FinTech Dev Needed for Real-Time Payments App

Job Title: FinTech Software Developer – Real-Time Payments App MVP (NPP / PayTo API)

Project Description:
We are a fast-moving FinTech startup building a disruptive real-time mobile payment application for the Australian retail market. We need an experienced FinTech Lead Developer / Architect to build our backend Minimum Viable Product (MVP).

The app allows users to scan merchant QR codes to trigger instant, bank-to-bank retail payments using Australia's New Payments Platform (NPP), PayTo, and PayID infrastructure.

Key Responsibilities:

Integrate third-party Australian Banking-as-a-Service (BaaS) REST APIs (e.g., Monoova, Zepto) and webhooks.
Implement an ISO 20022-compliant payload to generate secure, dynamic merchant QR codes.
Design a secure backend (Node.js, Go, or Python) with AES-256 encryption, OAuth 2.0, and device biometric token validation.
Deploy and debug end-to-end payment simulations inside the SWIFT/NPP developer sandbox.

Required Experience:

Proven track record building digital wallets, payment gateways, or core ledger systems (UPI or NPP experience is a massive plus).
Expert-level backend skills paired with robust databases (PostgreSQL/MySQL) and secure caching (Redis).
Strong understanding of financial data security and protection standards.

Scope & Budget:

Duration: 2-3 months (Milestone-based delivery).
Budget: Competitive / Based on expertise.
Note: Shortlisted candidates must sign an NDA before receiving the full technical brief.

Mandatory Screening Question:
"Please briefly describe a previous project where you integrated a financial transaction API, and explain how you handled webhook failures or transaction drop-offs in that system."