Senior Software Engineer, Mobile

Payabli•Miami, FL

About The Position

Payabli is a next-generation Payments Infrastructure and Monetization Platform purpose-built for vertical software companies. Through a single, developer-friendly API with low-code embedded payment components, Payabli enables platforms to seamlessly embed, monetize, and operationalize payments—making payments a core part of their platform and business model. By unifying payment acceptance, payment issuance, and advanced payment operations tooling, Payabli empowers software companies to manage and move money through a single infrastructure stack that delivers total control over the payments experience. Built to scale with PCI DSS 4.0 and SOC 2-compliant security, Payabli’s infrastructure delivers enterprise-grade reliability and trust while leveraging AI-driven intelligence to enhance visibility, streamline operations, and drive revenue growth. Backed by leading fintech investors including QED Investors, Fika Ventures, TTV Capital, and Bling Capital, Payabli is setting the standard for embedded payments infrastructure powering the next generation of vertical SaaS. This is a founding mobile engineering role. You'll be the first dedicated native mobile engineer at Payabli, which means you won't just write code; you'll define the mobile SDK architecture, set the engineering standards, and shape the technical direction from scratch. Payabli's mobile SDKs are embedded directly into our partners' iOS and Android applications. Your code won't live in an app you control; it will run inside hundreds of other people's apps, which means every decision around API design, binary size, backwards compatibility, and integration ergonomics carries real weight. You'll build the native SDKs that enable robust, predictable, and logically consistent in-app payment flows for platforms and merchants, while ensuring the most reliable and resilient operations across Payabli's and partners’ networks. Longer term, you'll help shape Payabli's roadmap into native mobile applications as the platform evolves.

Requirements

5+ years of professional native mobile development experience. You've shipped production code that other developers or end users depend on.
Strong proficiency in Swift (iOS) and/or Kotlin (Android). Deep, not surface-level. You understand the platform's lifecycle, threading model, and performance characteristics.
Experience building SDKs, libraries, or frameworks consumed by other developers. You understand the difference between building for end users and building for engineers: versioning, backwards compatibility, minimal footprint, clear API contracts.
Solid grasp of mobile architecture patterns such as MVVM or Clean Architecture. You can make principled decisions about how to structure a codebase that others will integrate against.
API integration and reliability experience. You know how to manage async operations, caching, retry logic, and offline scenarios on mobile.
Security-minded by default. You understand mobile security principles and secure data storage, especially when handling payment data on-device.
Strong communicator. You can write clear documentation, define integration guides, and articulate technical trade-offs to product managers, partner engineers, and your own team.

Nice To Haves

A degree in Computer Science, or related field (or equivalent experience – we care more about how you operate and what you can build).
Experience with mobile payments SDKs (Stripe, Square, Adyen, or similar) or building payment acceptance flows on mobile.
Familiarity with NFC, Bluetooth, or hardware peripheral integrations for card readers or point-of-sale devices.
Experience in fintech or payments technology .
Experience with SDK distribution (CocoaPods, Swift Package Manager, Maven, Gradle) and managing public releases.
Hands-on experience with mobile testing frameworks and automated testing strategies.

Responsibilities

Build the mobile SDK from the ground up.
Design, develop, and maintain native iOS (Swift) and/or Android (Kotlin) SDKs that platform partners embed directly into their applications.
Obsess over the developer experience. Your primary users are other engineers. The SDK's API surface, documentation, error messages, and integration patterns need to be clear, predictable, and hard to misuse.
Connect software to hardware. Build in-app payment flows where NFC radios, Bluetooth peripherals, and backend APIs converge into a seamless experience for the end merchant.
Ship code that runs everywhere. Your SDK will operate across a wide range of devices, OS versions, and host app architectures. You'll think constantly about compatibility, binary size, dependency management, and graceful degradation.
Harden what we ship. Mobile payments surface unique challenges around secure data storage, network resilience, certificate pinning, and offline capability. Security and compliance aren't afterthoughts; they're core to the SDK's value proposition.
Own the full lifecycle. From architecture and implementation through testing, packaging, versioning, and distribution. You'll define how the SDK is released, documented, and supported.
Ensure unquestionable reliability and resilience. Work with Payabli architects, SREs, and other engineers to integrate your SDK with Payabli's APIs, while handling real-time data, async operations, error states, and edge cases gracefully. You understand that observability is part of reliability.
Set the standard. As the founding mobile engineer, you'll establish code review practices, testing strategies, CI/CD pipelines, and architectural patterns that the team will build on as it grows.