Job Description

Job Overview:

We're looking for a

Senior PHP Laravel Developer

to join our core development team. In this role, you'll work on building and maintaining complex financial systems with a special focus on

Electronic Funds Transfer (EFT), Automated Clearing House (ACH) processing

, and

credit card payment processing

.

This role requires strong technical skills in PHP and Laravel development, combined with practical knowledge of

payment systems, banking integrations

, and

financial data security

.

Key Responsibilities:

Develop and maintain payment processing services using

PHP / Laravel

Build and integrate

EFT, ACH, and credit card workflows

, including NACHA file generation, batch processing, card vaulting, and settlement reporting Create

secure, scalable APIs

for financial transactions Implement

real-time and batch payment systems

that meet financial industry compliance standards Apply

Test-Driven Development (TDD)

practices to ensure high-quality, maintainable code Collaborate with product and operations teams to define technical solutions for new payment features Write

clean, well-documented, and testable code

Participate in

code reviews

and mentor junior developers Troubleshoot and resolve

production payment issues

as needed Ensure

data integrity, security, and compliance

(PCI DSS, SOC 2, etc.) in all software components

Required Qualifications:

5+ years of experience in software development using

PHP / Laravel

Experience in

FinTech

, banking, or

payment processing

Hands-on experience with

EFT, ACH, credit card payment gateways

, and

NACHA file formats

Deep understanding of

TDD

and automated testing frameworks Knowledge of

financial messaging standards and APIs

(e.g., ISO 20022, SWIFT, FedWire) is a plus Strong knowledge of

RESTful API development

and secure data handling Experience with

SQL

(MySQL, PostgreSQL, or other relational databases) Understanding of

event-driven architectures

,

microservices

, and

message queues

Solid grasp of

data security, encryption

, and

compliance regulations

Familiarity with

CI/CD pipelines, Docker

, and

cloud services

(AWS, Azure, or GCP) Strong

problem-solving and debugging

skills Excellent

communication and teamwork

abilities

Nice to Have:

Experience with

real-time payments

(RTP, FedNow) Prior work with

card issuing, card acquiring

, or

merchant services

Experience in

high-availability financial transaction systems

Experience working in an

Agile SCRUM

environment
Job Type: Fixed term contract

Experience:

software development using PHP / Laravel: 5 years (preferred) EFT, ACH, credit card, and NACHA file formats: 5 years (preferred)
Work Location: Hybrid remote in Markham, ON L3R 6G2