Fullstack Software Engineer - Embedded Payments

Xplor Technologies

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Location: Kansas City, MO, USA
Job Type: full-time
Work Format: 🌍 Remote
Salary: USD 95,000 - USD 105,000 yearly
Posted: October 26, 2026

Job Description

Company Description

Xplor Technologies powers the experiences at the heart of everyday life. Through modern vertical software, embedded payments, and AI-powered capabilities, we help businesses in fitness, recreation, golf and club, field services, laundry, education, and other membership-based and service-based industries simplify operations, uncover insights, and elevate customer and member experiences.

Job Description

About the opportunity

Join our Embedded Payments team as a Full Stack Software Engineer and make a real impact every day. We say that because we know that every conversation we have, every line of code we write, and every interface we design is another opportunity for us to elevate everyday life experiences for our customers and the people and communities they serve.

Reporting to the Software Engineering Manager, you'll help build and scale our cloud-native payment orchestration platform that processes significant transaction volume across multiple Xplor brands.

You are passionate about building scalable systems and great user experiences while maintaining software development best practices. You write code that is thoughtful end-to-end — from the API contract down to the database, and from the data model up through the UI. You're comfortable owning features across the stack and collaborating closely with backend, frontend, QA, and DevOps engineers to deliver high-quality software.

Our Tech Stack

Frontend: React (Vite), MUI, JavaScript
Testing: Jest, ESLint, Prettier, Storybook, Playwright, K6
Backend: Node.js, AWS (ECS, RDS/Aurora PostgreSQL, API Gateway, Lambda, Cognito, SQS, EventBridge)
DevOps: Bitbucket Pipelines, Terraform
Payments: Worldpay, Stripe, Apple Pay / Google Pay

Responsibilities & Duties

Execute the full software development lifecycle across both backend services and frontend interfaces
Design and build well-tested, well-documented features that span APIs, data models, and UI
Produce technical specifications and assess operational feasibility for new payments features
Integrate components into cohesive, production-ready systems with appropriate observability
Contribute to verification plans, quality assurance procedures, and deployment guardrails
Maintain and improve existing functionality, including documentation
Participate in deployment planning, on-call rotations, and incident response as part of running a payments platform
Use AI-assisted development tools effectively to improve velocity without compromising quality
Stay current with platform updates, security practices, and PCI compliance requirements

Qualifications

What would make you a good candidate?

We are looking for curious and empathetic people. We also love to hear from people who are motivated by meaningful work, resonate with our core values, have a positive outlook, are comfortable with ambiguity and thrive working in an ever-evolving and complex environment. We are inspired by meeting big-picture thinkers and doers, people who can be both tactical and strategic, aim high and put people first in everything they do.

You'll need:

4+ years of professional software engineering experience, with a Computer Science/Engineering degree or equivalent
Strong Node.js experience and demonstrated ability to ship production backend services
Experience building React-based frontends that consume RESTful APIs
Experience designing and building RESTful APIs and microservices
Working knowledge of relational databases (PostgreSQL preferred) and clear understanding of separation of concerns in service design
Hands-on experience with AWS or a comparable cloud platform
Experience with CI/CD pipelines (Bitbucket Pipelines, GitHub Actions, or similar)
Proficiency with Git, agile delivery (Scrum preferred), and testing frameworks like Jest
Fluency with AI-assisted development tools (Claude Code, Cursor, Copilot, etc.) and an articulate point of view on where they help and where they don't
Comfortable working on a 100% remote team and able to operate independently within an agile group

It would be great if you also have:

Experience building or operating payments systems — payment orchestration, tokenization, acquirer integrations (Worldpay, Stripe, Adyen, Finix, Basis Theory), or PCI-compliant environments
Familiarity with event-driven architectures (SQS, EventBridge, Kafka)
Exposure to observability tooling (SigNoz, Grafana, Datadog, etc.)
Infrastructure-as-code experience (Terraform)

At Xplor, we believe that the best innovation and ideas happen at the intersections of our differences - people of diverse cultures, generations, disciplines, and lived experiences. So even if you think you do not tick all the boxes, we still encourage you to apply.

The average base salary pay range for this position is $95,000 to $105,000

Fully remote option, U.S.-based (excluding Hawaii and Alaska). Preference for candidates in the Kansas City region

Additional Information

Values and Life at Xplor

Our five core values guide us from how we hire and recognise our team members to how we interact with our customers day to day:

Find a better way
Do the right thing
Say it straight
Win together
Own the outcome

If these values sound like you, and describe people you want to work with, you will thrive at Xplor.

As an Xplorer, you will be part of a global network of talented colleagues who will support your success. We look for commonalities and shared passions and give people the tools they need to deliver great work and grow at speed.

Some of our perks and benefits are:

Paid Parental Leave benefit programs
#GiveBackDays/Commitment to social impact – 3 extra days off to volunteer and give back to your local community
Ongoing dedication to Diversity & Inclusion initiatives such as D&I Council, Global Mentorship Program
Access to free mental health support
Flexible working arrangements

Ready to apply?

To start your application, please submit your resume, and we will be in touch as soon as we can. Please include the word "moonshot" at the top of your message to the Hiring Manager so that we know you took the time to read our job ad.

Before you apply

To be considered for employment, you must be legally authorized to work in the United States. This applies to remote roles too, as we can only employ people who reside within the US. Xplor does not sponsor visas, either at the time of hire or at any later time. We're also not able to offer contractor arrangements or Employer of Record engagements for this position at this stage.

Please apply through our careers portal or external job boards only. We're unable to upload emailed applications, as our process requires you to answer screening questions directly.

We also invite you to check out our Candidate FAQs for more information about our recruitment process xplor.com/recruitment-faqs/.

Interview Recording and Background Checks

As part of our hiring process, successful candidates will be asked to complete background and identity verification checks. Many of our roles are remote, and to protect both candidates and our business from recruitment fraud, we may record video interviews during the process. We keep any recordings and related data only for as long as the hiring process is active and do not retain them afterwards.

EEO and Artificial Intelligence

We believe in transparent hiring. We use an applicant tracking system with artificial intelligence-enabled features to support our recruitment process, but our recruitment team makes all hiring decisions after human review. We do not rely on artificial intelligence to make final hiring decisions. Find our Candidate AI Usage guidelines here.

Xplor is proud to be an Equal Employment Opportunity employer. We're dedicated to attracting, retaining and developing our people regardless of gender identity, ethnicity, sexual orientation, disability, veteran status and age. We encourage applications from all sectors of the community. All Information will be kept confidential according to EEO guidelines.

Xplor is committed to fully including all qualified individuals. In keeping with our commitment, Xplor will take steps to ensure people with disabilities receive reasonable accommodations. Accordingly, if reasonable accommodation is required to fully participate in the job application or interview process, to perform the essential functions of the position, and/or to receive all other benefits and privileges of employment, please contact us via talent@xplortechnologies.com.

We make it a priority to respond to every applicant.

🎯 Who is this job for?

This Middle-level Full Stack Software Engineer role suits someone with 4+ years of professional experience who can independently deliver production features across Node.js backends, React frontends, RESTful APIs, PostgreSQL, AWS, CI/CD, and automated testing.

The candidate should be skilled in Git, agile development, microservices, cloud-native systems, observability, secure software practices, and AI-assisted development, with payments, event-driven architecture, Terraform, and PCI compliance experience considered advantageous.

They should be familiar with owning the full software development lifecycle, designing APIs and data models, building user interfaces, integrating payment services, writing documentation and tests, supporting deployments and on-call operations, and responding to production incidents.

💬 Potential Interview Questions

How would you design a Node.js REST API for payment authorization, capture, refund, and transaction status operations?

I would define clear resource-oriented endpoints, validate requests at the boundary, separate controllers from domain services and persistence, and use consistent error responses. I would also document the API contract, implement idempotency, and add authentication, authorization, logging, and automated tests.

How would you make a payment API operation idempotent?

The client would provide an idempotency key, which the service would store with the request parameters and final result in PostgreSQL. Repeated requests with the same key would return the original result, while conflicting payloads would be rejected.

How would you integrate Stripe or Worldpay while isolating provider-specific behavior?

I would define an internal payment-provider interface for operations such as authorize, capture, refund, and tokenize. Separate adapters would implement that interface for each provider, allowing orchestration, error mapping, retries, and business rules to remain provider-neutral.

How would you design an event-driven payment workflow using SQS and EventBridge?

The API would persist the transaction state before publishing an event, using an outbox or equivalent reliability pattern. SQS would provide durable asynchronous processing, while EventBridge could distribute domain events to other services; consumers would be idempotent and support retries and dead-letter queues.

What PostgreSQL considerations are important for a high-volume payments platform?

I would use appropriate indexes, carefully designed transaction boundaries, and constraints for data integrity, while monitoring query plans and connection usage. I would also consider partitioning or archival strategies for large transaction tables and use Aurora scaling features where appropriate.

How would you build a React interface that safely handles asynchronous payment states?

I would model explicit states such as idle, processing, succeeded, failed, and requires-action rather than relying only on loading flags. The UI would prevent duplicate submissions, display actionable errors, poll or subscribe for pending results when necessary, and use reusable components tested with Jest, Storybook, and Playwright.

How would you secure payment data and support PCI compliance?

I would avoid handling raw card data whenever possible by using provider-hosted fields, tokenization, and Apple Pay or Google Pay tokens. Sensitive data would be excluded from logs, encrypted in transit and at rest, access-controlled through Cognito and service authorization, and covered by audits and documented operational controls.

How would you deploy a Node.js service on AWS using Terraform and CI/CD?

Terraform would define infrastructure such as ECS services, networking, RDS, queues, IAM roles, and monitoring resources. The pipeline would run linting, unit and integration tests, security checks, build an immutable container, deploy through controlled environments, and include approval or rollback guardrails.

How would you investigate a production payment incident?

I would first assess impact using dashboards, logs, traces, transaction metrics, and provider health information, then stabilize the system through rollback, traffic control, or feature flags. After recovery, I would reconcile affected transactions, communicate clearly, document the timeline, and implement preventive actions from the post-incident review.

How would you use AI-assisted development tools without compromising software quality?

I would use them for scaffolding, test generation, refactoring suggestions, documentation, and exploring unfamiliar APIs, but I would not treat generated code as trusted. Every change would be reviewed for correctness, security, PCI implications, performance, licensing, and consistency with the architecture, then validated by automated tests and appropriate human review.

📋 Job Summary

Xplor Technologies powers everyday business experiences through vertical software, embedded payments, and AI-driven solutions. As a Fullstack Software Engineer, you’ll build and scale cloud-native payment orchestration features across APIs, databases, and user interfaces while contributing to testing, observability, deployments, and incident response. The stack includes React, JavaScript, Node.js, PostgreSQL, AWS, Terraform, Bitbucket Pipelines, Jest, Playwright, Stripe, and Worldpay. This is a fully remote, U.S.-based role with a preference for Kansas City candidates, offering $95,000–$105,000 annually—an excellent opportunity to shape high-volume payments technology, work across the full stack, and grow with a values-driven global team.