Senior Software Engineer, Payment Intelligence

  • San Francisco, CA
  • Full-time
  • Alternate Location: Seattle, United States

Company Description

We believe everyone should be able to participate and thrive in the economy. So we’re building tools that make commerce easier and more accessible to all. We started with a little white credit card reader but haven’t stopped there. Our new reader helps our sellers accept chip cards and NFC payments, and our Cash app lets people pay each other back instantly. We’re empowering the independent electrician to send invoices, setting up the favorite food truck with a delivery option, helping the ice cream shop pay its employees, and giving the burgeoning coffee chain capital for a second, third, and fourth location. Let’s shorten the distance between having an idea and making a living from it. We’re here to help sellers of all sizes start, run, and grow their business—and helping them grow their business is good business for everyone.

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. The team's engineers 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 pricing models such as custom pricing and cost-plus to make Square's pricing better for sellers.

Ongoing Challenges

  • Pricing Platform - as Square’s product ecosystem grows, we need to support ever changing pricing requirements and invent new pricing structures to ensure we always provide our sellers with fair and competitive pricing.

  • Transaction Cost datastore – We use cutting edge cloud data infrastructure to provide a stable data foundation to calculate transaction cost real time.

  • Payment Routing - We're always trying to provide better service to our sellers by reducing our transaction costs and decline rates. ML-based cost and decline rate prediction help us better route and process payments through our various processing partners to achieve these goals.


You will:

  • Design scalable and reliable systems that solves the problems related to pricing, costs, and routing

  • Implement the designed solutions and new features and optimize them

  • Evaluate cloud-based platforms and services when choosing technology

  • 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-driven 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

We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Square is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class. 

We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.


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

Square, Inc. (NYSE: SQ) builds tools to empower businesses and individuals to participate in the economy. Sellers use Square to reach buyers online and in person, manage their business, and access financing. Individuals use Cash App to spend, send, store, and invest money. And TIDAL is a global music and entertainment platform that expands Square's purpose of economic empowerment to artists. Square, Inc. has offices in the United States, Canada, Japan, Australia, Ireland, Spain, Norway, and the UK.

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