Product Manager, Payments - SpotOn
Overview
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.
What You'll Do10
- 1Own the payments roadmap for card-present and card-not-present scenarios, covering table service, counter service, and multi-location groups.
- 2Define how each payment media type is presented and accepted, including chip, contactless, digital wallets, and ecommerce tokens.
- 3Translate complex payment flows into simple merchant experiences for refunds, tips, adjustments, and offline authorization.
- 4Monitor and improve payment performance metrics like authorization rates, chargebacks, and latency using data-driven experimentation.
- 5Partner with risk and compliance teams to ensure network rule and PCI DSS adherence.
- 6Lead discovery with external processors, acquirers, and gateways to evaluate new capabilities and routing options.
- 7Collaborate with money movement teams to ensure accurate and predictable merchant funding.
- 8Act as the primary product contact for payments, aligning stakeholders on vision and roadmap.
- 9Facilitate cross-functional decisions balancing technical constraints, regulatory needs, and merchant requirements.
- 10Mentor peers on payment best practices and platform standards to avoid fragmented solutions.
Requirements9
- 15+ years of product management experience, with 3+ years in payments or fintech.
- 2Deep understanding of card-present and card-not-present flows, including authorization, clearing, settlement, and tokenization.
- 3Working knowledge of merchant processing economics, interchange, and scheme fees.
- 4Experience with payment processors, acquirers, gateways, or card networks in a multi-tenant environment.
- 5Strong analytical skills with comfort using payment datasets, dashboards, and KPIs for prioritization.
- 6Proven success shipping complex technical products with engineering and operations teams.
- 7Excellent communication skills to explain complex payment concepts to diverse audiences.
- 8Customer-centric mindset with experience in merchant discovery and user interviews.
- 9High ownership and ability to manage multiple initiatives in a fast-paced environment.
Salary Insight
$180 - $225k per year
Location
Required Skills
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