---
title: 'Senior Software Engineer - Payments Platform at Xero'
canonical: 'https://feeny.ai/job/senior-software-engineer-payments-platform-xero-vancouver-3k86ad9rfga2'
type: 'job'
last_seen: '2026-11-07'
---

# Senior Software Engineer - Payments Platform at Xero

- **Company:** [Xero](https://feeny.ai/companies/xero)
- **Location:** Vancouver, Canada
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-21
- **Last confirmed live:** 2026-11-07
- **Apply:** https://jobs.ashbyhq.com/xero/49fc0d24-4d4e-4dc8-a857-53c9665fe5a3

## Job description

## The role and its impact

Payments Platform is one of Xero’s biggest areas of investment and growth - directly affecting how small businesses pay their people, buy supplies and take on their next opportunity. Here, we build the foundations for collecting and paying money through Xero, helping make payments simple, accurate and secure for customers while supporting multiple products, payment methods, providers and regions. You’ll help evolve a growing platform by building reusable, provider-agnostic capabilities across areas such as payment orchestration, provider integrations, onboarding, risk and compliance, reconciliation and bill payments. As a Senior Engineer, you’ll own significant end-to-end initiatives from technical design through to production, helping decide how payment capabilities are designed, integrated and operated as the platform scales. You’ll stay hands-on in production code, work through trade-offs where customer simplicity, financial control, reliability and scalability matter, and collaborate closely with product and engineering partners to deliver payment experiences that are secure, trusted and easy to use. You’ll also help shape engineering practices and quality standards as the Vancouver Payments Platform team continues to grow.

Technical Challenges:

- A shared payments platform: Own a capability within the platform, such as orchestration, risk and fraud, or multi-provider support, and deliver it end-to-end. You'll be helping teams launch new payment products faster without rebuilding the same foundations.
- Global bill payments: Make a complex financial process feel simple for small businesses while keeping it accurate, secure and connected to the accounting record.
- High throughput at scale: Design and deliver reliable, secure distributed services that remain dependable under real-world production constraints, with the monitoring and operational readiness to support them.
- Customer impact alongside architectural progress: Improve existing systems in steps, delivering customer value quickly while contributing to a coherent long-term architecture.
- AI capabilities customers can trust: Apply AI to challenging product problems while protecting customer trust, and help evaluate those capabilities with the same discipline as the rest of your work.

Here are some of the things we are looking for

- Proven track record of delivering highly available, distributed systems and high-throughput services on cloud-native platforms such as AWS, Azure or GCP.
- Demonstrated end-to-end ownership of significant work, from design through to rollout and production validation, including the technical decisions that come with it.
- You think carefully about architecture and trade-offs, from API design to choosing the right data store, and you balance speed, quality and long-term maintainability.
- Proficiency in a modern backend stack, such as Java, Kotlin, Go, Python, Ruby or C++, and you are keen to learn C# and .NET, where existing experience is a bonus.
- Passion for staying hands-on, contributing to production code and technical deep dives, and using AI tools with good judgement to move faster and raise the quality bar.
- A commitment to Go Together by mentoring peers, sharing technical knowledge and helping teammates grow through code reviews, pairing and documentation.

Where and how you can work This role is based in our Vancouver office, where we embrace a hybrid working model. You will have the flexibility to work from home while joining the team in the office for "boost days" (1-2 days a week) to collaborate, socialize, and solve complex problems in person.

Our Hiring Process

- TX phone screen: a conversation with your Talent Specialist about your background, motivations and the role.
- Technical assessment: a coding assessment and systems design assessment, conducted virtually with real engineers, and based on real-world scenarios.
- Technical deep dive: walk through a past project you owned end-to-end, covering how you thought about it, executed it and led through its complexity.
- Values / Future Proof Xero: how you show up day to day, aligned with Xero's values and capabilities such as adaptability, ownership, customer thinking and AI fluency.

## Compensation & Total Rewards

At Xero, we value the impact and skills you bring to the team. We believe in a Total Package philosophy - ensuring your value is recognized through a holistic lens that includes base salary, performance incentives, and world-class benefits. The expected base salary range for this role is $155,000 - $205,000 CAD. Individual pay is determined by various factors, including geography, level of experience, and the specific skills you bring to the role. In addition to base pay, Xero’s roles are eligible for the following forms of variable compensation:

- Variable Pay: Permanent employees are eligible to participate in our annual bonus and equity (RSU) programs. You may also be eligible for performance-based cash or equity (RSUs) incentives depending on your role level, and company performance.
- Comprehensive Benefits: World-class health, wellness, and retirement programs. [Xero Perks](https://careers.xero.com/inside-xero/benefits-wellbeing/) including Wellbeing days, generous leave, and dedicated professional development budgets.

