Backend Engineer – Payments & UPI

Paytm processes hundreds of millions of digital payment transactions every month across UPI, wallets, credit, and merchant payment solutions. As a Backend Engineer in the Payments team, you will build and scale the core payment processing infrastructure that millions of Indians rely on daily. Your responsibilities include designing highly available Java-based microservices using Spring Boot, building Kafka-driven event streaming pipelines for real-time transaction processing, implementing idempotent payment APIs that meet NPCI compliance standards, and optimising MySQL and Redis data stores for sub-50ms latency at scale. You will work with senior architects to define system design patterns, participate in 24x7 on-call rotations, and contribute to Paytm's internal engineering blog and technical documentation. The role comes with ESOPs, quarterly performance incentives, and an opportunity to build financial infrastructure that genuinely transforms how India transacts.