Product Manager, Payments

Role Overview

• Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups.
• Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health.
• Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization).
• Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation.
• Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate SpotOn for hospitality.
• Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.
• Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting.
• Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.
• Act as the primary product point of contact for payments across SpotOn, aligning stakeholders around a clear vision, roadmap, and success metrics.
• Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions.
• Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives.
• Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions.
• Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.

Requirements

• 5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products.
• Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes.
• Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows.
• Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants.
• Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment.
• Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation.
• Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams.
• Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences.
• Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers.
• High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.

Benefits

• Medical, Dental and Vision Insurance
• 401k with company match
• RSUs
• Paid vacation, 10 company holidays, sick time, and volunteer time off
• Employee Resource Groups to build community and inclusion at work
• Monthly cell phone and internet stipend
• Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development