Payment Software Developer

OTT Pay Inc. is an established, fully funded fintech company focused on delivering streamlined financial payment solutions. With a strategic focus on both acquiring and issuing business, we are developing a mobile-first platform that offers a wide range of financial services, loyalty programs, and innovative products, including credit cards, payment solutions, e-commerce, gift cards, and more. We are a results-driven, forward-thinking organization that values goal orientation and continuous improvement.

At OTT Pay, you will find abundant opportunities for professional growth, working alongside a talented and diverse team from various industries. Our collaborative and innovative environment fosters learning and development, empowering you to excel and make a tangible impact. This is a unique chance to join a company dedicated to reshaping financial solutions for the future.

We are seeking a highly experienced and domain-specific EMV Pinpad Developer to lead the design, development, and certification of our payment acceptance applications. The ideal candidate will have deep, hands-on programming experience across the industry's leading terminal platforms, particularly Ingenico, Verifone, and PAX. This role involves high-level application development, low-level EMV kernel integration, and ensuring strict payment scheme compliance.

What's In It For You

• Competitive salary depending on experience, plus performance bonus
• Extended Health, Dental, and Vision Benefits
• Life and Disability Insurance
• Generous Vacation Leave
• Centrally located modern and spacious offices close to Eglinton and Leslie
• Free use of onsite Gym and Sports Facilities, and regular Company Social Events
• Learning and Professional Development Support
• Tremendous opportunities for Growth and Development

How You Will Contribute

• Pinpad Application Development: Design, implement, and maintain custom payment applications for various point-of-sale (POS) terminal families (e.g., Verifone Engage/Android, Ingenico Telium/Tetra/AXIUM, PAX Android/Linux).
• SDK & API Integration: Utilize proprietary Software Development Kits (SDKs) and APIs (e.g., Verifone XPI/PSDK, Ingenico Libraries, PAX Android SDK) to integrate payment functionality, peripherals (printers, scanners), and secure key management.
• EMV Kernel Development: Design, develop, and maintain EMV Level 2 and Level 3 software kernels for various payment terminals (e.g., POS, unattended kiosks, mobile readers).
• Compliance and Certification: Lead and execute EMV certification (Level 1, 2, and 3) and compliance testing with various payment networks (e.g., Visa, Mastercard, Amex, Discover).
• Protocol Implementation: Implement and test contact and contactless (NFC) transaction protocols, including card selection, data exchange, cryptographic operations, and cardholder verification methods (CVMs).
• Security: Ensure secure coding practices and implement cryptographic processes (DUKPT, TDES, RSA) for PIN entry, key injection, and transaction data protection, adhering to PCI PTS/DSS standards
• Troubleshooting: Diagnose and resolve complex technical issues related to EMV transaction failures, communication errors, and certification roadblocks.
• Documentation: Create and maintain detailed technical specifications, design documents, test plans, and certification artifacts.
• Cross-Functional Collaboration: Work closely with hardware engineers, product managers, quality assurance, and external payment processors/vendors.

What You Bring To The Table
Technical Expertise

• 5+ years of experience in software development, with a minimum of 3 years focused on EMV payment systems.
• In-depth, hands-on development experience with the following payment terminal platforms and their respective SDKs:
• Ingenico (Telium/Tetra/AXIUM): Experience with their C-based SDKs or newer Android/HTML5 platforms.
• Verifone (Verix/Engage/Android): Experience with their XPI, PSDK, or other relevant APIs.
• PAX (Android/Linux): Experience developing on their A-series or S-series terminals using Java/Kotlin (Android) or C/C++
• Deep knowledge of EMV Specifications (Book 1-4) and associated payment schemes' technical requirements.
• Strong understanding of cryptography principles used in payment systems (e.g., DUKPT, Triple DES, RSA, key injection).
• Experience with Contactless/NFC payment technology and protocols.
• Familiarity with industry standards such as PCI DSS and PCI PTS.

Education & Soft Skills

• Bachelor's or Master's degree in Computer Science, Electrical Engineering, or a related technical field.
• Excellent analytical and problem-solving skills with meticulous attention to detail.
• Strong verbal and written communication skills for interacting with technical teams and non-technical business stakeholders.

Office Location: 1123 Leslie Street, North York

Schedule: Mon – Fri, 9:00am to 5:30pm

OTT Financial Group is committed to fostering an inclusive and accessible environment where all employees feel valued and respected, and where every employee can realize their potential. We are committed to providing reasonable accommodation, if required, and will work with you to meet your needs. We appreciate all applicants for their interest; however, only those candidates selected for an interview will be contacted.