Senior Machine Learning Engineer - Payments

Join our dynamic team at mercor as a Software Engineer specializing in Payments. In this role, you will play a crucial part in enhancing our payment systems, developing innovative solutions, and ensuring seamless transactions for our users. You will collaborate closely with product managers and fellow engineers to drive our payment technologies forward.

Join Discord, where over 200 million users connect each month for various reasons, with a significant focus on gaming. More than 90% of our users engage in gaming, collectively dedicating 1.5 billion hours monthly to an array of unique titles within our platform. Discord is pivotal in shaping the future of gaming, enhancing the experience for players to communicate and interact seamlessly before, during, and after gameplay.Be a part of our journey to redefine Discord’s business landscape! We are on the lookout for innovative engineers to join our exceptional Revenue team, driving Discord’s growth through the development of engaging paid products. These offerings enable us to scale our business while preserving the fundamental features of Discord as free, without relying on advertisements or compromising user data. You will be reporting directly to the Engineering Manager of Payments. For insights into Discord Engineering, explore our engineering blog!

Join Our Dynamic Payments TeamAt OpenAI, we are on a mission to ensure the financial sustainability of Artificial General Intelligence (AGI). Our Payments Team is pivotal in enabling OpenAI to facilitate transactions across our innovative products, including ChatGPT, ChatGPT for Teams, and our API services. We are responsible for crafting a seamless user payment experience, integrating with leading payment service providers, and developing the foundational infrastructure that supports efficient checkout and payment processes. Collaborating closely with Finance, Legal, Growth, Product, and external partners, we ensure our payment systems scale seamlessly with our business and adapt to evolving commercial objectives.Your Role in Our TeamAs a Senior Software Engineer within the Payments Team, you will be instrumental in designing and building the robust infrastructure that underpins OpenAI’s financial systems. You will work hand-in-hand with cross-functional teams to deliver scalable and efficient solutions, ensuring that our payment systems can support rapid product iterations and a global customer base. We seek individuals who are pragmatic, collaborative, and excited about the chance to develop systems that are vital to OpenAI’s long-term objectives and sustainability.This position is located in San Francisco, CA, with a hybrid work model that requires three days in the office each week. We also offer relocation assistance for new hires.Key Responsibilities:Design, implement, and scale core payment infrastructure.Develop robust financial primitives to facilitate rapid iteration and support our hyper-growth trajectory.Work closely with internal and external stakeholders (e.g., Finance, GTM, Product) to translate business needs into scalable technical solutions.Take ownership of shipping changes in the highly regulated payments domain.Create a smooth and user-friendly checkout experience for customers worldwide.Enhance the reliability, observability, and auditability of OpenAI's financial transactions.Ideal Candidate Profile:5+ years of professional software engineering experience, preferably with a focus on scalable payments or financial systems.Familiarity with payment processors such as Stripe, Adyen, or Braintree, or experience building similar internal financial systems, including cardholder data management and online commerce solutions.Possess a strong product mindset and a desire to craft solutions that meet real-world needs.

About Gusto Gusto supports over 400,000 small businesses nationwide by handling payroll, health insurance, 401(k) plans, and HR services. This work helps business owners focus on what matters most to them and their customers. With offices in Denver, San Francisco, and New York, Gusto aims to build a workplace that reflects the diversity of the communities it serves. Full-time employees receive competitive salaries, a comprehensive benefits package, and equity in the form of RSUs. Compensation varies by role, level, and location. Details about Gusto’s approach to rewards can be found on their Total Rewards philosophy page. AI plays a key role in daily operations at Gusto. Team members are expected to use AI tools relevant to their work and continue building their skills as technology evolves. The level of AI experience required depends on the position and will be assessed during the interview process. Role Overview: Staff Software Engineer – Payments & Risk Gusto is hiring experienced full-stack engineers for teams working on payments and risk platforms. These systems serve small business owners every day. Staff Software Engineers in this group work across the full lifecycle of payments or risk systems: shaping architecture early in design, building internal features and APIs, and maintaining performance after launch. The work includes engineering the core business engine, providing reliable backend services for product teams, and setting a high standard for engineering practices. Team Focus Areas Payments: The Payments team manages all financial transaction operations for Gusto’s products. This includes ensuring secure fund transfers among partners, employers, employees, and government agencies. Engineers on this team build new payment features for both U.S. and international markets and help redesign the payments platform to support future growth. Risk: The Risk team develops systems that protect Gusto and its clients from financial risks. This work shapes experiences that keep customers and the company safe. Location This role is based in San Francisco, CA (hybrid) or New York, NY (hybrid).

