PayNearMe

Senior Software Engineer (Ruby on Rails) - Remote

Santa Clara, California, United States

Not SpecifiedCompensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Fintech, Payments, Financial ServicesIndustries

Senior Software Engineer - Core Applications

Employment Type: Full-time Location Type: Remote Salary Range: $175,000 - $200,000 per year


Company Description

PayNearMe develops technology to facilitate the end-to-end customer payment experience, making it easy for businesses to accept, disburse and manage payments. Our modern and reliable platform lowers the total cost of payments by increasing acceptance rates, driving self-service and simplifying exceptions. We future-proof our clients’ payments roadmap by including all payment types and channels through a single contract and integration. With PayNearMe, businesses can transform the outdated systems holding them back from achieving progress.

PayNearMe has over 200 employees, raised a $45M Series D round in June 2023, and processes billions in payments annually. Headquartered in Silicon Valley, our team is distributed across the U.S. Join us in solving our clients’ biggest payment challenges.


Position Overview

As a Senior Software Engineer on our Core Applications team, you will play a crucial role in designing, developing, and optimizing the platform that moves billions of dollars. You’ll take ownership of key components, drive technical excellence, and collaborate across teams to solve complex challenges. If you thrive in a fast-paced, high-impact environment and enjoy working with large-scale applications, we’d love to hear from you!


Responsibilities

  • Own and enhance critical components of our Ruby on Rails applications, ensuring high performance, security, and scalability.
  • Architect and implement modular, maintainable, and well-tested code that powers our payments platform.
  • Optimize system performance, troubleshoot bottlenecks, and solve complex engineering challenges in large-scale applications.
  • Collaborate across teams, including product, security, and infrastructure, to build innovative solutions that drive business success.
  • Lead by example, mentoring and supporting fellow engineers while fostering a culture of continuous improvement and inclusivity.
  • Drive best practices for code quality, design patterns, and long-term sustainability.

Qualifications

  • 7+ years of software engineering experience with deep expertise in Ruby on Rails.
  • Proven success in working with large, complex codebases and effectively communicating about code decisions.
  • Strong decision-making skills, with the ability to balance business needs, technical excellence, and engineering velocity.
  • Experience modularizing applications and solving high-performance scalability challenges.
  • Solid understanding of software design patterns and architectural best practices.
  • Commitment to collaboration, respect, and support for team members across all levels and backgrounds.

Nice to Have

  • Experience with payment processing systems or fintech platforms.
  • Experience implementing and integrating Google Analytics or similar platforms to drive data-informed product and engineering decisions.
  • Familiarity with modern DevOps practices, CI/CD pipelines, and cloud infrastructure (AWS, Docker, Kubernetes, etc.).

Additional Information & Benefits

  • Work Culture: Fast-paced and professional work culture. PayNearMe strives to create a workplace where all employees thrive. Our core values represent who we are today and we take pride in the way we work with each other as well as with our stakeholders. We’re in this together.
  • Compensation: Stock options with standard startup vesting - 1 year cliff; 4 years total.
  • Home Office Support:
    • $50 monthly communication expense stipend for phone/internet.
    • $250 stipend to enhance your WFH setup.
    • Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200).
  • Health & Wellness:
    • Premium medical benefits including vision and dental (100% coverage for employees).
    • Company-sponsored life and disability insurance.
  • Time Off:
    • Paid parental bonding leave.
    • Paid sick leave, jury duty, bereavement.
    • Flexible Time Off (team members typically take off ~3-4 weeks per year).
    • Volunteer Time Off.
    • 13 scheduled holidays.
  • Retirement: 401k plan.
  • Team Engagement: 2x / year in-person team meet-ups.

Skills

Ruby on Rails
Performance Optimization
Security
Scalability
Modular Code Design
Testing
Troubleshooting
Large-scale Application Development
Mentoring
Cross-team Collaboration

PayNearMe

Flexible payments platform for diverse transactions

About PayNearMe

PayNearMe provides a payments platform that allows customers to pay in various ways, including cards, ACH transactions, cash, and mobile payment methods like PayPal and Venmo. The platform is designed to enhance the payment experience for both customers and businesses, making it easy for clients such as consumer lenders and online gaming companies to collect payments. PayNearMe stands out by offering a secure cash payment service at over 60,000 retail locations, which simplifies the payment process for users who prefer cash. Additionally, the platform utilizes artificial intelligence to personalize customer experiences and improve bill pay. The company's goal is to create a seamless and user-friendly payment experience while generating revenue through fees charged to businesses for processing payments.

Santa Clara, CaliforniaHeadquarters
2009Year Founded
$156.1MTotal Funding
SERIES_DCompany Stage
Fintech, AI & Machine LearningIndustries
201-500Employees

Benefits

Professional Development Budget

Risks

Emerging fintech startups could erode PayNearMe's market share with similar solutions.
Regulatory scrutiny may increase compliance costs for PayNearMe.
Partnership with Trustly exposes PayNearMe to open banking data privacy risks.

Differentiation

PayNearMe offers a wide range of payment options, including cash and digital wallets.
The platform integrates AI to enhance personalized customer experiences and improve payment solutions.
Partnerships with companies like Trustly and PayPal expand PayNearMe's payment capabilities.

Upsides

The rise of BNPL services presents an opportunity to expand PayNearMe's payment options.
Increasing mobile wallet usage allows PayNearMe to enhance its mobile-first payment methods.
Open banking regulations in the US offer new integration opportunities for PayNearMe.

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