PayNearMe, Inc. logo

Senior Software Engineer (Rails Go) - Remote

Job Overview

Location

Santa Clara

Job Type

Full-time

Category

Software Engineer

Date Posted

January 18, 2026

Full Job Description

đź“‹ Description

  • • Architect and own critical, revenue-generating services that move billions of dollars annually between retailers, consumers, and a network of global banks. Your code will be the backbone of a platform trusted by Fortune-500 merchants and millions of shoppers.
  • • Design, build, and harden high-throughput Ruby on Rails monoliths and Go micro-services that process thousands of financial transactions per second with sub-second latency and 99.99 % uptime. You will model complex money-movement workflows, implement idempotent APIs, and guarantee ACID compliance across distributed systems.
  • • Lead the end-to-end delivery of new product capabilities—from whiteboard sketches to production rollout—working shoulder-to-shoulder with product managers, designers, QA, and risk & compliance teams. Translate regulatory requirements (PCI-DSS, SOC 2, PSD2) into elegant, secure software designs.
  • • Champion code quality and reliability: maintain our 95 % RSpec coverage bar, enforce rigorous pull-request reviews, and introduce property-based and contract tests where appropriate. You will instrument services with distributed tracing, metrics, and alerting so anomalies are caught before customers feel them.
  • • Make pragmatic architectural trade-offs daily—deciding when to extract a service, shard a database, or adopt an event-driven pattern—while balancing velocity, cost, and long-term scalability. Your decisions will directly influence the company’s ability to enter new markets and onboard new banking partners without rewrites.
  • • Own the production lifecycle: build CI/CD pipelines (GitHub Actions, ArgoCD), automate blue-green and canary deployments, and participate in a follow-the-sun on-call rotation. When alerts fire, you debug live traffic, coordinate incident response, and author blameless post-mortems that turn outages into durable improvements.
  • • Mentor and level-up a distributed team of mid-level and junior engineers through pair programming, architecture reviews, and career-development plans. You will establish coding standards, lead weekly tech talks, and create reusable libraries that accelerate every squad.
  • • Continuously optimize for performance and cost: profile Ruby and Go runtimes, tune Postgres queries, leverage read replicas, and experiment with new data stores (e.g., CockroachDB, Aurora) to shave milliseconds and dollars off every transaction.
  • • Collaborate with external bank and fintech partners to design secure, mutually beneficial integrations. You will map legacy file formats to modern REST/JSON, implement OAuth 2.0 and mTLS, and ensure every webhook and API call is idempotent and replay-safe.
  • • Contribute to the open-source community by extracting internal gems and Go modules, writing blog posts, and speaking at meetups—raising the company’s engineering brand while giving back to the ecosystem that powers us.

Skills & Technologies

Ruby
Rails
Senior
Onsite

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PayNearMe, Inc. logo
PayNearMe, Inc.
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About PayNearMe, Inc.

PayNearMe operates a cash payment network allowing consumers without traditional banking to pay bills, rent, and loan installments at participating retail locations. The system converts cash into electronic payments for businesses in lending, property management, auto finance, and utilities. Users receive a barcode or payment code to complete transactions at 7-Eleven, CVS, Family Dollar, and other chains. Merchants gain guaranteed electronic settlement and compliance tracking. Founded in 2009 and headquartered in Santa Clara, California, the company serves lenders, property managers, and government agencies needing inclusive payment options across the United States.

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