About PayJoyAt PayJoy, we are driven by our mission to empower under-served communities in emerging markets, enabling them to achieve financial stability and success. Our innovative secured credit technology serves as a gateway for new customers to access the credit system. With PayJoy’s point-of-sale financing and credit card solutions, we elevate our customers’ quality of life. Our offerings also enable micro-entrepreneurship, providing a safety net during challenging times. Leveraging advanced machine learning, data science, and anti-fraud AI capabilities, we have proudly served over 18 million customers as of 2025, all while maintaining profitability for sustainable growth.Role OverviewWe are seeking a Senior Staff Software Engineer to spearhead our technical infrastructure, initially partnering with the Money - Payments teams to foster innovation. This role offers the exciting opportunity to collaborate with various teams, take on a mentorship role, design scalable systems, and impact cross-functional initiatives. You will be actively involved in making critical technical decisions and developing essential services in a hands-on capacity.

Role overview Dropbox seeks a Senior Backend Software Engineer to focus on payment systems. This position involves designing, building, and maintaining backend services that handle payment transactions at scale. The work shapes how customers pay for Dropbox products and services, with a direct impact on user experience and business operations. What you will do Design and develop backend systems that process payments Maintain and enhance existing payment services to support reliability and scalability Collaborate with engineers, product managers, and cross-functional teams to deliver new features and improvements Contribute to solutions that improve user experience and help drive business growth Location This is a passive posting. Dropbox has not specified location requirements for this role.

Join Side Inc. as a Software Engineer specializing in Payments. In this pivotal role, you will develop and enhance payment solutions that streamline transaction processes and improve user experiences. Collaborate with cross-functional teams to build scalable software and ensure that our payment systems meet the highest standards of security and efficiency.

About AirwallexAirwallex is a pioneering unified payments and financial platform tailored for global enterprises. Our unique fusion of proprietary infrastructure and cutting-edge software empowers over 200,000 businesses globally—including industry leaders like Brex, Rippling, Navan, Qantas, and SHEIN—with fully integrated solutions for managing business accounts, payments, spend management, treasury, and embedded finance at an international scale.With our roots in Melbourne, we have assembled a talented team of over 2,000 innovative professionals across 26 offices worldwide. Valued at $8 billion and supported by prestigious investors such as T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is at the forefront of developing the future of global payments and finance. If you’re eager to engage in transformative work, we invite you to join our mission.

Join Airwallex as a Senior Software Engineer, AIAt Airwallex, we are redefining global finance and payments through our cutting-edge technology. As a Senior Software Engineer, you will play a crucial role in the Global Treasury and Payment Network (GTPN) team, enhancing our payment infrastructure and delivering innovative solutions to our clients.We are looking for a dynamic individual who thrives in a fast-paced environment and is passionate about leveraging artificial intelligence to solve complex problems. You will collaborate with a talented team to develop products that not only meet customer needs but also set new standards in the industry.

About Airwallex Airwallex is a unified payments and financial platform serving global enterprises. More than 200,000 businesses, including Brex, Rippling, Navan, Qantas, and SHEIN, use Airwallex to manage business accounts, payments, spend management, treasury, and embedded finance solutions worldwide. The company was founded in Melbourne and now employs over 2,000 people across 26 offices. Airwallex is valued at US$8 billion and backed by investors such as T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital. Who Thrives Here Airwallex values builders who approach work with founder-like drive and a desire to make a measurable impact. Deep expertise, strong analytical skills, and alignment with our operating principles matter here. Team members move quickly but thoughtfully, stay curious, and make decisions rooted in core principles. Humility and collaboration are essential, as is the ability to turn ideas into real products and see projects through to completion. Using AI tools to work efficiently and solve problems is encouraged. The environment offers complex challenges and the chance to shape the future of global finance alongside experienced colleagues. About the Merchant Services Team The Merchant Services team partners with clients to help them realize the full value of Airwallex’s products. This group directly influences revenue across the product suite and works closely with sales, strategy, product, and engineering to deliver strong client experiences. Acting as the main technical contact and trusted advisor, the team supports clients through pre-sales, solution design, and API integration. The goal: equip businesses with the tools to succeed in a changing marketplace. What You Will Do As Delivery Manager - Payments Software, you will...

