Senior Software Engineer (Rails + Go) - Remote

Senior Software Engineer (Rails Go) - RemoteAt PayNearMe, we're 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.We're a team of 200employees across 41 states, headquartered in Silicon Valley with satellite offices in Dallas, TX and Holmdel, NJ.Join us and be part of a team that's shaping the future of paymentsone experience at a time.As a Senior Software Engineer, you will own and develop critical code that powers our platform, enabling retailers and consumers to move billions of dollars seamlessly through integrations with various banks.Working with technologies like Ruby on Rails and Go, you will design, build, and optimize scalable systems for high-volume financial transactions.You'll collaborate closely with cross-functional teams to deliver reliable, secure, and performant solutions, while ensuring smooth integration with multiple critical partners.Additionally, you will mentor junior engineers and drive architectural improvements, with your contributions directly influencing the platform's scalability and innovation as we grow.Job DescriptionDevelop 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.QualificationsDemonstrated 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 audiencesExperience working in a large codebase and communicating about codeAbility to make practical decisions with good judgment when faced with design constraintsCommitment to writing well-tested code that considers security, performance, and resilienceRespect and support for team members of all levels and backgrounds, with openness to both teaching and learningPreferred QualificationsUnderstanding 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 GOExperience in modularizing monolithic applications, and when to move towards services vs microservicesFamiliarity with design patterns that support long-term sustainabilitySkills in solving complex performance problems.