Senior Software Engineer, Payment Intelligence

  • San Francisco, CA
  • Employees can work remotely
  • Full-time
  • Alternate Location: Seattle, United States

Company Description

Square builds common business tools in unconventional ways so more people can start, run, and grow their businesses. When Square started, it was difficult and expensive (or just plain impossible) for some businesses to take credit cards. Square made credit card payments possible for all by turning a mobile phone into a credit card reader. Since then Square has been building an entire business toolkit of both hardware and software products including Square Capital, Square Terminal, Square Payroll, and more. We’re working to find new and better ways to help businesses succeed on their own terms—and we’re looking for people like you to help shape tomorrow at Square.

Job Description

Square processes billions of dollars worth of transactions every year. At that scale, even small optimizations can lead to huge business impact. Payment Intelligence makes data-driven improvements to core payment profitability by focusing on pricing, routing, decline rates and transaction cost. This work has a direct impact on Square’s profitability and financial success. This team consists of engineers that work together closely with data scientists and analysts to find and implement optimizations to our payment stack. In addition, Payment Intelligence owns the payment pricing platform at Square. It invents and develops innovative price models such as custom pricing and cost-plus to make pricing more enticing for sellers.

Ongoing Challenges

  • Transaction Cost datastore – We are utilizing the next-generation cloud data infrastructure in order to provide a stable data foundation to do ML training and calculate transaction cost real time.

  • Pricing Platform - as Square’s product ecosystem is growing, we need to support ever changing pricing requirements and invent new price models to make them more enticing for sellers.

  • Routing Recommendation - We optimize our profit margin by finding the best route for payment transactions to be routed to vendors based on ML-based cost predictions and business rules.


You will:

  • Make data-driven decisions

  • Provide data infrastructure for surrounding groups

  • Implement cost optimizations and new pricing platform features

  • Evaluate ML and cloud based platforms and services

  • Work cross-functionally with our product, business, and finance teams to develop Square’s global payments strategy

You have:

  • BA/BS degree or equivalent practical, working experience (5+ years preferred)

  • Experience in working cross-functionally and building architecting data ML and analytics solutions

  • Innate curiosity and a desire to be responsible for all aspects of reliably moving billions of dollars in a small, highly focused team

  • Understanding and curiosity in creating highly available, scalable, low-latency data systems

  • Interest in changing the payments landscape in the US and globally

Technologies we use:

  • Java, Python

  • Guice, Guava, gRPC, Protocol Buffers

  • MySQL, Airflow, Tensorflow, Google Cloud Platform (BigQuery, Google Cloud Storage, DataFlow, PubSub, CloudML etc.)

Additional Information

At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us by sending an email to assistance(at) We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.


At Square, we want you to be well and thrive. Our global benefits package includes:

  • Healthcare coverage
  • Retirement Plans
  • Employee Stock Purchase Program
  • Wellness perks
  • Paid parental leave
  • Paid time off
  • Learning and Development resources
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