Job Details

Senior Software Engineer (Rails + Go) - Remote

At PayNearMe, were on a mission to make paying and getting paid as simple as possible. We build innovative technology that transforms the way businesses and their customers experience payments. Our industry?leading platform, PayXM?is the first of its kinddesigned to manage the entire payment experience from start to finish. Every click, swipe or tap is seamless, fast and secure, helping non?commerce businesses boost customer satisfaction, accelerate payments, and reduce costs.
Our single platform handles it all: cards, ACH, digital wallets such as PayPal, Venmo, Cash App Pay, Apple Pay and Google Pay, and even cash at more than 62,000 retail locations nationwide. Today, thousands of businesses across consumer lending, iGaming and online sports betting, property management, and tolling trust PayNearMe to deliver a payment experience that drives real results. In September 2025, we raised a $50?million Series?E funding round to accelerate our growth. Were a team of 200+ employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ. Join us and be part of a team thats shaping the future of paymentsone experience at a time.

Job Description

• Develop and maintain high?quality, scalable, and robust code for our primary Ruby on Rails system.
• Collaborate with cross?functional teams, including QA and product teams, to define, design, and ship new features that meet business requirements.
• Write well?tested code using RSpec, with a strong emphasis on security, performance, and resilience (we have 95% code coverage).
• Make practical decisions with good judgment when faced with design constraints and trade?offs.
• Participate in code reviews, providing constructive feedback through pull requests to ensure code quality, best practices and limit breaking changes.
• Mentor and support team members, fostering a collaborative and inclusive environment that promotes learning and growth.
• Participate in on?call rotations to support and maintain production systems, including incident response and resolution.

Qualifications

• Demonstrated ability to become an expert in a specific technical and business domain, with proven experience in independently mastering complex systems or technologies. We value a track record of deep specialization and problem?solving in any field.
• Strong command of Ruby and Rails (understanding the boundaries between them)
• Ability and willingness to write detailed technical documentation for a wide variety of audiences
• Experience working in a large codebase and communicating about code
• Ability to make practical decisions with good judgment when faced with design constraints
• Commitment to writing well?tested code that considers security, performance, and resilience
• Respect and support for team members of all levels and backgrounds, with openness to both teaching and learning

Preferred Qualifications

• Understanding of money movement flowscapture, settlement, disbursement, and reconciliation.
• Prior exposure to financial data integrity concepts: double?entry ledger or general ledger design, transaction lifecycle management, variance tracking and exception reporting.
• A working knowledge of GO
• Experience in modularizing monolithic applications, and when to move towards services vs microservices
• Familiarity with design patterns that support long?term sustainability
• Skills in solving complex performance problems

Benefits

• Competitive salary and benefits with growth?company options grant
• Fast?paced and professional work culture
• Stock options with standard startup vesting 1 year cliff; 4 years total
• $50 monthly communication expense stipend to go towards your phone/internet bill
• $250 stipend to enhance your WFH setup
• Reimbursement for peripheral equipment: monitor (up to $400), keyboard and mouse (up to $200)
• Premium medical benefits including vision and dental (100% coverage for employees)
• Company?sponsored life and disability insurance
• Paid parental bonding leave
• Paid sick leave, jury duty, bereavement
• 401k plan
• Flexible Time Off (our team members typically take off ~3?4 weeks per year)
• Volunteer Time Off
• 13 scheduled holidays

Salary Range

$175,000 - $200,000

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. Were in this together to do the right thing. We deliver real results we are proud of while remaining respectful, transparent, and flexible.

PayNearMe is an equal opportunity employer. We are diligently and thoughtfully working towards cultivating a diverse workforce which in turn, enhances our products and services for the communities we serve. Applicants who represent all backgrounds are strongly encouraged to apply.