FinTech Dev Needed for Real-Time Payments App
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About this role
Python, Mobile App Development, iPhone, Amazon Web Services, Node.js, Payment Gateway Integration, API Development, FinTech · Job Title: FinTech Software Developer – Real-Time Payments App MVP (NPP / PayTo API)
Project Description: We are a fast-moving FinTech startup building a disruptive real-time mobile payment application for the Australian retail market. We need an experienced FinTech Lead Developer / Architect to build our backend Minimum Viable Product (MVP).
The app allows users to scan merchant QR codes to trigger instant, bank-to-bank retail payments using Australia's New Payments Platform (NPP), PayTo, and PayID infrastructure.
Key Responsibilities:
Integrate third-party Australian Banking-as-a-Service (BaaS) REST APIs (e.g., Monoova, Zepto) and webhooks. Implement an ISO 20022-compliant payload to generate secure, dynamic merchant QR codes. Design a secure backend (Node.js, Go, or Python) with AES-256 encryption, OAuth 2.0, and device biometric token validation. Deploy and debug end-to-end payment simulations inside the SWIFT/NPP developer sandbox.
Required Experience:
Proven track record building digital wallets, payment gateways, or core ledger systems (UPI or NPP experience is a massive plus). Expert-level backend skills paired with robust databases (PostgreSQL/MySQL) and secure ca