Build and operate secure, cloud-native payment systems supporting card, alternative payment, tokenization, fraud, settlement, and reconciliation workflows. Develop APIs and event-driven services, integrate payment processors, manage Kubernetes and service mesh infrastructure, improve reliability and transaction performance, and maintain observability. Participate in on-call rotations, incident reviews, security and compliance activities, CI/CD improvements, documentation, and cross-functional delivery. Requires software engineering experience, payment systems expertise, cloud knowledge, secure coding practices, and familiarity with PCI DSS.
A Day in the Life:
The Payments Engineer is a hands-on engineering building and operating Hertz’s payment systems and integrations. This role designs, builds, tests, deploys, and maintains Cloud enabled payment engine and services across card-present, card-not-present, and alternative payment methods, including tokenization, fraud signals, settlement, and reconciliation flows.
The Payments Engineer reports to the Sr Manager Payments Engineering, partners closely with the Solutions Architect on design and pattern adoption, participates in on-call rotation, and contributes to the engineering culture and standards of the team.
What You’ll Do:
- Design, build, test, and deploy scalable and secure cloud-native payment applications, services and integrations across card-present, card-not-present, and alternative payment methods.
- Implement integrations with payment gateways and processors such as Adyen, CyberSource, Stripe, Braintree, Worldpay, or FIS.
- Implement tokenization, vault interactions, and secure handling of cardholder data within PCI scope.
- Build and maintain APIs and event flows for authorization, capture, refund, void, chargeback, and settlement.
- Implement and tune fraud signals, scoring rules, and chargeback dispute workflows in coordination with the Risk and Fraud teams.
- Build observability into all payment paths, including structured logs, metrics, traces, and alerting.
- Participate in on-call rotation; respond to incidents and lead post-incident reviews for areas you own.
- Drive measurable improvements in transaction success rate, latency, and reliability for the systems you own.
- Write secure code aligned with PCI DSS and Hertz security standards; participate in threat modeling and security reviews.
- Develop resilient, event-driven services using AWS and other serverless technologies.
- Create, configure and manage Kubernetes clusters at scale. Implement best practices and configure and manage service mesh
- Collaborate with Product, QA, and Operations to translate business requirements into technical implementations.
- Author and maintain technical documentation, runbooks, and architectural decision records for payment systems you own.
- Continuously improve developer experience, build / test / deploy pipelines, and code quality.
- Stay current on payments industry trends, card scheme rules, and emerging payment methods.
- Ensure compliance with all Corporate Policies and Procedures, PCI DSS, and SOX requirements.
What We’re Looking For:
- Bachelor’s Degree in Computer Science, Information Systems, Engineering, or related field, or equivalent practical experience.
- 4+ years of software engineering experience, with 2+ years’ building or operating payment systems.
- Hands-on experience with at least one major payment gateway or processor such as Adyen, CyberSource, Stripe, Braintree, Worldpay, FIS, or ACI.
- Proficiency in a modern backend language such as Java, Kotlin, Python, or Go, and experience with REST and event-driven APIs.
- Working knowledge of PCI DSS, tokenization, encryption, and secure handling of payment data.
- Experience with relational and / or distributed data stores; comfortable writing and tuning SQL.
- Experience with cloud platforms (AWS, Azure, or GCP) and CI / CD pipelines.
- Strong debugging and root-cause analysis skills, including across distributed systems.
- Effective written and oral communication.
- Experience with fraud platforms, 3D Secure, or chargeback / dispute systems is a plus.
- Experience with ISO 8583 or ISO 20022 messaging is a plus.
- Experience working in a regulated or compliance-heavy environment (PCI, SOX, or similar) is a plus.
- Industry experience in transportation, hospitality, retail, or marketplace businesses is a plus.
We expect the starting salary to be around $90,000, Actual salary will be determined based on relevant work experience
What You’ll Get:
- Up to 40% off the base rate of any standard Hertz Rental
- Paid Time Off
- Medical, Dental & Vision plan options
- Retirement programs, including 401(k) employer matching
- Paid Parental Leave & Adoption Assistance
- Employee Assistance Program for employees & family
- Educational Reimbursement & Discounts
- Voluntary Insurance Programs - Pet, Legal/Identity Theft, Critical Illness
- Perks & Discounts –Theme Park Tickets, Gym Discounts & more
At Hertz, we champion and celebrate a culture of diversity and inclusion. We take affirmative steps to promote employment and advancement opportunities. The endless variety of perspectives, experiences, skills and talents that our employees invest in their work every day represent a significant part of our culture – and our success and reputation as a company.
Individuals are encouraged to apply for positions because of the characteristics that make them unique.
EOE, including disability/veteran
Similar Jobs
Fintech • HR Tech
Design, build, and maintain Gusto’s financial data and payment systems, including ledgers, subledgers, reconciliation, reporting, payment profiles, bank verification, and payment infrastructure. Lead variance investigations, make architectural decisions, scale Ruby/Rails and TypeScript/React applications, collaborate cross-functionally, and mentor engineers while ensuring correctness, auditability, and fault tolerance.
Top Skills:
AchReactRtpRubyRuby On RailsTypescriptWire Transfers
Cloud • Fintech • Information Technology • Machine Learning • Software
Lead the design and development of secure, scalable, high-throughput payment platform services. Build payment orchestration, fraud and risk capabilities, multi-provider integrations, and global bill payment products. Contribute hands-on to production code and proofs of concept, establish technical direction, mentor engineers, collaborate cross-functionally, and promote AI tools that improve engineering productivity.
Top Skills:
Api DesignArtificial IntelligenceAWSC#C++GoJavaNoSQLSQL
Machine Learning • Travel
Own and productionize a payments backend supporting financial ledgers, digital wallets, cryptocurrency transactions, custody infrastructure, and fiat integrations. Complete payment processing, settlement, reconciliation, balance accounting, wallet integrations, testing, monitoring, recovery, and security. Integrate REST and gRPC services, troubleshoot distributed systems, and deliver scalable infrastructure using technologies such as Rust, Fireblocks, TigerBeetle, Solana, AWS, and PostgreSQL.
Top Skills:
Asynchronous ProcessingAWSBlockchainCi/CdCryptocurrency WalletsCryptographic SigningDigital Asset CustodyDistributed SystemsDockerEncryptionEvent-Driven ArchitectureFireblocksGoGrpcMonitoringPostgresRestRustSecrets ManagementSolanaSpl TokensTigerbeetle
What you need to know about the Colorado Tech Scene
With a business-friendly climate and research universities like CU Boulder and Colorado State, Colorado has made a name for itself as a startup ecosystem. The state boasts a skilled workforce and high quality of life thanks to its affordable housing, vibrant cultural scene and unparalleled opportunities for outdoor recreation. Colorado is also home to the National Renewable Energy Laboratory, helping cement its status as a hub for renewable energy innovation.
Key Facts About Colorado Tech
- Number of Tech Workers: 260,000; 8.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lockheed Martin, Century Link, Comcast, BAE Systems, Level 3
- Key Industries: Software, artificial intelligence, aerospace, e-commerce, fintech, healthtech
- Funding Landscape: $4.9 billion in VC funding in 2024 (Pitchbook)
- Notable Investors: Access Venture Partners, Ridgeline Ventures, Techstars, Blackhorn Ventures
- Research Centers and Universities: Colorado School of Mines, University of Colorado Boulder, University of Denver, Colorado State University, Mesa Laboratory, Space Science Institute, National Center for Atmospheric Research, National Renewable Energy Laboratory, Gottlieb Institute
