Staff Software Engineer- FinTech

Toast creates technology to help restaurants and local businesses succeed in a digital world, helping business owners operate, increase sales, engage customers, and keep employees happy. We’re not your traditional tech company and we don’t aim to be. Going against the grain is in our DNA. Building a revolutionary product begins with revolutionary thinking. That’s why we value diversity of background and lived experience. Together, we empower restaurants of all sizes to build great teams, increase revenue, improve operations, and delight their guests. We pair our deep understanding of the restaurant industry with powerful cloud based software and restaurant-grade hardware to deliver an intuitive all-in-one platform. Join us on our mission to empower the restaurant community to delight guests, do what they love, and thrive. Fintech at Toast operates one of the most critical portions of the Toast infrastructure: processing payments on behalf of our restaurants and ensuring that restaurants are paid in a timely manner. Payment processing is a key source of Toast’s revenue and also the lifeblood of our customers; we process millions of dollars in transactions per day. We are seeking a Staff Software Engineer to join our Payments team to build out our unified payment processing solution. This platform offers a single, integrated service for payment acceptance across various channels and supports a configurable enterprise approach. It is designed to allow a build-once, available-to-all strategy for both existing and emerging payment methods. The successful candidate will guide and contribute to the development of services providing supporting and core functionality within and around this payment processing solution. A day in the life (Responsibilities) Plan, design, build, and deliver features for Toast’s payments products Plan, develop, and implement best practices such as automated test suites to ensure the code shipped to our customers meets the highest quality standards Roll - pun intended! - features out to customers, including monitoring for success Collaborate with our PM (and UX) on the definition and design of features Collaborate and partner with a wide array of teams across Toast in order to spread knowledge inter- and intra-team Lead and work with experienced engineers to deliver design and code review What you'll need to thrive (Requirements) 8+ years of experience in designing and implementing robust backend services Ability to step into a technical leadership role on the team, guiding/coaching/mentor more junior engineers on best practices in architecture, design, coding, testing, deployment, etc. Proven ability to design and develop scalable and secure APIs that integrate with various internal/external systems Applied knowledge of best practices in API lifecycle management, including versioning, documentation, and deprecation strategies, with the ability to share this amongst the team and peers Demonstrated experience with microservices architecture and containerization technologies for enhanced scalability and maintainability Special Sauce (*Nice to Haves) Demonstrated proficiency with DynamoDB or PostgreSQL Proficiency in Kotlin (or Java and willing to learn Kotlin) and Kotlin-specific frameworks and libraries for building efficient backend solutions Experience with modern data architectures (event sourcing, OLAP, ETL/ELT, streaming data) Experience designing payments APIs Familiarity with PCI-DSS Familiarity with AI-augmented development workflows and tools (e.g., Claude Code, GitHub Copilot, Codex, or similar) #LI-HYBRID #BI-Hybrid AI at Toast At Toast, one of our company values is that we're hungry to build and learn. We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across all disciplines, from Engineering and Product to Sales and Support, and are inspired by how our Toasters are already driving real value with them