Remote Payments Infrastructure Architect – Next-Gen Payment Rails & Merchant Acquiring

Job Overview

Remote Payments Infrastructure Architect – Next-Gen Payment Rails & Merchant Acquiring (Bahrain Market)

Location: Remote – with strong preference for professionals familiar with Bahrain’s digital payment sector and Central Bank of Bahrain (CBB) regulatory environment

Sector: Fintech – Payments Infrastructure, Merchant Acquiring, Card Schemes, Instant Payments

Job Type: Full-Time, Remote

Language: English (Arabic proficiency an asset)

Overview:

We are seeking a Payments Infrastructure Architect with deep technical and commercial experience in the design, deployment, and optimization of merchant acquiring systems, real-time payments, and card network orchestration, ideally within the context of Bahrain’s advanced digital finance ecosystem.

This position sits at the core of modern payment transformation initiatives in the GCC region. The successful candidate will lead the architectural evolution of Bahrain-focused payment systems, building backend infrastructures to facilitate cross-platform interoperability, faster settlement cycles, and intelligent merchant risk management. This includes strategic design work for integrating with Bahrain’s BENEFIT switch, real-time retail payments platform (RTPP), and regional card schemes.

Core Responsibilities:

🧱 Platform Design & Core Architecture

• Lead the high-level design of real-time payment infrastructure, capable of handling millions of merchant and peer-to-peer transactions monthly.

• Architect modular payment rails that support diverse acquiring models: in-store POS, e-commerce gateways, in-app wallets, QR-based payments, and subscription billing.

• Establish adaptive payment routing and failover systems across Visa, Mastercard, UnionPay, local rails (BenefitPay), and ACH.

💳 Merchant Onboarding & Acquiring Ecosystems

• Define end-to-end onboarding architecture: KYC, underwriting, onboarding documentation, and merchant dashboard integration.

• Create configurable APIs and SDKs for easy merchant integration across popular e-commerce platforms (e.g., WooCommerce, Shopify, Magento).

• Design merchant risk profiling mechanisms leveraging ML, merchant classification (MCCs), chargeback heuristics, and velocity detection.

🔐 Security & Regulatory Compliance

• Implement PCI DSS Level 1-compliant frameworks and build tokenization vaults, end-to-end encryption protocols, and dynamic CVV services.

• Ensure compliance with CBB’s mandates, Bahrain Open Banking regulations, eKYC frameworks, and data sovereignty requirements.

• Integrate robust 3DS2 orchestration, real-time fraud monitoring engines, and behavioral anomaly detection tools.

🌐 Ecosystem Strategy

• Interface with Bahrain-based banks, payment service providers (PSPs), and fintech startups for technical alignment and sandbox participation.

• Collaborate with Benefit Company and CBB on interoperability pilots and national instant payment expansion strategies.

• Provide long-term architectural roadmap on cross-border GCC payment integration using ISO 20022 and SWIFT gpi standards.

Ideal Candidate Profile:

• 8+ years in payments architecture or fintech engineering roles.

• Deep understanding of merchant acquiring technologies and card transaction lifecycles.

• Experience working with GCC-based regulators or PSPs; familiarity with Bahrain’s fintech sandbox is a plus.

• Fluency in RESTful API design, OpenAPI/Swagger documentation, containerization (Docker), and cloud-native architecture (AWS, Azure, or OCI).

• Preferred: Experience integrating with BenefitPay, MEPS, or Sadad systems.

• Cultural awareness of Bahrain’s SME market, merchant behaviors, and mobile payment preferences.

Are you excited about this opportunity?

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