You will join the engineering group behind Nubank's Acquiring solutions, as Tap to Pay (TAP) experiences — turning phones and dedicated terminals into secure, reliable payment devices for our merchants
As a Staff Software Engineer – Payments Platform, you will lead the design and implementation of our systems for authorization, clearing and settlement
Today we rely heavily on partners (e.g., Zoop); our strategic direction is to verticalize: building our own Payments SDKs and gateway to reduce dependency, gain end-to-end observability, and control core parts of the merchant experience
This is a high-impact role: you will both build critical gateway components and act as a key knowledge source on payments protocols and acquiring, seeding expertise across multiple squads (TAP, Acquiring platforms) over a 3–5 year roadmap
Designing and building Nubank’s payments gateway backend that processes POS and Tap to Pay transactions after they leave the terminal, acting as the core authorization and routing layer between our devices and external acquirers/partners
Verticalizing partner-provided capabilities by developing our own Payment SDK
And gateway, reducing reliance on third parties for transaction processing and improving observability, stability and control over the end-to-end flow
Designing architecture for constrained Payment environments, collaborating with embedded/mobile teams to account for hardware peripherals (NFC, EMV readers, printers), offline/latency-sensitive flows, and tight data-plan limits on terminals
Acting as a technical bridge between our acquiring solutions, ensuring both surfaces share a robust, scalable core transaction processing flow while serving different form factors and partners
Integrating with acquirers and networks , designing robust flows for authorizations, settlements and error handling, and progressively increasing our ownership of these interactions
Leading long-term platform design (3–5 years) for acquiring and gateway, ensuring we build scalable, reusable components instead of point solutions, and that we can support new products and geographies over time
Seeding and multiplying domain knowledge: running whiteboard sessions, design reviews and knowledge-sharing routines so that other backend engineers can learn POS/acquiring patterns and contribute effectively
Collaborating with external experts and partners, representing Nubank in technical discussions with vendor and acquirer engineering teams, and shaping agreements and interfaces that allow our platform to scale cleanly
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