, Copilot, Cursor, or similar) 🤖 Uses AI for coding, debugging, code review, and validating implementations against specs Treats AI as a core productivity multiplier, not just an assistant ⭐ Nice to have Experience with Merchant of Record (MoR) or PayFac models Building payment infrastructure (not just integrating PSPs) Experience with multiple acquirers/processors Exposure to complex international payment flows Crypto + fiat integrations (crypto as an addition, not a replacement for fiat expertise) Early-stage startup experience 💎 What we offer Opportunity to build a core payment platform from scratch Full ownership of architecture, infrastructure, and product decisions Fast-paced, low-bureaucracy environment with real impact Highly technical, challenging engineering problems Freedom to apply an AI-first engineering workflow