Senior Payments Engineer
Likely
Sponsorship likelihood
This employer has issued visas recently
Not disclosed
Salary
Not disclosed by employer
£54,700
Going rate
Skilled Worker going rate
This role likely qualifies for a Skilled Worker visa
SOC 2134 (92% match) is an eligible occupation, with a going rate of £54,700, and Incard ltd is a licensed sponsor. That is our reading of the rules. Whether they issue a Certificate of Sponsorship is still their call.
New graduate or PhD holder? Pick one of the lower rates.
What each route needs for this job
| Occupation code | New entrant 70% of going rate | STEM PhD 80% of going rate | Relevant PhD 90% of going rate | Standard rate 100% of going rate |
|---|---|---|---|---|
2134 Programmers and software development professionals Most likely code | £38,300 | £43,700 | £49,200 | £54,700 |
2133 IT business analysts, architects and systems designers Also possible | £38,400 | £43,900 | £49,400 | £54,900 |
We use the lowest threshold across the plausible codes. Likelihood is Possible at most when the pay clears only a lower rate, or only under a less likely code. How the Home Office picks the code
About the role
About Incard
Incard’s mission is to build the financial operating system for entrepreneurs.
We are focused on creating a system where business banking, financial tools, and application logic are coordinated into a single control layer.
Through the app store, entrepreneurs and developers can build industry-specific functionality as their business evolves.
We are a lean, highly motivated team committed to engineering excellence. We operate within a flat organizational structure. All employees are expected to take a hands-on approach and contribute directly to the company's mission. Leadership is given to those who show initiative and consistently deliver excellence. All engineers are expected to have strong communication skills and should be able to share knowledge with their teammates clearly and concisely.
About the role
We are looking for an exceptional Lead Engineer to lead the major re-architecture of our payments service, which will process billions of dollars each month.
As the technical leader, you’ll be instrumental in shaping the architecture and execution of the next generation of our payments service. Your expertise in distributed systems, secure transactions, and high-availability architectures will be essential in building a robust, scalable payments infrastructure.
What you'll do
Design and implement core components for a high-scale, low-latency payments platform.
Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
Lead technical decisions related to architecture, scalability, security, and reliability.
Collaborate with engineering, product, compliance, and infrastructure teams to deliver end-to-end solutions.
Define and maintain high engineering standards, including best practices for testing, monitoring, and continuous deployment.
Proactively identify and address technical risks in a complex, regulated environment.
Develop comprehensive fraud protection mechanisms that provide robust controls for prevention, detection, and mitigation of financial fraud.
Who you are
esign and implement core components for a high-scale, low-latency payments platform.
Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
Lead technical decisions related to architecture, scalability, security, and reliability.
Collaborate with engineering, product, compliance, and infrastructure teams to deliver end-to-end solutions.
Define and maintain high engineering standards, including best practices for testing, monitoring, and continuous deployment.
Proactively identify and address technical risks in a complex, regulated environment.
Develop comprehensive fraud protection mechanisms that provide robust controls for prevention, detection, and mitigation of financial fraud.
Bonus
Experience working with leading fintech bank integrations (e.g., Banking-as-a-Service providers, core banking platforms).
Experience working on digital wallets, identity, or fraud detection systems.
Familiarity with regulatory or compliance frameworks (e.g., PCI-DSS, AML/KYC).
Experience using Temporal or similar workflow orchestration frameworks.
Tech Stack
Golang
Typescript
Postgres
Kafka
Redis
Kubernetes
Benefits:
Competitive cash-based compensation
Incard stock options
25 days of paid time off per year, plus bank holidays and your birthday off
Global health insurance and unlimited paid sick leave
This description is the source posting as it read when we added it. We are not affiliated with Incard ltd, so check their own site for the current details.
Where this offer sits in the market
Programmers and software development professionals (SOC 2134) · UK · ONS ASHE 2025 · basic pay · ~399k in sample- Middle half £42,536–76,752
- Median £56,784
- Going rate £54,700
- Threshold £41,700
- New entrant £38,300–49,200
Similar sponsored roles
See all UK visa jobsNo close matches live right now.
Browse more sponsored jobs at Incard ltdAbout sponsorship for this role
Does this job guarantee visa sponsorship?
Not necessarily. Incard ltd holds a sponsor licence, but sponsorship for a specific hire is always the employer's decision. Be upfront in your application that you'll require it.
What salary is needed for this role to be eligible?
The offer must clear both the general threshold and the SOC 2134 going rate of £54,700. New-entrant and shortage discounts can lower it.