---
title: 'Senior Software Engineer (PHP) at NMI'
canonical: 'https://feeny.ai/job/senior-software-engineer-php-nmi-united-states-ebkfgedj0sse'
type: 'job'
last_seen: '2026-09-07'
---

# Senior Software Engineer (PHP) at NMI

- **Company:** NMI
- **Location:** United States
- **Compensation:** $115k–$130k
- **Work type:** remote
- **Posted:** 2026-06-16
- **Last confirmed live:** 2026-09-07
- **Apply:** https://job-boards.greenhouse.io/nmi/jobs/5262856008

## Job description

NMI is looking for an experienced Senior Software Engineer (Full-Stack) to join our Fee Navigator team, part of our Account Management & Signup Tools value stream. FeeNavigator is a platform that automates merchant statement analysis and proposal generation — ingesting a processing statement in virtually any format, classifying every fee, computing markup and potential savings, and producing a signable proposal in seconds. It replaces work that previously took analysts hours per statement, and it sits at the heart of how our partners win and retain merchants.

This role is ideal for a seasoned engineer who can navigate complex systems, enjoys solving genuinely hard engineering challenges, and operates with a high degree of autonomy within a collaborative, agile team.

## About NMI

NMI, a global leader in payment technologies, allows software and sales professionals to deliver payment innovations to their clients without having to build payment expertise in house. NMI enables our partners with choice, and challenges the one-size-fits-all approach to payments. You've probably used NMI in the last 24 hours without even realizing it. We're the platform that powers success for innovative tech created by SMBs, entrepreneurs and fintech startups. We're creative problem solvers who help visionaries smash through boundaries and think beyond what's possible so they can think about what's next. But we're not just built for the tech savvy. We democratize the latest payments technology so that everyone can realize the benefits of easy payments across the full spectrum of commerce. Our mission is to use our expertise to enable more payments, in more ways and more places. We provide ISOs, Fintech Innovators and Technologists the freedom to focus on what they do best, liberating them from restricted payment solutions and giving them access to the latest payment technology now and in the future.

## How We Work - Our Core Values

- Be a Good Person, It's Simple. We treat everyone fairly and with respect. We lead with kindness, humility and integrity. We take the time to understand each other and our customers. And we serve with care, because customers are never a transaction, and always our focus
- Align, Trust & Go. We debate openly,  listen carefully and challenge thoughtfully. Once we decide, we move forward together - holding ourselves accountable to our commitments, and focusing on what matters most to our customers. That alignment creates momentum.
- Raise the Bar. Good enough isn't enough. We stay curious, measure everything, stay honest about progress and keep pushing ourselves to think creatively. We drive change, again and again. And leave things better than we found them. When we raise the bar, our customers feel it too.

What will I be doing?

In this role, you’ll contribute across the full software development lifecycle — from planning and design through implementation, code review, testing, and deployment. You’ll work within a cross-functional team alongside Product and fellow engineers to deliver high-quality, secure software that powers our fee-analysis and proposal platform.

Key duties:

- Design, build, and enhance features within FeeNavigator using PHP/Laravel and Vue
- Develop efficient database queries and optimize MySQL performance as needed
- Own the quality of your work end-to-end through developer-led testing — writing unit, integration, and end-to-end tests, and validating your own changes through to production
- Improve the health of a large, established codebase by refactoring complex areas and decomposing high-complexity components into maintainable, well-structured code
- Document critical business logic, application workflows, and key architectural decisions
- Collaborate with Product Managers to refine requirements and contribute to technical solution design
- Participate in code reviews to maintain high engineering standards and share best practices
- Work with SRE to ensure software is observable, resilient, secure, and production-ready
- Diagnose and resolve incidents, defects, and performance bottlenecks in collaboration with cross-functional teams
- Contribute to continuous improvement of development processes, tooling, and engineering practices

## Skills & Experience

Required

- Bachelor’s degree in Computer Science or equivalent experience
- 5+ years of experience developing complex applications
- Fluency in PHP and modern development practices
- Strong understanding of object-oriented programming and design patterns
- Experience with relational databases such as MySQL (schema design, query optimization)
- Experience with modern frontend development (JavaScript/TypeScript, Vue, npm, basic CSS/SCSS)
- Comfort working in large, established codebases — able to navigate unfamiliar systems, untangle complexity, and make sound changes with limited guidance
- Familiarity with secure coding principles
- Experience with Git and CI/CD workflows
- Experience contributing across the full SDLC
- Effective use of AI-assisted development tools, with the judgment to know where they add value and the discipline to review and validate their output
- Ability to work both independently and collaboratively