Join Our MissionThe trucking and logistics sector is essential to our economy, yet its payment infrastructure is outdated and inefficient. At AtoB, we are on a mission to revolutionize payment systems for this industry. We've identified the challenges faced by hardworking professionals in trucking — from outdated tools to hidden fees, and we are committed to delivering solutions that prioritize their needs.About AtoBOur goal is to create a seamless payment experience akin to Stripe, tailor-made for the transportation industry. We understand the critical role of timely capital movement in supply chains and strive to ensure it happens smoothly and fairly. Every product we develop enhances user experience and works intelligently within the unique constraints our customers face daily, whether they are fleet managers or drivers.Our ExpertiseOur founding team boasts extensive experience in the tech and payments landscape, with backgrounds from industry leaders like Cruise Automation, Uber, Google, Meta, and Stripe. We've attracted over $125 million in funding from prominent investors, including General Catalyst, Y Combinator, and major tech founders, positioning us as a leader in innovation within our sector.Recognized by Forbes as one of the Next Billion-Dollar Startups, we are also proud to join the World Economic Forum as a Global Innovator.

Airbnb, founded in 2007, has revolutionized the way people travel by connecting over 5 million hosts with more than 2 billion guests worldwide. Our platform offers unique stays and experiences that foster genuine connections with communities around the globe.The Role:The Airbnb Payments team is dedicated to facilitating seamless monetary exchanges through user-friendly payment services, embodying our mission to 'belong anywhere.' We are constructing a premier payments platform capable of processing billions of dollars across 191 countries and 75 currencies through a complex network of payment partners. As we expand, we will be integrating new partners, licenses, compliance measures, and enhancing the payment experiences for both guests and hosts.As a Senior Staff Engineer and Technical Lead within the Payments Compliance organization, you will oversee the technical strategy and architectural vision across a comprehensive Compliance engineering landscape, which includes Policy Enforcement, Identity, Screening, Auditing, and Compliance Experience. Your focus will be to ensure the scalability and cohesion of compliance systems while aligning them with the broader objectives of the company in an increasingly complex regulatory environment.We seek a seasoned technical leader capable of bridging deep systems expertise with organizational influence. You will drive Compliance's strategic initiatives, defining component integration, identifying shared capabilities, and ensuring optimal use of platform investments made by partner teams. Your decisions will significantly impact Airbnb's compliance with obligations such as Anti-Money Laundering (AML), Know Your Customer (KYC), and sanctions screening, all while minimizing operational costs and enhancing customer experience.This role extends beyond the Compliance team, requiring collaboration with various engineering teams and cross-functional stakeholders across Product, Content, Legal, and Design.

Join Airwallex as a Staff Software Engineer, ScaleAt Airwallex, we are redefining the landscape of global finance with our comprehensive payments and financial platform tailored for businesses worldwide. With our cutting-edge proprietary technology, we empower over 200,000 organizations—including industry leaders like Brex, Rippling, Navan, Qantas, and SHEIN—to manage everything from business accounts to payments and treasury solutions.Founded in Melbourne, our dynamic team of over 2,000 innovators operates from 26 offices globally. Valued at US$8 billion and backed by top-tier investors such as T. Rowe Price, Visa, Mastercard, and Sequoia, we are at the forefront of building the future of global banking. If you're eager to tackle ambitious challenges and make a significant impact, we invite you to join us.

At Ripple, we are pioneering a future where value transfers seamlessly, akin to today's information flow. Our ambitious mission is already in motion, as we enhance the global financial landscape through innovative cryptocurrency solutions designed for financial institutions, businesses, governments, and developers. We are committed to fostering economic equity and access worldwide, empowering individuals through our groundbreaking technology in an environment that promotes professional growth and collaboration.If you are eager to witness your contributions make a difference and unlock extraordinary career development opportunities, consider joining us in creating tangible value in the real world.What You’ll DoAs the Vice President of Engineering for Payments, you will report directly to the Senior Vice President of Engineering. You will be responsible for the technical execution, operational excellence, and strategic evolution of Ripple’s global payments infrastructure. This encompasses cross-border payment systems, foreign exchange and liquidity frameworks, collections capabilities, and the integration of acquired platforms.Leading a dynamic payments engineering team of approximately 75 engineers, you will play a pivotal role in establishing Ripple as the connector between traditional financial systems and blockchain-based value movement.Your Responsibilities Include:Oversee the complete payments engineering domain, including cross-border transactions, foreign exchange, currency conversion, liquidity management, and settlement processes.Lead and expand teams that focus on core payments, collections, and integrated platforms.Drive clarity and simplification in architecture to minimize system complexity, enabling rapid delivery, enhanced reliability, and well-defined product boundaries.Facilitate the integration of acquired technologies into a cohesive and modern payments architecture, transforming disparate systems into a scalable, unified product platform.Maintain high availability, accuracy, and operational excellence for real-time, regulated payment systems—building trust with customers, regulators, and partners.Collaborate closely with the Product team to influence the roadmap, customer outcomes, and platform capabilities, utilizing strong technical and business acumen in product decision-making.Drive towards sustained product-market fit for next-generation payments solutions by translating platform capabilities into lasting customer value.Advance Ripple’s payments technology stack to incorporate stablecoins, on-chain liquidity, and decentralized exchanges.

About AirwallexAirwallex is a revolutionary unified payments and financial platform tailored for global enterprises. Our innovative blend of proprietary infrastructure and software empowers over 200,000 businesses globally—including renowned names like Brex, Rippling, Navan, Qantas, and SHEIN—with seamlessly integrated solutions for managing business accounts, payments, spend management, treasury, and embedded finance on a worldwide scale.Founded in Melbourne, we boast a dynamic team of over 2,000 of the brightest minds in technology, spread across 26 offices worldwide. With a valuation of US$8 billion and backing from prestigious investors such as T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is at the forefront of shaping the future of global payments and finance. If you're eager to undertake the most ambitious challenge of your career, we invite you to join us.

Join Condor Software as a Full-Stack Platform EngineerAt Condor, we are revolutionizing the financial infrastructure that supports clinical development. With billions invested annually in discovering and developing new therapies, we strive to connect clinical operations and finance into a cohesive system. By integrating real-time financial intelligence, we empower R&D and finance leaders with the tools they need to make informed, high-stakes decisions.We are an AI-driven, pharma-native infrastructure provider, scaling industry standards in collaboration with top-tier partners. Our platform facilitates prediction, control, and execution in the most complex R&D environments worldwide.The Importance of Your RoleHaving established ourselves as a trusted partner for enterprise teams, we are now focused on the challenging task of scaling our platform to meet increasing demands. As a rapidly growing company, backed by prominent investors like Felicis and 645 Ventures, this is a unique opportunity to contribute to the foundational infrastructure that will redefine how therapies reach patients.Your ResponsibilitiesAs a Full-Stack Platform Engineer, you will be pivotal in building and scaling the core platform that supports the financial intelligence infrastructure relied upon by leading biopharma companies. This role encompasses critical engineering tasks at the intersection of backend systems, cloud infrastructure, and intelligent automation, with a strong emphasis on reliability and scalability.Your primary focus will be on backend architecture, where you'll design and implement services that drive complex financial and operational workflows. You'll be instrumental in shaping data flow, workflow orchestration, and enabling emerging AI-driven capabilities. This role goes beyond simple integration; you'll be crafting robust primitives that support other teams as our product and customer base expand.Working as a core member of a cross-functional product team, you will closely collaborate with product managers, designers, quality engineers, and data specialists to transition features from concept to production. While backend expertise is crucial, you will also engage across the stack to ensure the platform's capabilities are effectively leveraged.

