AI-Native Full-Stack Engineer (Fintech / Payments)

Remote · Full-time · 3+ months engagement 

About the Role 

We're hiring an AI-Native Full-Stack Engineer on behalf of our client, a fintech company building a Merchant Operating System — an all-in-one platform for payments, loyalty and rewards, invoicing, recurring billing, and fraud and chargeback protection. The platform helps online, in-store, and mobile businesses process payments smarter, keep more of what they earn, and scale with less friction. 

You'll join the client's team to build and improve core parts of the platform: from zero-fee card processing and fast payouts to seamless merchant onboarding and fund-protection tools. The product serves small and medium businesses as well as high-risk merchants, for whom reliability, security, and uninterrupted access to funds are critical. 

This is a hands-on role for an engineer who knows the payments domain from the inside and uses AI tools as a natural part of everyday development. 

Key Responsibilities 

• Design, build, and maintain full-stack features using Nest.js, Next.js, and Golang 
• Develop backend services in Nest.js and Go, and frontend applications in Next.js 
• Integrate and maintain payment service providers and financial APIs (Adyen, Stripe, Checkout.com, Plaid, etc.) 
• Develop functionality for payment processing, payouts, recurring billing, invoicing, and loyalty 
• Contribute to fraud prevention and chargeback protection features 
• Design and optimize data models across SQL and NoSQL databases 
• Build and deploy services on AWS with a focus on security, reliability, and scalability 
• Use AI-assisted development tools to speed up delivery while keeping code quality high 
• Collaborate with the client's product and engineering team on technical decisions and delivery 

What We're Looking For 

Must Have 

• Solid commercial experience as a Full-Stack Engineer with Node.js (Nest.js) and Next.js 
• Commercial experience with Golang for backend services 
• Proven fintech background — payments, banking, lending, or other financial products 
• Hands-on experience integrating payment and financial APIs such as Adyen, Stripe, Checkout.com, or Plaid 
• Strong experience with SQL and NoSQL databases 
• Practical experience with AWS 
• AI-native approach to development — confident daily use of AI coding tools in your workflow 
• Availability for full-time engagement for 3+ months 
• Native Ukrainian speaker

Nice to Have 

• Experience with fraud detection, risk management, or chargeback handling 
• Background working with high-risk merchants or merchant acquiring 
• Experience with recurring billing, subscriptions, or loyalty/rewards systems 
• Knowledge of PCI DSS and security best practices for handling payment data 

Why You'll Love This Role 

• Build a product with direct impact on how businesses get paid and grow 
• Work deep in the payments domain with top-tier providers and APIs 
• Modern stack and an AI-first engineering culture 
• Real ownership over features across the whole stack 
• Fully remote, full-time collaboration with the client's team 

Hiring Process 

1. Interview with the HR team 
2. Technical Interview
3. Final Interview (with CTO)
4. Client's interview

If you believe you're a great fit for this role but may be missing some skills, don't hesitate to share your CV — what matters most is your intention and personality, as skills can be developed along the way