Software Engineer

We are seeking a highly experienced L3 Certification Tester with deep expertise in payment processing and certification across both card-present and card-not-present channels. The ideal candidate will have a proven track record in collaborating with acquiring and issuing banks, executing acquirer certifications, and interpreting complex payment specifications. This role requires a hands-on professional who can independently lead network certifications and contribute to merchant onboarding, troubleshooting, and compliance efforts.

• Lead and execute Level 3 (L3) payment certifications with acquiring banks.

• Interpret acquirer and payment network specifications and translate them into actionable test plans and software requirements.

• Conduct end-to-end certification testing for both card-present (retail/EMV) and card-not-present (eCommerce/MOTO) payment scenarios.

• Collaborate closely with acquiring and issuing banks to ensure certification compliance and successful test execution.

• Perform certification script analysis and validation for various processors and networks.

• Support merchant onboarding processes and guide integration teams through certification requirements.

• Troubleshoot unusual payment behavior, such as declines or excessive fees.

• Maintain familiarity with and contribute to certifications across a broad acquirer/processor set including:

  • Fiserv

  • Chase

  • Worldpay

  • Moneris

  • Elavon

  • Cybersource

  • Mastercard Payment Gateway Services (MPGS)

  • American Express GCAG/GFSG

• Assist in Terminal Testing, EMV Contact & Contactless Certification when required.

• Stay informed on PCI standards and support internal compliance initiatives.

• Minimum 8 years of experience in payment processing and certification.

• Strong understanding of card brand and network distinctions: Visa, Mastercard, Discover, AmEx.

• Proven experience in L3 certification and collaboration with acquiring/issuing banks.

• Expertise in retail (card-present) and CNP (eCommerce, MOTO) transactions.

• Ability to read, interpret, and apply payment specs from major acquirers.

• Self-sufficient in delivering network certification engagements.

• Experience onboarding merchants to acquirers and supporting live implementations.

• Familiarity with MCC 4111 transit rules and open payments (preferred).

• Experience with Terminal Testing, EMV Contact/Contactless certification.

• Understanding of PCI-DSS and cardholder data security standards.

• Strong analytical and problem-solving skills related to payment processing errors.

Cubic Pay Range:

The Cubic pay range for this job level is a general guideline only and not a guarantee of compensation or salary. Additional factors considered in extending an offer include (but are not limited to) responsibilities of the job, education, experience, knowledge, skills, and abilities, as well as internal equity, alignment with market data, applicable bargaining agreement (if any), or other law.