资深软件工程师 - 支付网关
Staff Software Engineer - Payments Gateway
关于Nu
Nu是拉丁美洲领先的数字银行，为巴西、墨西哥和哥伦比亚的1.4亿客户提供服务。该公司通过利用数据和专有技术开发创新产品和服务，引领行业变革。
秉承着对抗复杂性并赋能人们的使命，Nu为客户提供完整的金融旅程，通过负责任的贷款和透明度促进金融准入和进步。公司由一个高效且可扩展的商业模式驱动，结合低成本服务与不断增长的回报。
Nu的影响已获得多项奖项的认可，包括《时代》100家最具影响力公司、《快公司》最具创新力公司以及福布斯全球最佳银行。
访问我们的机构页面 https://www.nu.com/2026-en
关于职位
你将加入Nubank获取解决方案背后的工程团队，参与Tap to Pay（TAP）体验——将手机和专用终端转变为安全可靠的支付设备，供我们的商户使用。
作为支付平台资深软件工程师，你将负责我们系统的设计和实现，包括授权、清算和结算。
目前我们严重依赖合作伙伴（例如Zoop）；我们的战略方向是垂直整合：构建自己的支付SDK和网关，以减少依赖，获得端到端的可观测性，并控制商户体验的核心部分。
这是一个高影响力的职位：你将同时构建关键的网关组件，并作为支付协议和获取领域的关键知识来源，在3-5年的路线图中，为多个小组（TAP、获取平台）播种专业知识。
你将负责
- 设计和构建Nubank支付网关后端，处理终端发出后的POS和Tap to Pay交易，作为设备与外部获取商/合作伙伴之间的核心授权和路由层。
- 通过开发我们自己的支付SDK和网关，垂直整合合作伙伴提供的功能，减少对第三方交易处理的依赖，提升可观测性、稳定性和对端到端流程的控制。
- 为受限的支付环境设计架构，与嵌入式/移动端团队合作，考虑硬件外设（NFC、EMV读卡器、打印机）、离线/延迟敏感流程以及终端上的严格数据计划限制。
- 作为我们获取解决方案的技术桥梁
查看英文原文
ABOUT NU
Nu is the leading digital bank in Latin America, serving 140 million customers across Brazil, Mexico, and Colombia. The company has been leading an industry transformation by leveraging data and proprietary technology to develop innovative products and services.
Guided by its mission to fight complexity and empower people, Nu caters to customers’ complete financial journey, promoting financial access and advancement with responsible lending and transparency. The company is powered by an efficient and scalable business model that combines low cost to serve with growing returns.
Nu’s impact has been recognized in multiple awards, including Time 100 Most Influential Companies, Fast Company’s Most Innovative Companies, and Forbes World’s Best Banks.
Visit our Institutional Page https://www.nu.com/2026-en
ABOUT THE ROLE
You will join the engineering group behind Nubank's Acquiring solutions, as Tap to Pay (TAP) experiences — turning phones and dedicated terminals into secure, reliable payment devices for our merchants.
As a Staff Software Engineer – Payments Platform, you will lead the design and implementation of our systems for authorization, clearing and settlement
Today we rely heavily on partners (e.g., Zoop); our strategic direction is to verticalize: building our own Payments SDKs and gateway to reduce dependency, gain end-to-end observability, and control core parts of the merchant experience.
This is a high-impact role: you will both build critical gateway components and act as a key knowledge source on payments protocols and acquiring, seeding expertise across multiple squads (TAP, Acquiring platforms) over a 3–5 year roadmap.
YOU’LL BE RESPONSIBLE FOR
- Designing and building Nubank’s payments gateway backend that processes POS and Tap to Pay transactions after they leave the terminal, acting as the core authorization and routing layer between our devices and external acquirers/partners.
- Verticalizing partner-provided capabilities by developing our own Payment SDK
- and gateway, reducing reliance on third parties for transaction processing and improving observability, stability and control over the end-to-end flow.
- Designing architecture for constrained Payment environments, collaborating with embedded/mobile teams to account for hardware peripherals (NFC, EMV readers, printers), offline/latency-sensitive flows, and tight data-plan limits on terminals.
