Product Manager (Payments)

PayJunction • Santa Barbara, CA

1d • Hybrid

About The Position

PayJunction is seeking a Product Manager to own our Payment Experience domain. This role is responsible for the merchant-facing acceptance surface that generates processing revenue and enables merchant retention. The Product Manager will own products and services merchants interact with to take payments, including the Virtual Terminal, surcharging, tender types (card, ACH, BNPL via Sunbit, Apple Pay), and the login and security layer. This role operates as the CEO of the Payment Experience domain, accountable for business outcomes such as processing revenue, merchant adoption, and deal-enablement. The ideal candidate will have payments fluency to optimize existing payment experiences, create new ones, and improve the merchant’s daily payment workflow. PayJunction is a company that emphasizes helping others succeed, celebrating the perfection of craft, and partnering with others to achieve their dreams.

Requirements

• 7+ years of experience as a Product Manager or in a similar product leadership role
• 3+ years working with Agile/Scrum teams, driving sprint planning, refinement, and backlog health
• Direct experience in payments, acceptance, or processing (gateway, acquirer, processor, or merchant-facing payment product) - must understand authorization, capture, settlement, interchange, and funding at a product-decision level
• Proven track record of navigating regulated payments constraints (surcharge legality, card-brand rules, PCI, Nacha/ACH, state regulations) as product design inputs
• Proven track record of outcome-focused delivery with measurable business impact — revenue lift, adoption rate improvement, retention contribution, or deal-enablement tied to products owned
• Experience owning merchant-facing or SMB-facing product experiences where the end user is a business operator managing daily payment workflows
• Experience with B2B SaaS product management - understands SaaS delivery, multi-tenant considerations, and merchant lifecycle
• Must reside in one of the following states: CA, IL, TX, MN, CO, GA, CT, NY or MA.

Nice To Haves

• Experience with BNPL, alternative tender types, or payment method expansion preferred
• Familiarity with Jira, Confluence, and product intake/discovery tools preferred
• Product management certifications (CSPO, PSPO, or equivalent) preferred
• Bachelor’s degree in Business, Computer Science, or a related field preferred

Responsibilities

• Own the product vision, strategy, and quarterly roadmap for the Payment Experience domain.
• Articulate where we are going, why, in what order, and what we are choosing not to do.
• Own the full payment experience lifecycle across the domain — VT, surcharging, tender types, and login/security.
• Drive surcharge enrollment growth as the domain’s clearest revenue lever, navigating state legality, card-brand rules, and merchant-facing constraints.
• Manage tender-type adoption and expansion, including owning the BNPL (Sunbit) partnership, ACH, Apple Pay, and future payment methods.
• Drive merchant-facing education and activation to increase adoption rates.
• Build and maintain the product backlog with strategic intent, prioritizing based on business value, cost of delay, and merchant impact.
• Maintain 2–4 sprints of ready work at all times.
• Conduct product discovery before committing major work by talking to merchants, listening to support calls, analyzing usage patterns, and reviewing competitive payment experiences.
• Navigate regulated payments constraints as first-class design inputs, treating card-brand rules, PCI scope, state surcharge regulations, and Nacha/ACH rules as product problems to solve.
• Write benefit hypotheses for major initiatives and validate outcomes post-ship.
• Own the full cycle: discover, plan, build, ship, measure, learn.
• Collaborate with engineering during sprint planning, refinement, and execution, being available and clear, and treating developers as partners.
• Communicate proactively with stakeholders, sending monthly domain updates and surfacing trade-offs and sequencing changes.
• Triage all incoming requests in the domain, accepting, deferring, declining, or routing them, with a visible disposition within 10 business days.

Benefits

• Health, dental, and vision paid 100% by company for you and your dependents
• 401k with 6% match
• FSA and Dependent Care FSA
• Long-term & short-term disability coverage for you paid 100% by company
• 8 paid company holidays per year
• 2 paid floating holidays per year
• 1 paid volunteer day per year
• Paid Time Off
• Annual learning stipend
• Home office equipment stipend
• Quarterly “fun budgets” for team bonding events
• Opportunity to be part of a company that is changing a whole industry
• Opportunity for growth within the company
• Opportunity for remote, in-office, or hybrid work

What This Job Offers

• Job Type: Full-time
• Career Level: Senior