What are the responsibilities and job description for the Mural Pay - Payments Engineer position at deCircle?
As a Payments Engineer, you will have the opportunity to join our growing Engineering team and report to the Head of Engineering and CTO. You will be staffed directly on one of our highest-leverage new initiatives: building Mural's credit card processing infrastructure from the ground up — including acquirer integration, PCI-scoped data handling, and modern checkout flows that power card-based pay-ins and pay-outs across our platform. This is a core new piece of Mural's infrastructure, and we're hiring someone who has done this before and can come in with thesis-backed opinions on how and why to build it a certain way.
Responsibilities
Own the card stack end-to-end:
Architect and ship our acquirer integration — authorization, capture, void, refund, partial capture, 3DS, network tokens, account updater, and settlement/reconciliation flows
Design and build PCI-compliant data handling: tokenization, scope minimization, vaulting strategy, and secure checkout surfaces that keep Mural in the smallest possible PCI footprint (SAQ A where feasible)
Integrate robust abstractions for payment orchestration that minimize complexity and ensure extensibility as we add networks, acquirers, and geographies
Shape the future of our product, solve real-world use cases:
Contribute in a full-stack manner to Mural's platform and API offerings
Build checkout experiences and hosted payment flows — including SDKs, iframes/elements, and server-side orchestration that balance conversion, fraud, and compliance
Build robust chargeback, dispute, and exception handling pipelines, including evidence submission, representment workflows, and fraud signal integration;
Design for idempotency, auditability, and eventual consistency across card authorization, capture, and payout workflows — with a deep respect for retries, network timeouts, and dual-writes
Communicate implementation tradeoffs across acquirers, processors, and gateways with a focus on cost, performance, auth rates, security, and observability
Our stack: TypeScript React, NestJS Postgres Prisma, AWS (SQS/SNS/Lambda), Vercel, Docker
5 years of experience in fullstack or backend software engineering, with hands-on card processing infrastructure experience
Visa sponsorship not available
Case-by-case with H1-B transfers and TN