- Acting as a technical bridge between our acquiring solutions, ensuring both surfaces share a robust, scalable core transaction processing flow while serving different form factors and partners.
- Integrating with acquirers and networks , designing robust flows for authorizations, settlements and error handling, and progressively increasing our ownership of these interactions.
- Leading long-term platform design (3–5 years) for acquiring and gateway, ensuring we build scalable, reusable components instead of point solutions, and that we can support new products and geographies over time.
- Seeding and multiplying domain knowledge: running whiteboard sessions, design reviews and knowledge-sharing routines so that other backend engineers can learn POS/acquiring patterns and contribute effectively.
- Collaborating with external experts and partners, representing Nubank in technical discussions with vendor and acquirer engineering teams, and shaping agreements and interfaces that allow our platform to scale cleanly.
WE ARE LOOKING FOR A PERSON WHO HAS
Required
- Staff-level backend engineering experience (or equivalent) designing and operating high-scale, mission-critical systems.
- Strong background in payments / POS / acquiring backends, with experience in transaction processing and connectivity with acquirers and/or payment networks.
- Hands-on experience with ISO 8583 (or very similar card-payment protocols) and the surrounding concepts (authorization flows, reversals, settlement, offline/queued transactions).
- Experience working with or alongside POS / embedded / payments hardware teams, understanding constraints around peripherals, connectivity, offline behavior and latency.
- Proven track record designing and evolving gateways or switches that connect to multiple acquirers or processors.
- Ability to operate as a technical leader and knowledge-multiplier: mentoring senior engineers, running structured design sessions and defining long-term technical direction.
- Strong communication skills and resilience: comfortable dealing with incidents, complex cross-team situations and external stakeholders, and able to keep discussions productive under pressure.
- Proven experience with PCI DSS v4.0 compliance standards, with the ability to design architectures that ensure secure isolation of the CDE (Cardholder Data Environment) and meet payment data security requirements.
- Comfort working in a hybrid model in Brazil (São Paulo or Belo Horizonte) collaborating in English and Portuguese across local and global teams.
Nice to have
- Experience at companies that have internalized POS/acquiring stacks (e.g., Mercado Pago, PagBank, Stone, Infinity Pay, or similar players).
- Previous work on Tap to Pay or SoftPOS solutions.
- Familiarity with regulatory and compliance aspects of card-present payments in Brazil.
LOCATION FOR THIS OPPORTUNITY
- Brazil – Hybrid hubs: São Pauloor Belo Horizonte (aligned with Nubank’s official office locations).
WORK MODEL FOR THIS ROLE
- Hybrid 2–3 times/week: Our hybrid work model brings us to the office at least twice a week, on strategic days designed to maximize team connection and collaboration. For more details, visit https://building.nubank.com/nu-hybrid-work-model/ https://building.nubank.com/nu-hybrid-work-model/
OUR BENEFITS – BRAZIL (EMPLOYEE, HYBRID)
- Chance of earning equity at Nubank
- Food / Meal Card (Vale-Refeição and/or Vale-Alimentação)
- Public Transportation Commuting Benefit (Vale-Transporte)
- NuCare – Psychological, Financial and Legal Assistance Program
- Life Insurance
- Medical Plan
- Dental Plan
- NuLanguage – Language Course Program
- Nucleo – Our learning platform of courses
- Extended Parental Leave
- Daycare Allowance
- Parental Consultancy
- Work-from-home Allowance
- Gym Partnerships
- 30 days of paid vacation
- Relocation Assistance Package, if applicable
JOIN US
If you want to build the payments gateway that will power Nubank’s POS and Tap to Pay products — combining deep industry protocols, large-scale backend engineering and long-term platform design — we’d love to hear from you.
Apply now to be our Staff Software Engineer – Payments Gateway in Brazil.
Our recruitment process may involve the use of artificial intelligence–enabled tools, such as automated interview transcription and analysis, to support the evaluation process. Artificial intelligence is not used to make final hiring decisions; all decisions are made by human reviewers.