Senior Manual QA Engineer (Remote)

OutsideHire

22h • Remote

About The Position

The Senior Manual QA Engineer serves as the hands-on quality gatekeeper responsible for comprehensive manual testing of the payment processing platform. This role focuses on end-to-end validation of payment flows, compliance verification, exploratory testing, and ensuring that all features meet acceptance criteria before production release. Working alongside the Senior Automation QA Engineer, this role owns the manual testing strategy for complex payment scenarios that require human judgment, edge case exploration, and real-world user experience validation. The Senior Manual QA Engineer is critical to ensuring the platform delivers a compliant, reliable, and user-friendly payment experience for partners and their customers.

Requirements

• 5+ years of manual software testing experience, with at least 2 years in payment processing, fintech, or financial services
• Proven track record of testing complex, multi-system integrations
• Experience with agile development methodologies and sprint-based delivery
• History of working in regulated environments requiring compliance validation
• Strong understanding of REST APIs and ability to test using tools like Postman or Insomnia
• Proficiency in SQL for database validation and test data management
• Experience testing webhook integrations and asynchronous event flows
• Familiarity with .NET or Java applications and AWS / Azure cloud services
• Understanding of payment card data flows (PAN, tokenization, BIN lookup)
• Experience with test management tools (Jira, TestRail, or similar)
• Expertise in test case design using techniques like equivalence partitioning, boundary value analysis, and decision tables
• Strong exploratory testing skills with session-based test management experience
• Ability to perform risk-based testing and prioritize based on business impact
• Experience with regression testing strategies for high-velocity release cycles
• Knowledge of UAT facilitation and stakeholder coordination
• Excellent written communication for test documentation and bug reports
• Strong attention to detail and analytical thinking
• Ability to work collaboratively with developers, product owners, and external stakeholders
• Proactive communication of risks and blockers
• Comfortable challenging assumptions and advocating for quality

Nice To Haves

• Experience testing payment gateway integrations (Stripe, PayPal, Square, ProPay, or similar)
• Knowledge of PCI-DSS compliance requirements and security testing
• Familiarity with surcharge regulations (Durbin Amendment, state-specific caps, card network rules)
• Experience with ticketing platforms or event management systems
• Understanding of split payment/settlement systems and multi-party fund distribution
• Experience testing mobile wallet integrations (Apple Pay, Google Pay)
• Background in testing reconciliation and financial reporting systems
• Knowledge of interchange fee structures and card network economics
• Experience with chargeback and dispute management workflows
• ISTQB or similar QA certification

Responsibilities

• Execute comprehensive manual testing of complete payment flows from checkout initiation through settlement confirmation
• Validate dynamic surcharge calculations across different card types (Visa, Mastercard, Amex, Discover), BIN ranges, and jurisdictions
• Test split settlement scenarios ensuring accurate distribution to Partners, Merchants, Promoters, and the Platform
• Verify cost calculation engine including interchange fees, acquirer fees, and platform fees
• Test Apple Pay and Google Pay wallet integrations including DPAN handling and tokenization
• Validate refund and chargeback workflows including proportional surcharge reversals
• Validate Durbin Amendment compliance ensuring regulated debit cards are blocked from surcharges
• Test state-specific surcharge cap enforcement (e.g., 3% Nevada cap, California, Texas Ticketing Act rules)
• Verify card network surcharge rules (Visa, Mastercard maximum caps) are correctly applied
• Test PCI-DSS compliance requirements including secure card data handling in hosted payment fields
• Validate fee transparency requirements ensuring buyers see accurate line-item breakdowns
• Test Partner HPP (Hosted Payment Page) integration including API responses, field rendering, and error handling
• Validate webhook notifications (Transaction Authorized, Declined, Split Completed, Refund Initiated, Payout Settled)
• Test payment processor integration including authorization, capture, and settlement flows
• Verify BIN lookup service integration accuracy and fallback handling
• Test tokenization service integration for payment method tokens
• Conduct exploratory testing sessions to discover edge cases and unexpected system behaviors
• Test boundary conditions for surcharge calculations, transaction amounts, and split percentages
• Validate error handling and graceful degradation when external services fail (BIN lookup, processor timeouts)
• Test concurrent transaction scenarios and race conditions in split settlement
• Perform negative testing including invalid card data, expired tokens, and malformed requests
• Create and maintain comprehensive test cases for all payment scenarios
• Document test execution results with clear pass/fail criteria and evidence
• Write detailed bug reports with reproduction steps, expected vs. actual results, and severity classification
• Maintain test data sets for different card types, jurisdictions, and merchant configurations
• Collaborate with Automation QA to identify test cases suitable for automation vs. manual execution
• Support User Acceptance Testing (UAT) with Partner engineering teams
• Coordinate testing activities with engineering team during sprint cycles
• Participate in sprint planning to estimate testing effort and identify risks
• Communicate test status, blockers, and quality metrics to stakeholders
• Validate production readiness criteria before pilot launches

Benefits

• Inclusive Environment: Dynamic work environment that values creativity and collaboration
• Cutting-Edge Projects: Modern, well-architected platform with best-in-class tools
• Impact: Build systems that process real financial transactions
• Modern Stack: Quarkus, Kotlin, AWS, and AI coding assistants
• Competitive Benefits: Competitive salary, remote work, professional development
• Growth Culture: Continuous learning, innovation, and recognition
• Work-Life Balance: Flexible hours, remote-first, sustainable pace

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed