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Senior Software Engineer

June 26, 2026

Location: North Dakota - RemoteAbout IXOPAYIXOPAY is the enterprise-grade global payment infrastructure platform built for the era of agentic commerce, equipping merchants and businesses with AI-driven intelligence, orchestration, advanced tokenization, and the tools to power every step of their payments journey. From routing and compliance to customized modules and full-scale orchestration, IXOPAY delivers the infrastructure for faster integrations, higher approval rates, and seamless global expansion.We believe our people are our most valuable asset and that our culture is defined by our core values that align the organization with our mission and strategy.About the RoleWe're looking for a Senior Software Engineer to join our team, where you'll own the backend architecture for a next-generation AI-first payment orchestration platform. You'll design and build the core systems that unify routing configuration, connector management, and token intelligence under a single control plane — replacing manual, siloed workflows with an intelligent, extensible infrastructure layer.This is a hands-on IC role with broad ownership. You'll work on a small, fast-moving team alongside a UI Developer and a Junior Engineer, augmented by AI agent tooling. You'll define the contracts other systems and agents build against, and you'll ship them to production.What You'll Do<ul><li>Architect and build the capability-aware Routing Engine — selecting downstream connectors based on instrument metadata (card brand, currency, BIN, transaction type) with fallback logic and structured routing events per transaction</li><li>Build the Configuration Service — encrypted credential store, CRUD API, and tenant-scoped routing targets with a schema extensible to new plugins without migrations</li><li>Design and publish MCP-enabled APIs that allows AI agents to query, simulate, and propose changes — with a human-in-the-loop approval gate for high-impact changes</li><li>Develop and maintain agentic anomaly detection across routing behavior and transaction patterns, feeding signals into a routing recommendation engine</li><li>Collaborate with product and the AI agent team to translate business requirements into durable, observable backend services</li><li>Mentor the Junior Engineer through code review, design discussions, and technical guidance</li></ul>What We're Looking For<ul><li>5+ years of professional software engineering experience building production backend services</li><li>Strong backend proficiency in C#/.NET — our primary stack is .NET 10</li><li>Experience designing APIs consumed by external systems or agents — REST, event-driven, or both</li><li>Solid understanding of relational databases, data modeling, and schema design for high-throughput financial systems</li><li>Background in payment systems, PSP integrations, tokenization infrastructure, or equivalent fintech backend complexity</li><li>Familiarity with security patterns relevant to payment data: credential encryption, HMAC signing, token handling, and secrets management</li><li>Comfort with cloud infrastructure — we run on Azure (App Configuration, Key Vault)</li><li>Strong communication skills and the ability to define architectural direction clearly for a small, collaborative team</li></ul>Nice to Have<ul><li>Experience integrating with LLM APIs or building MCP-compatible services</li><li>Prior work with routing engines, rules-based decisioning systems, or capability registries</li><li>Platform or SDK design experience — defining contracts and interfaces that other developers build against</li><li>Familiarity with adapter/plugin architectures for integrating third-party payment providers</li><li>Exposure to AI coding tooling and agent-assisted development workflows</li><li>Background in PCI DSS compliance engineering — scoping, segmentation, and minimizing cardholder data exposure</li><li>Experience with network tokenization, credential-on-file optimization, or Account Updater workflows</li></ul>What We Offer<ul><li>Competitive salary and benefits</li><li>Opportunities for growth and development</li><li>A collaborative and supportive team environment</li></ul>US Benefits Include<ul><li>Medical, Dental & Vision Insurance</li><li>Flexible Spending Account (FSA) & Health Savings Account (HSA)</li><li>Employer-paid Life, AD&D, STD & LTD Insurance</li><li>Unlimited PTO & Paid Holidays</li><li>401(k) Plan with Employer Match</li></ul>Equal Opportunity EmployerIXOPAY is an Equal Opportunity Employer and provides equal employment opportunities to all employees and applicants without regard to race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, genetic information, veteran status, or any other status protected by applicable federal, state, or local law. IXOPAY participates in E-Verify.

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

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