Senior Full Stack Developer

Role: Full Stack Development

Location: Dubai, United Arab Emirates

Department: Software Development

Reporting To: Chief Technology Officer

Type: Full-Time Industry: Fintech / Payments

About the Role

We are seeking a Senior Full Stack Developer to join VaultsPay's engineering team. This is a hands-on role focused on building and scaling the core components of our payments platform — Payment Gateway infrastructure, Card Issuance & Acquiring systems, and POS software. You will design and deliver robust, secure, and high-performance backend services while contributing to full-stack features that directly power merchant and consumer payment experiences across the UAE and beyond.

Major Responsibilities

• Payment Gateway Development - Design, develop, and maintain scalable payment gateway infrastructure handling high-volume transaction processing.
• Integrate with international card schemes (Visa, Mastercard) and local payment rails (UAE Switch, UAEFTS).
• Build and optimize transaction routing, authorization, settlement, and reconciliation modules.
• Implement retry logic, fallback mechanisms, and failover strategies to ensure 99.99% uptime.
• Integrate with 3DS authentication providers and third-party fraud/risk engines Issuance & Acquiring Systems.
• Build backend services for virtual and physical card issuance (prepaid, debit, credit).
• Develop acquiring-side solutions to onboard merchants, manage terminals, and process transactions.
• Integrate with card processors and banking partners via ISO 8583, REST, or SOAP interfaces.
• Implement KYC/KYB workflows, cardholder lifecycle management, and transaction monitoring pipelines.
• Build clearing, settlement, and chargeback management modules aligned with scheme rules POS Development.
• Develop backend APIs and services powering Android/Linux-based POS terminals.
• Design and implement transaction flows for contactless (NFC), EMV chip, and QR-based payments.
• Build merchant-facing dashboards, reporting APIs, and device management systems.
• Support integration with inventory, loyalty, and ERP systems via RESTful and webhook APIs.
• General Full Stack Engineering.
• Architect and build RESTful and event-driven microservices.
• Design and optimize relational and non-relational databases.
• Build frontend components and dashboards for internal operations and merchant portals.
• Develop and maintain CI/CD pipelines, containerized deployments (Docker, Kubernetes).

Must Have

• 5–10+ years of experience in full stack / backend development  Strong backend proficiency in Node.js, Java, or .NET
• Frontend experience with React or Angular
• Solid knowledge of databases: PostgreSQL, MySQL, MongoDB, Redis
• Deep familiarity with payment gateways, ISO 8583, card schemes (Visa/Mastercard)
• Hands-on experience with POS terminal software and EMV/NFC payment flows
• Experience with card issuance and acquiring platform development
• Cloud platform experience: AWS, Azure, or GCP  Proficiency with Docker, Kubernetes, CI/CD pipelines.
• Strong understanding of PCI-DSS compliance and secure coding (OWASP Top 10)
• Experience with tokenization, encryption (AES-256, TLS 1.3), and key management
• Domain Knowledge  Solid understanding of the end-to-end payments lifecycle — authorization, clearing, settlement, reconciliation
• Familiarity with 3DS authentication, fraud scoring, and AML monitoring
• Knowledge of UAE/GCC payment regulations is a strong advantage Soft Skills
• Strong problem-solving and system design abilities
• Ability to work in a fast-paced fintech environment
• Good communication skills for cross-functional collaboration with product, compliance, and banking partners

Nice to Have

• Experience with ISO 20022 messaging standards
• Exposure to open banking APIs or BNPL platforms
• Prior work with UAE Central Bank regulated entities
• Knowledge of HSM (Hardware Security Modules) and key management infrastructure

Job Type: Full-time

Work Location: In person