About Payfinia
Payfinia is a SaaS payment hub powering community banks and credit unions across the United States. Our flagship product, IPX (Instant Payment Exchange), enables real-time payment processing across major payment rails including FedNow and RTP. We build secure, scalable, cloud-native financial infrastructure that empowers smaller financial institutions to compete at the highest level.
In addition to our core offering, we partner with third-party digital providers to integrate instant payments with traditional payment and money movement solutions. This not only extends the technology provider’s capabilities but also strengthens the payments ecosystem for our member financial institutions.

To learn more about Payfinia, visit www.payfinia.com.

ABOUT THE ROLE:
We are looking for a motivated and hands-on Java Developer with 2–3 years of experience to join our product engineering team at the India Development Center in Bengaluru. You will work on Payfinia’s core payment platform — IPX (Instant Payment Exchange) — which powers FedNow, RTP, ACH,



and Wire payment rails for financial institutions across the United States. This role offers direct exposure to production-grade, real-time payment systems in an agile, fast-paced environment.

KEY RESPONSIBILITIES (included but not limited to):
Design, develop, and maintain Java-based microservices for the IPX payment platform
Build and consume RESTful APIs; integrate with payment rails and financial institution core systems
Work with MySQL, Redis, and IBM MQ as part of the payment processing pipeline
Write clean, testable code with solid unit test coverage; participate in peer code reviews
Collaborate with senior developers, architects, and QA on sprint deliverables
Debug and resolve production issues; support incident triage and root cause analysis
Leverage AI-assisted development tools (Cursor, Claude Code) to improve productivity and code quality
Follow secure coding practices aligned with PCI-DSS and SOC2 requ

📌 Software Engineer (Bengaluru)
🏢 Payfinia
📍 Bengaluru