Senior Software Engineer

The Company PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. We operate a global, two-sided network at scale that connects hundreds of millions of merchants and consumers. We help merchants and consumers connect, transact, and complete payments, whether they are online or in person. PayPal is more than a connection to third-party payment networks. We provide proprietary payment solutions accepted by merchants that enable the completion of payments on our platform on behalf of our customers. We offer our customers the flexibility to use their accounts to purchase and receive payments for goods and services, as well as the ability to transfer and withdraw funds. We enable consumers to exchange funds more safely with merchants using a variety of funding sources, which may include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products such as gift cards, and eligible credit card rewards. Our PayPal, Venmo, and Xoom products also make it safer and simpler for friends and family to transfer funds to each other. We offer merchants an end-to-end payments solution that provides authorization and settlement capabilities, as well as instant access to funds and payouts. We also help merchants connect with their customers, process exchanges and returns, and manage risk. We enable consumers to engage in cross-border shopping and merchants to extend their global reach while reducing the complexity and friction involved in enabling cross-border trade. Our beliefs are the foundation for how we conduct business every day. We live each day guided by our core values of Inclusion, Innovation, Collaboration, and Wellness. Together, our values ensure that we work together as one global team with our customers at the center of everything we do – and they push us to ensure we take care of ourselves, each other, and our communities. Job Summary: Job Description: PayPal, Inc. seeks Senior Software Engineer in San Jose, CA Job Duties: Design, develop and deploy scalable, fault-tolerant banking platforms, and create architecture supporting millions of daily transactions. Build and implement idempotent systems with exactly-once processing guarantees. Debug complex production issues under time pressure, write comprehensive documentation and runbooks, and conduct post-mortems and implement preventive measures. Apply currency conversion logic for international payments, develop settlement systems for merchant payouts, and optimize transaction routing based on cost and speed. Implement automated testing frameworks, perform code reviews with focus on security and reliability, and ensure high code coverage and quality standards. Maintain PayPal's ACH processing engine for bank transfers and build features for instant transfers and wallet funding. Develop APIs consumed by PayPal mobile/web applications to support Venmo and other PayPal-family products. Connect to bank partners' APIs (Chase, Wells Fargo, etc.), integrate with payment networks (Visa, Mastercard, Nacha), and build webhooks for real time payment notifications. Work with Product Managers, Compliance and Risk teams, Infrastructure teams, and external banking partners to translate requirements into technical solutions, maintain regulatory requirements, promote platform scaling, and interface with vendors. Partial telecommuting permitted from a commutable distance. Minimum Requirements: Master’s degree, or foreign equivalent, in Computer Science, Engineering, or a closely related field plus three years of experience in the job offered or a related occupation. Employer will accept a Bachelor’s degree, or foreign equivalent, in Computer Science, Engineering or a closely related field plus five years of experience in the job offered or a related occupation. Special Skill Requirements: Example: Experience designing and developing large-scale software applications using Object-Oriented Design and Java (1 year)

1. Experience designing and developing backend software applications using Java, including object-oriented design, multithreading, and performance optimization (3 years).
2. Experience working with relational database management systems such as Oracle, including schema design, complex SQL queries, and transaction management (2 years).
3. Experience architecting and solutioning high-level and low-level designs for end-to-end payment product development, specifically bank settlement products including Direct Deposit, clearing, and returns processing (3 years).
4. Experience working with payment platforms, specifically payment settlement platforms supporting funds movement, reconciliation, and settlement lifecycle management (2 years).
5. Experience developing or supporting Direct Deposit products such as Top Up or wallet funding solutions (2 years).
6. Experience building settlement platforms and frameworks involving distributed file processing for returns, rejects, and acknowledgment files from banking entities or clearing houses (3 years).
7. Experience building and tuning distributed Java-based applications for scale and performance, specifically for bank settlement processing and mapping settlements to cash and accounting ledgers (3 years).
8. Experience building Java-based payment processing solutions to automate settlements against payables and receivables accounting ledgers (2 years).
9. Experience debugging and triaging complex production issues and developing automated prevention, detection, and correction tools using Java or related technologies (3 years).
10. Experience documenting high-level and low-level system designs using UML diagrams (2 years).

Additional Responsibilities & Preferred Qualifications: EOE, including disability/vets. The base pay for this role will depend on where you work and the relevant experience and expertise you bring. The expected range of pay for this role by location is: Primary Location | Pay Range: San Jose, California | Salary: $169,576.00-243,500.00per annum. 40 hours per week; M-F, 9:00 a.m. to 5:00 p.m. Additional compensation for this role may include an annual performance bonus, equity, or other incentive compensation, as applicable. Must be legally authorized to work in the U.S. without sponsorship. Subsidiary: PayPal Travel Percent: 0 PayPal does not charge candidates any fees for courses, applications, resume reviews, interviews, background checks, or onboarding. When making an application directly, we will never ask you to share passwords, one-time passcodes (OTP), or verification codes. Any such request is a red flag and likely part of a scam. All communication regarding your application will come from official PayPal email domains. If you suspect fraudulent activity, please report it immediately. To learn more about how to identify and avoid recruitment fraud please visit For the majority of employees, PayPal's balanced hybrid work model offers 3 days in the office for effective in-person collaboration and 2 days at your choice of either the PayPal office or your home workspace, ensuring that you equally have the benefits and conveniences of both locations. Our Benefits: At PayPal, we’re committed to building an equitable and inclusive global economy. And we can’t do this without our most important asset-you. That’s why we offer comprehensive, choice-based programs, to support all aspects of personal wellbeing—physical, emotional, and financial—delivering meaningful value where it matters most. We strive to create a flexible, balanced work culture with a holistic approach to benefits, including generous paid time off, healthcare coverage for you and your family, and resources to create financial security and support your mental health. Who We Are: Click Here to learn more about our culture and community. Commitment to Diversity and Inclusion PayPal provides equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, pregnancy, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state, or local law. In addition, PayPal will provide reasonable accommodations for qualified individuals with disabilities. If you are unable to submit an application because of incompatible assistive technology or a disability, please contact us at View email address on click.appcast.io. Belonging at PayPal: Our employees are central to advancing our mission, and we strive to create an environment where everyone can do their best work with a sense of purpose and belonging. Belonging at PayPal means creating a workplace with a sense of acceptance and security where all employees feel included and valued. We are proud to have a diverse workforce reflective of the merchants, consumers, and communities that we serve, and we continue to take tangible actions to cultivate inclusivity and belonging at PayPal. Any general requests for consideration of your skills, please Join our Talent Community. We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don’t hesitate to apply.