## Preferred

- Strong experience with Laravel or similar modern PHP frameworks
- Experience with the Vue ecosystem (Quasar, Pinia, Vite)
- Experience with containerization technologies (Docker)
- Experience with caching technologies (Redis, Memcached)
- Experience with AWS services (ECS, ECR, S3, SQS)
- Experience working with logging & monitoring systems (e.g., Sentry, New Relic)
- Understanding of cloud-native or SaaS architectures (scalability, resilience, multitenancy)
- Exposure to Python and ML-adjacent services (Flask, Pandas, scikit-learn)
- Experience integrating AI capabilities into applications, or building workflows that incorporate them
- Track record of raising engineering standards on a team — improving test coverage, reducing technical debt, or modernizing legacy code

As well as being a part of something exciting everyday, you will also receive the following benefits:

- Competitive salary + bonus
- A remote first culture!
- Flex PTO
- Health, Dental and Vision Insurance
- 13 Paid Holidays
- Company volunteer days

We believe that having a diverse group of employees strengthens both our work and our workplace. We’re focused on making NMI more diverse and welcoming with initiatives like having a dedicated Diversity, Equity & Inclusion action group, diversity goals for hiring, anonymized resume screening, affinity groups such as our Women's network and LGBTQ+ Network, open forums for discussions on diversity and social justice, and measuring inclusion and belonging as part of our regular employee engagement surveys.

## Equal Opportunity

NMI is committed to providing equal employment opportunity for all persons regardless of race, color, religion, sex, age, marital status, national origin, sexual orientation or sexual identity, genetic information, citizen status (except those that do not have the legal right to be employed in the United States), disability, military service, service member, veteran status, or any other basis protected by applicable law.

Please be aware that all offers of employment are made subject to receipt of satisfactory background and financial checks.

Attention job applicants: Please note that in compliance with the data protection regulations within your jurisdiction, any personal information submitted with your job application may be collected and used by NMI for the purpose of recruitment and employment-related activities. By submitting your application, you acknowledge and provide explicit consent to the processing of your personal information as described in our privacy policy found on our website. For more information on how we process your information, please read our privacy policy here: https://www.nmi.com/legal/privacy-policy/

#LI-Remote Salary range, depending on experience: $115,000—$130,000 USD

## About NMI

## Company Overview
- **One-liner**: NMI is a leading global embedded payments enablement platform that provides a modular, white-label payment gateway and processing solutions for businesses of all sizes.
- **Entity Type**: Private (Privately Held)
- **Headquarters**: Schaumburg, Illinois, United States
- **Founded**: Not publicly available (the company has operated for over 20 years)
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Financial Services / Payments (embedded payments, payment gateway, payment processing)
- **Target customers**: B2B – primarily SaaS platforms, Independent Sales Organizations (ISOs), Payment Facilitators (PayFacs), banks, and large enterprises.
- **Mission statement**: “To develop cutting-edge payment technology accessible to everyone, enabling easy, frictionless payments across the full spectrum of commerce. Because we want payments to disappear, to become seamless.” [nmi.com](https://www.nmi.com/about-us/careers/)

## Products & Services
- **Payment Gateway**: A feature-rich, white-label payment gateway enabling secure online, in-app, in-store, mobile, and unattended payment acceptance. Supports no-code to full API integrations. [nmi.com](https://www.nmi.com/)
- **Merchant Central**: A combined CRM and underwriting platform that helps manage the full merchant lifecycle—onboarding, risk monitoring, and insights. [nmi.com](https://www.nmi.com/)
- **Embedded Payments**: A modular solution that allows software platforms and ISVs to embed payments directly into their products, share in net payment revenue, and monetize transactions. [nmi.com](https://www.nmi.com/)
- **A2A & Money Movement (via Dwolla acquisition)**: Real-time account-to-account payment capabilities and money movement services. [nmi.com](https://www.nmi.com/)
- **Pricing Intelligence (via Fee Navigator acquisition)**: AI-powered tools for competitive pricing analysis and optimization. [nmi.com](https://www.nmi.com/)

