Senior Software Engineer, Mobile at Payabli

Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model. By unifying payment acceptance, payment issuance, and advanced payment operations tooling, Payabli empowers software companies to manage and move money through a single infrastructure stack that delivers total control over the payments experience. Built to scale with PCI DSS 4.0 and SOC 2-compliant security, Payabli’s infrastructure delivers enterprise-grade reliability and trust while leveraging AI-driven intelligence to enhance visibility, streamline operations, and drive revenue growth. Backed by leading fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, Payabli is setting the standard for embedded payments infrastructure powering the next generation of vertical SaaS. This is a founding mobile engineering role. You'll be the first dedicated native mobile engineer at Payabli, which means you won't just write code; you'll define the mobile SDK architecture, set the engineering standards, and shape the technical direction from scratch. Payabli's mobile SDKs are embedded directly into our partners' iOS and Android applications. Your code won't live in an app you control; it will run inside hundreds of other people's apps, which means every decision around API design, binary size, backwards compatibility, and integration ergonomics carries real weight. You'll build the native SDKs that enable robust, predictable, and logically consistent in-app payment flows for platforms and merchants, while ensuring the most reliable and resilient operations across Payabli's and partners’ networks. Longer term, you'll help shape Payabli's roadmap into native mobile applications as the platform evolves. What You'll Do - Build the mobile SDK from the ground up. Design, develop, and maintain native iOS (Swift) and/or Android (Kotlin) SDKs that platform partners embed directly into their applications. - Obsess over the developer experience. Your primary users are other engineers. The SDK's API surface, documentation, error messages, and integration patterns need to be clear, predictable, and hard to misuse. - Connect software to hardware. Build in-app payment flows where NFC radios, Bluetooth peripherals, and backend APIs converge into a seamless experience for the end merchant. - Ship code that runs everywhere. Your SDK will operate across a wide range of devices, OS versions, and host app architectures. You'll think constantly about compatibility, binary size, dependency management, and graceful degradation. - Harden what we ship. Mobile payments surface unique challenges around secure data storage, network resilience, certificate pinning, and offline capability. Security and compliance aren't afterthoughts; they're core to the SDK's value proposition. - Own the full lifecycle. From architecture and implementation through testing, packaging, versioning, and distribution. You'll define how the SDK is released, documented, and supported. - Ensure unquestionable reliability and resilience. Work with Payabli architects, SREs, and other engineers to integrate your SDK with Payabli's APIs, while handling real-time data, async operations, error states, and edge cases gracefully. You understand that observability is part of reliability. - Set the standard. As the founding mobile engineer, you'll establish code review practices, testing strategies, CI/CD pipelines, and architectural patterns that the team will build on as it grows. What We're Looking For - 5+ years of professional native mobile development experience. You've shipped production code that other developers or end users depend on. - Strong proficiency in Swift (iOS) and/or Kotlin (Android). Deep, not surface-level. You understand the platform's lifecycle, threading model, and performance characteristics. - Experience building SDKs, libraries, or frameworks consumed by other developers. You understand the difference between building for end users and building for engineers: versioning, backwards compatibility, minimal footprint, clear API contracts. - Solid grasp of mobile architecture patterns such as MVVM or Clean Architecture. You can make principled decisions about how to structure a codebase that others will integrate against. - API integration and reliability experience. You know how to manage async operations, caching, retry logic, and offline scenarios on mobile. - Security-minded by default. You understand mobile security principles and secure data storage, especially when handling payment data on-device. - Strong communicator. You can write clear documentation, define integration guides, and articulate technical trade-offs to product managers, partner engineers, and your own team. Nice to Haves - A degree in Computer Science, or related field (or equivalent experience – we care more about how you operate and what you can build). - Experience with mobile payments SDKs (Stripe, Square, Adyen, or similar) or building payment acceptance flows on mobile. - Familiarity with NFC, Bluetooth, or hardware peripheral integrations for card readers or point-of-sale devices. - Experience in fintech or payments technology. - Experience with SDK distribution (CocoaPods, Swift Package Manager, Maven, Gradle) and managing public releases. - Hands-on experience with mobile testing frameworks and automated testing strategies. We think you'll love being part of our team because At Payabli, you'll have a front row seat into building a high-growth venture backed fintech company. As a senior leader in Operations, you'll shape how the organization scales and be the driving force behind our AI-first operations strategy — directly influencing how we build, automate, and optimize for the future. You'll stretch yourself every day, learn a ton, grow alongside the company, and have a lot of fun building Payabli with us. We're a values driven company that cares deeply about our team, partners, and customers. Our north star values are: 🤝 Team Love = Customer Love — You understand that when you build great products for your internal partners, they deliver exceptional experiences to merchants. You obsess over the platform partners and businesses that depend on every payout landing on time. 🔥 Run to the Fire — When ACH returns spike or a card program hits a snag, you're the first one in the war room. You don't shy away from hard problems—you chase them. You volunteer for the complex, messy challenges others avoid. 🔍 Little Things Count — You sweat the details because you know a single decimal error in a payout can damage a business. You double-check edge cases, validate every assumption, and understand that excellence lives in the details. 💎 Truth Seekers — You give direct feedback, receive it with grace, and never let ego get in the way of finding the right answer. You document what you don't know, admit mistakes quickly, and hold yourself accountable in the open. 🚀 Relentlessly Curious — You're constantly asking "what if?" and "why not?" You study how competitors solve problems, explore adjacent industries for inspiration, and never stop learning about the payments ecosystem. We build technology that gets noticed and a workplace where people want to grow their careers.. Our work has been recognized by some of the industry’s most respected organizations, including the 2026 Forbes Fintech 50 list, which highlights the most innovative private companies in financial technology, Inc.’s 2025 Best Workplaces, and Built In’s 2026 Best Places to Work in Miami. WHAT WE CAN OFFER YOU - Competitive salary - Stock options with the potential to unlock more equity as we grow - Flexible PTO and paid parental leave - Medical, dental, & vision insurance - 401K, HSA, pre-tax savings programs Payabli is an equal opportunity employer and values a diverse, inclusive workplace. Principals only. No external agency submissions. Candidates must apply directly; We will not accept submissions from third-party recruiters or staffing agencies.