This is a posting for an existing vacancy. Xero uses AI to help screen applications based on job-related qualifications. These tools assist our recruiters but do not make automated hiring decisions. A human recruiter reviews all candidates before any hiring action is taken.

## About Xero

## Company Overview
- **One-liner**: Xero provides cloud-based accounting and financial management software for small businesses, serving over 4.9 million customers worldwide.
- **Entity Type**: Public (ASX: XRO, S&P/ASX 200 component)
- **Headquarters**: Wellington, New Zealand
- **Founded**: July 6, 2006
- **Founders**: Rod Drury, Hamish Edwards

## Core Business
- **Primary industry**: Cloud accounting software (SaaS)
- **Target customers**: Small businesses, accountants, and bookkeepers (B2B)
- **Mission**: To make life better for small businesses globally by automating routine tasks and delivering actionable insights.

## Products & Services
- **Xero Accounting Software**: Cloud-based platform for invoicing, bank reconciliation, expense tracking, payroll, and financial reporting. Sold by subscription (Starter, Standard, Premium tiers).
- **JAX – AI Finance Partner**: An AI-powered assistant integrated into Xero that automates routine tasks and provides insights to help businesses grow.
- **Xero Ecosystem**: Over 1,000 third-party app integrations via the Xero App Store, covering payments, inventory, CRM, and more.
- **Xero for Nonprofits**: Discounted subscriptions (25% off) for eligible nonprofit and community organisations.
- **Xero for Purpose**: Social impact initiatives including financial literacy programmes (Unlock Your Numbers), sustainability tools (Sumday carbon app), and the Xero Beautiful Business Fund (NZ$750,000+ in funding annually).

## Market Standing
- **Valuation/Market Cap**: Not disclosed in provided sources (publicly traded with market cap available on ASX; latest data not included in search results).
- **Key Metric**: Annual Revenue NZ$2.103 billion (FY2025); Net income NZ$227.8 million (FY2025).
- **Notable Investors/Partners**: Board Chair David Thodey; CEO Sukhinder Singh Cassidy. In June 2025, Xero announced an agreement to acquire Melio, a New York-based payments provider, for $2.5 billion.
- **Growth Signals**: Achieved Rule of 40 outcomes of 41.0% (May 2024) and 43.9% (Nov 2024). Customer base grew to 4.9 million. Headcount of 4,610 employees (2025). Expanding globally with offices in New Zealand, Australia, UK, US, Canada, South Africa, and Singapore.

## Competitive Advantages
- **Market leader** in cloud accounting across New Zealand, Australia, and the UK.
- **AI-first approach** with JAX, embedded directly into the core product to reduce manual work.
- **Extensive integration ecosystem** (1,000+ apps) creating high switching costs for customers.
- **Strong brand trust** built over 19 years with a focus on small business success.

## Strategic Focus
- **AI and automation**: Deepening AI capabilities (JAX) to deliver predictive insights and automate finance workflows.
- **Payments expansion**: Acquisition of Melio to strengthen payments capabilities for small businesses.
- **Sustainability**: Reducing carbon emissions (72% reduction in scope 1 & 2), offering free carbon accounting tools, and supporting small business sustainability.
- **Social impact**: Scaling programmes like the Beautiful Business Fund and financial literacy initiatives.

## Why Work Here
- **Culture**: Values-driven, human-centric organisation with a focus on making a tangible impact on small businesses globally.
- **Flexibility**: Emphasises a flexible environment and time for what matters most (remote/hybrid policy not explicitly stated but implied).
- **Perks & benefits**:
  - One paid day off per year for volunteering (Community Connect programme).
  - Free access to Sumday carbon accounting app for employees.
  - Financial literacy resources and mentorship programmes.
- **Engineering & innovation**: Dedicated Engineering and Data & AI teams (open roles visible on careers page). Global collaboration across 7+ countries.
- **Diversity & inclusion**: Indigenous inclusion initiatives (te ao Māori in NZ, Reconciliation Action Plan in Australia), support for Indigenous communities.
- **Sustainability focus**: Employees can contribute to environmental goals through company-wide initiatives.

## Sources
1. [Wikipedia – Xero](https://en.wikipedia.org/wiki/Xero)
2. [Xero About Page](https://www.xero.com/au/about/)
3. [Xero Careers – Inside Xero](https://careers.xero.com/inside-xero/)
4. [Xero Careers – Teams](https://careers.xero.com/)
5. [Xero Homepage](https://www.xero.com/)

## Other roles at Xero

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