Join Cardless as a Payment Operations Manager and play a pivotal role in streamlining our payment processes. You will lead a dynamic team to enhance operational efficiency and ensure seamless payment experiences for our customers. This position requires a strategic thinker with strong analytical skills, capable of identifying opportunities for improvement and implementing effective solutions.

About UsAt Stealth Fintech, we are driven by a bold mission to transform B2B payments. As a well-funded, early-stage startup operating in stealth mode, we are dedicated to creating innovative solutions that redefine how businesses manage financial transactions. If you are passionate about solving significant challenges from the ground up, we invite you to join our team.Role OverviewWe are seeking a Senior Software Engineer to be a pivotal part of our Platform team. In this role, you will design and develop the essential infrastructure that powers our payment solutions. You will tackle complex technical challenges while contributing to the backbone of our technology stack.As a Senior Software Engineer, you will be responsible for architecting, building, and maintaining crucial systems that facilitate our integrations with banking partners. Reporting to the Engineering Manager, you will collaborate with a talented team of engineers who are dedicated to creating a scalable, reliable, and secure payment infrastructure. Your responsibilities will include developing robust APIs, implementing secure transaction processing systems, and constructing a platform that supports high-volume financial transactions.You will interact closely with Product, Architecture, and other Engineering teams to ensure our platform solutions align with product requirements and business objectives, maintaining the highest standards of security and reliability.Key ResponsibilitiesPlatform Development: Design and implement core platform services, APIs, and infrastructure that support banking integrations and payment processing systems.Integration Engineering: Build and maintain secure, scalable integrations with major financial institutions and payment networks.Code Quality & Best Practices: Write clean, maintainable, and well-tested code while contributing to architectural decisions and technical standards.System Reliability: Ensure high availability and performance of platform services, implementing monitoring, alerting, and error handling best practices.Cross-functional Collaboration: Work closely with Product, QA, and other Engineering teams to deliver features that meet both business requirements and user needs.Technical Innovation: Identify opportunities to enhance system performance, developer experience, and engineering processes. Drive improvements to internal tooling, contribute to shared infrastructure, and help evolve our technology stack.

About UsAt Stealth Fintech, we are dedicated to transforming B2B payments. As a well-capitalized, early-stage startup operating in stealth mode, we are developing innovative solutions designed to redefine how businesses handle financial transactions. If you are eager to confront significant challenges from the ground up, we would love to hear from you.We are currently seeking a Fullstack Software Engineer to join our Platform team and contribute to the development of the essential infrastructure that drives our payment solutions. You will engage with complex technical challenges and help establish the foundation of our technology stack.Role OverviewAs a Fullstack Software Engineer, your role will be crucial in designing, developing, and maintaining our web applications and the APIs that support them. You will prioritize creating intuitive, secure, and responsive user interfaces while architecting backend systems capable of processing large-scale financial transactions in real time.Working within an agile framework, you will report directly to the Engineering Manager and collaborate with a diverse team of engineers, designers, and product managers. This position is perfect for those who thrive in early-stage environments and have a passion for crafting secure, compliant financial technology solutions.Key ResponsibilitiesFrontend Development: Create and sustain modern, responsive, and secure web applications using ReactJS with TypeScript, emphasizing performance and accessibility.UI Frameworks: Utilize React-based libraries to develop enterprise-level UI components that adhere to industry standards.Backend Development: Design and maintain RESTful APIs and GraphQL endpoints.Database Management: Develop efficient data models and manage SQL and NoSQL databases for secure handling of transactional and analytical tasks.Real-time Systems: Integrate websockets, message queues, and event-driven architectures to facilitate real-time payment processing and updates.Testing & Quality Assurance: Develop extensive tests using Jest, Cypress, or Playwright to ensure system reliability, and engage in code reviews to uphold high code quality.Web Security: Adhere to financial regulations by implementing advanced security measures, including CSP, secure coding practices, data encryption, and vulnerability assessments.Performance Optimization: Enhance application performance through various optimization techniques.