About Payoneer
Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.
By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.
Role summary
Location: Guang Zhou
On-site | Full-time
As a full stack development engineer with more that 5 years of experience. You will serve as a core technical member of the development team, participating in the design, development, deployment, and full lifecycle maintenance of the company's cross-border payment system. You need to have a high pursuit of code quality, system stability, and security to ensure that you can provide secure, stable, and efficient services to users worldwide.
What you’ll do
- System design and development: Participate in the core architecture design and technical solution development of cross-border payment platforms, responsible for the development and iteration of core modules such as transactions, clearing and settlement, risk control, and account systems, and write high-quality and maintainable code.
- Performance optimization and stability assurance: Monitor and optimize system performance, handle online failures, and ensure high availability of the system in high concurrency, multi time zone environments (target 7x24 hour stable operation). Build a full chain stress testing, monitoring, and log analysis system to quickly locate and resolve performance bottlenecks and anomalies.
- Security and Compliance: Build a payment system that complies with international security standards and Chinese regulatory requirement, design and implement a fund security protection system, including transaction monitoring, API communication encryption, anti-attack strategies, etc., to ensure the security of user data and funds.
- Deployment and Operations Collaboration: Proficient in using containerization technologies such as Docker and Kubernetes, collaborating with operations teams to achieve automated deployment, publishing, and governance of services.
- Teamwork and documentation: Work closely with product, front-end, testing, and operation teams to complete requirement reviews and implement technical solutions. Write clear technical design documents, API documents, and system architecture documents.
Who you are
- 5+ years working experience in a high-tech or fin-tech company or has experience in core modules of cross-border payments or third-part payments.
- Java Core: Proficient in Java language and JVM principles, with a deep understanding of multithreading, concurrent programming, collection frameworks, and performance tuning.
- Mainstream frameworks: Proficient in Spring Boot, Spring Cloud and other mainstream open source frameworks, and understand their core principles.
- Database and Middleware: Proficient in MySQL and SQL optimization, familiar with at least one NoSQL database (such as Redis) and its application scenarios. Proficient in using commonly used message middleware such as RocketMQ/Kafka.
- Solid understanding of HTML5, CSS3, and JavaScript (ES6+). Familiarity with TypeScript is a plus.
- Hands-on experience with React and modern state management. Familiarity with Next.js and Ant Design is preferred.
- Basic knowledge of modern frontend build workflows (e libraries, bundlers) and version control (Git).
- Distributed technology: Familiar with the concept of distributed systems, microservice architecture design and governance, familiar with common solutions such as distributed transactions, caching, locks, etc.
- Excellent logical thinking, problem analysis and positioning skills, and technical problem-solving abilities.
- Good teamwork spirit and cross-cultural communication skills, able to adapt to multi time zone collaboration.
- Strong sense of responsibility and risk awareness, highly sensitive to financial security vulnerabilities.
As a plus
- Daily user of AI coding tools such as Cursor, GitHub Copilot, Claude Code etc; able to configure and govern usage effectively.
- Proven ability to translate product requirements into high‑quality prompts and validate AI‑generated code with tests and static analysis.
- Understands limitations, privacy, licensing, and security considerations for AI‑assisted code; adheres to org policy and data‑handling rules.
- Experience building lightweight internal “AI agents” or scripts to automate repetitive engineering tasks (e.g., refactors, doc updates, test generation).
The Payoneer Ways of Working
Act as our customer’s partner on the inside
Learning what they need and creating what will help them go further.
Do it. Own it.
Being fearlessly accountable in everything we do.
Continuously improve
Always striving for a higher standard than our last.
Build each other up
Helping each other grow, as professionals and people.
If this sounds like a business, a community, and a mission you want to be part of, apply today.
We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.
Skills Required
- 5+ years working experience in high-tech or fintech, or experience in cross-border/third-party payments
- Proficient in Java and JVM principles, multithreading, concurrent programming, collections, and performance tuning
- Proficient in Spring Boot and Spring Cloud
- Proficient in MySQL and SQL optimization
- Familiar with at least one NoSQL database such as Redis
- Proficient with message middleware such as RocketMQ or Kafka
- Solid understanding of HTML5, CSS3, and JavaScript (ES6+)
- Familiarity with TypeScript
- Hands-on experience with React and modern state management
- Familiarity with Next.js and Ant Design
- Basic knowledge of frontend build workflows and bundlers, and version control (Git)
- Proficient with containerization and orchestration (Docker, Kubernetes)
- Familiar with distributed systems concepts, microservices design, distributed transactions, caching, locks
- Experience designing and implementing security, transaction monitoring, and compliance controls for payment systems
- Good teamwork, cross-cultural communication skills, and ability to work across time zones
Payoneer Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Payoneer and has not been reviewed or approved by Payoneer.
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Healthcare Strength — Healthcare coverage in the US is described as fully funded for medical, dental, and vision. Feedback suggests this materially boosts the value of total rewards.
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Leave & Time Off Breadth — Time off includes 20 PTO days and supportive flexibility such as work-from-home reimbursements. These elements are frequently cited as enhancing work-life balance.
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Wellbeing & Lifestyle Benefits — Wellbeing and lifestyle perks such as wellness stipends, free Friday lunches, stocked kitchens, and office events are highlighted. These extras are seen as augmenting overall compensation value.
Payoneer Insights
What We Do
Payoneer is the financial technology company empowering borderless businesses to transact, do business, and grow globally. Founded in 2005, we're here to enable entrepreneurs and businesses in 190+ countries and territories to succeed in the global economy. Our all-in-one financial platform is built to removes barriers and simplify cross-border commerce, making it easier for millions of SMBs to pay and get paid, manage their funds across multiple currencies, and grow their businesses.
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