Product Manager, Payments & Fintech
Overview
You will own the payments product strategy for SpotOn's hospitality platform, covering card-present and card-not-present acceptance, transaction processing, and settlement flows. You will set the vision for payment reliability, security, and compliance across a multi-tenant merchant ecosystem. Partner with engineering, design, and GTM teams to ship features that improve authorization rates and reduce friction. Your work will directly affect merchant satisfaction and funding accuracy for thousands of restaurants. This role offers the chance to shape a critical revenue stream in a high-growth fintech environment.
What You'll Do8
- 1Define the product roadmap for payments across card-present and card-not-present channels, prioritizing features for table service, quick-service, and multi-location groups.
- 2Design acceptance flows for chip, contactless, digital wallets, and ecommerce tokens, setting key metrics for authorization health and decline reduction.
- 3Drive improvements in authorization rates, latency, and chargeback handling using data from payment processors and internal dashboards.
- 4Collaborate with risk and compliance teams to maintain PCI DSS adherence and network rules, integrating requirements into product decisions.
- 5Evaluate new routing options and cost-optimization opportunities with external gateways and acquirers to reduce interchange fees.
- 6Partner with money movement teams to align settlement timing and fee accuracy with merchant-facing reporting.
- 7Act as the primary payments contact for cross-functional stakeholders, aligning them on vision and trade-offs.
- 8Mentor product peers on payment best practices and platform standards to avoid fragmented solutions.
Requirements8
- 15+ years in product management, with 3+ years in payments, fintech, or financial services.
- 2Deep understanding of card-present and card-not-present flows, including authorization, settlement, and tokenization.
- 3Familiarity with interchange economics and how they impact merchant settlement and remittance.
- 4Experience with payment processors, acquirers, or card networks in a multi-tenant platform context.
- 5Strong analytical skills with large datasets, KPIs, and data-driven prioritization.
- 6Track record of shipping complex technical products with engineering and operations collaboration.
- 7Excellent communication to convey payment concepts to technical and non-technical audiences.
- 8Customer-centric approach with experience in merchant discovery and user interviews.
Salary Insight
$180 - $225k per year
Location
Required Skills
Similar open positions
Explore active roles that match your skills and interests.
SpotOn
VerifiedProduct Manager, Payments - SpotOn
Own the end-to-end payments product at SpotOn, a restaurant tech leader serving independent operators. You will define strategy and execution for card-present and card-not-present acceptance, transaction processing, routing, and merchant settlement. Partner with engineering, design, and GTM to build reliable, secure, and compliant payment flows. This role shapes the financial backbone for thousands of restaurants, with direct impact on merchant revenue and trust.
Spoton
VerifiedProduct Manager Payments SpotOn
Lead the strategy and execution for SpotOn’s end-to-end payments experience spanning card-present and card-not-present environments. Define how payments are presented authorized captured settled and funded across the hospitality ecosystem while partnering with money movement and remittance teams to ensure accurate merchant funding. Drive measurable improvements in authorization rates latency and merchant satisfaction.
SpotOn
VerifiedPayments Product Manager SpotOn
Product Manager leading payments strategy at SpotOn. Own end-to-end payments experience spanning card-present and card-not-present environments. Drive merchant satisfaction and funding accuracy through data-driven decisions.
SpotOn
VerifiedProduct Delivery Manager, Payments & Fintech
SpotOn, a leading restaurant technology company, seeks a Product Delivery Manager to own end-to-end delivery of new payment products. You'll bridge Product and Operations, ensuring seamless launches and operational readiness. Work with Payments, Card Networks, and internal stakeholders to scale solutions. This role drives market readiness and adoption for our top-rated POS.
Spoton
VerifiedProduct Delivery Manager, Payments & Fintech
SpotOn, a top-rated restaurant tech company, seeks a Product Delivery Manager to own end-to-end delivery of new payment products. You will bridge Product and Operations, ensuring smooth launches and post-launch support for independent restaurants. You will manage dependencies, timelines, and cross-functional teams from intake to general availability. This role shapes market readiness and adoption, backed by a company that values heart and hustle.
SpotOn
VerifiedProduct Delivery Manager, Payments & Fintech
You will own end-to-end delivery of Payments products from intake to launch, coordinating with Product and Operations to ensure market readiness. You'll manage dependencies, releases, and performance reporting across a fast-moving fintech team. You'll bridge technical and non-technical stakeholders, defining success metrics and driving adoption from pilot to general availability. This role stands out with direct impact on independent restaurants' profitability and a collaborative culture.