Financial Services Technology
Payments Engineer Jobs & Careers
Looking for your next Payments Engineer opportunity?
HOK Consulting connects Payments Engineers with banks, FinTech businesses, payment providers and financial institutions building secure, resilient and high-performance payment platforms across permanent, contract and interim opportunities.
Whether your experience covers Java, APIs, microservices, ISO 20022, ISO 8583, SWIFT, Open Banking or card payment platforms, explore current opportunities or upload your CV to join HOK’s technology talent network.
Current Payments Engineer Jobs
Explore current Payments Engineer opportunities available through HOK Consulting.
Can’t see the right Payments Engineer role?
If there are currently no suitable Payments Engineer vacancies listed, upload your CV and tell us what you’re looking for. Our team can contact you when a relevant permanent, contract or interim opportunity becomes available.
What Does a Payments Engineer Do?
Payments Engineers design, build, integrate and support the technology used to process financial transactions across banking, FinTech and payment environments.
The role can involve real-time payment processing, card platforms, payment APIs, transaction switching and financial messaging, with a strong focus on reliability, security, performance and regulatory compliance.
Payments Engineers often work alongside Software Engineers, Payments Technology Specialists, architects, product teams and financial services stakeholders to deliver new payment capabilities, modernise existing platforms and resolve complex transaction processing issues.
Payments Engineer Skills & Experience
The exact technical requirements vary between organisations and payment platforms, but Payments Engineer roles commonly involve experience across areas such as:
- Payments Technology
- Payment Processing
- Banking Technology
- Java
- Spring Boot
- APIs and REST Services
- Microservices
- Event-Driven Architecture
- Apache Kafka
- SQL
- ISO 20022
- ISO 8583
- SWIFT
- Faster Payments
- CHAPS
- BACS
- SEPA
- Open Banking
- Cards & Payment Platforms
- PCI DSS
- CI/CD
- Cloud Platforms
Payments Engineers may specialise in card acquiring, issuing, real-time payments, transaction switching, payment gateways or banking payment schemes depending on the organisation and platform.
Strong software engineering and troubleshooting skills are particularly important alongside an understanding of transaction flows, payment messaging, resilience, security and the operational requirements of business-critical financial systems.
Typical Payments Engineer Responsibilities
- Designing and developing payment processing applications and services
- Building scalable APIs, microservices and transaction processing components
- Supporting real-time and high-volume payment platforms
- Integrating with payment schemes, gateways and banking systems
- Working with ISO 20022, ISO 8583 and other financial messaging standards
- Supporting card acquiring, issuing and transaction switching environments
- Developing secure and resilient payment processing solutions
- Investigating payment failures, performance issues and production incidents
- Supporting testing, implementation and production releases
- Maintaining technical documentation and implementation guidance
- Working with architecture, product, operations and external payment partners
- Supporting payment platform modernisation and regulatory change
Responsibilities vary depending on the organisation and whether the role focuses on real-time payments, cards, payment gateways, digital banking, transaction processing or wider payments transformation.
Payments Engineer Salary Expectations
Payments Engineer salaries vary according to experience, location, engineering expertise, payments domain and the complexity of the platforms being developed and supported.
Permanent Payments Engineer
Around £70,000 per year
Current UK advertised payments engineering benchmark
Contract Payments Engineer
Around £500 per day
Current UK payments engineering contract benchmark
Senior and Principal Payments Engineers with specialist real-time payments, Java, payment architecture, card processing or high-volume financial platform experience may command substantially higher salaries or contract rates.
Salary information is provided as a general UK market guide. Exact-title national salary samples are limited and rates vary considerably according to seniority, technical stack and payments specialism.
Payments Engineer Career Progression
Payments Engineering can lead into senior engineering, architecture and wider financial services technology leadership positions.
Typical Payments Engineer Career Path
Alternative Career Paths
Payments Engineers may also progress into roles such as:
- Payments Technology Specialist
- FinTech Engineer
- Software Architect
- Payments Architect
- Engineering Manager
- Head of Payments Technology
The right progression depends on whether you want to deepen your engineering expertise, specialise in payment architecture and platforms or take responsibility for wider financial technology teams and strategy.
Your Next Move
Looking for Your Next Payments Engineer Opportunity?
If you’re considering your next permanent position, contract assignment or interim opportunity, send HOK Consulting your CV.
Tell us about the payment platforms you’ve built or supported, the technologies and payment schemes you specialise in and the type of opportunity you’re looking for.
Specialist Recruitment
Financial Services Technology Recruitment
Payments Engineering forms part of HOK Consulting’s wider Financial Services Technology recruitment expertise, connecting organisations with technology professionals across banking, payments, FinTech, RegTech, trading technology and digital transformation.
Hiring?
Recruiting Payments Engineers?
HOK Consulting supports banks, FinTech businesses, payment providers and financial institutions looking for experienced Payments Engineers across permanent, contract and interim requirements.
Whether you’re building real-time payment services, modernising card infrastructure, implementing new payment schemes or scaling a specialist payments engineering function, speak to HOK about your requirements.