## Market Standing
- **Valuation**: Not disclosed
- **Key Metrics**:
  - Annual Revenue: $125.0 million [linkedin.com](https://www.linkedin.com/company/nmipayments)
  - Total Funding: $620.0 million (latest round in September 2021 led by Insight Partners) [linkedin.com](https://www.linkedin.com/company/nmipayments)
  - Annual Payments Volume: Over $502 billion processed annually [nmi.com](https://www.nmi.com/)
  - Active Merchants: 1.2 million [nmi.com](https://www.nmi.com/)
  - Technology Partners: Over 6,000 [linkedin.com](https://www.linkedin.com/company/nmipayments)
  - Connected Devices: 235,000+ [nmi.com](https://www.nmi.com/)
  - Processor Connections: 300+ [nmi.com](https://www.nmi.com/)
- **Notable Investors**: Insight Partners, Bregal Sagemount, Great Hill Partners [linkedin.com](https://www.linkedin.com/company/nmipayments)
- **Growth Signals**:
  - 11.3% year-over-year headcount growth (now ~316 employees) [linkedin.com](https://www.linkedin.com/company/nmipayments)
  - Recent acquisitions: Dwolla (real-time payments), Fee Navigator (AI pricing), Agreement Express (onboarding automation), IRIS CRM, Creditcall, USAePay [linkedin.com](https://www.linkedin.com/company/nmipayments)
  - Expanded global presence in 15 countries including UK, South Africa, Canada, Ukraine, Australia [linkedin.com](https://www.linkedin.com/company/nmipayments)

## Competitive Advantages
- **Modular white‑label platform**: Partners can pick and choose capabilities (gateway, underwriting, compliance, risk) without being locked into a single vendor.
- **Massive processing scale**: Over $502B in annual volume and 300+ processor connections provide unmatched flexibility and reliability.
- **Deep network of EMV device certifications and connected devices** (235K+), enabling omnichannel acceptance.
- **Partner‑first approach**: ISOs and PayFacs can fully brand the solution and monetize payments as a strategic profit center.
- **Proven M&A integration**: Successfully integrated multiple acquisitions (Creditcall, USAePay, IRIS CRM, Dwolla, Fee Navigator) to expand capabilities without disrupting existing partners.

## Strategic Focus
- **Embedded payments**: Deepening integration with SaaS platforms and ISVs to make payments a seamless part of their software.
- **Real‑time payments (A2A)**: Expanding money‑movement rails via the Dwolla acquisition to offer faster, lower‑cost payment options.
- **AI‑driven intelligence**: Leveraging Fee Navigator’s AI pricing tools to give partners data‑backed pricing strategies.
- **Global expansion**: Continuing to grow headcount and offices across North America, Europe, and Africa to support international partners.

## Why Work Here
- **Remote‑first culture**: NMI is a remote‑first company, giving employees autonomy to work from home, co‑working spaces, or on the go. Hybrid and in‑office options are also available at hubs in New York, Chicago, Bristol (UK), and Cape Town (South Africa). [nmi.com](https://www.nmi.com/about-us/careers/)
- **Award‑winning workplace**: Recognized as a 2023 Best Places to Work in Fintech (American Banker), 2022 Best Place to Work in Tech (Sparkies), and multiple ETA awards. [nmi.com](https://www.nmi.com/about-us/careers/)
- **Comprehensive benefits**: Enhanced maternity & parental pay, competitive time‑off, 401k/pension contributions, medical insurance & wellness benefits, mental health first aiders program. [nmi.com](https://www.nmi.com/about-us/careers/)
- **Inclusive environment**: Active IDEA Committee, LGBTQ+ Network, and social responsibility initiatives (e.g., renewable energy, waste reduction). [nmi.com](https://www.nmi.com/about-us/careers/)
- **Growth opportunities**: Open roles include Product Management, Engineering (PHP, Platform), Marketing, and Partner Success — with clear paths for advancement in a fast‑growing company. [greenhouse.io](http://job-boards.greenhouse.io/nmi)

## Sources
1. [nmi.com - Corporate Homepage](https://www.nmi.com/)
2. [nmi.com - Careers Page](https://www.nmi.com/about-us/careers/)
3. [nmi.com - Open Positions](https://www.nmi.com/about-us/careers/open-positions/)
4. [greenhouse.io - NMI Jobs Board](http://job-boards.greenhouse.io/nmi)
5. [linkedin.com - NMI Company Page](https://www.linkedin.com/company/nmipayments)

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