SumUp is a global fintech trusted by over 4 million small businesses in 36 countries. We provide simple, powerful tools that help merchants get paid, manage their money, and grow their business all in one place. Whether it's accepting card payments, sending invoices, or managing business accounts, our mission is to make financial services easy and accessible for small businesses everywhere.

Our Global Bank team is building the infrastructure behind SumUp's digital banking experience. Within this team, the Transfers Gateway squad plays a critical role in how money moves in and out of SumUp accounts. We power millions of transactions across SEPA and UK payment schemes, integrate with third-party banking partners, and ensure fast, secure, and compliant payment processing. From fraud prevention to system monitoring, we're focused on reliability at scale.

As a Backend Engineer in our Transfers Gateway team, you'll work on distributed systems handling real-time payments at scale. You'll build and maintain integrations with external banks and improve performance, security, and observability. You'll collaborate with skilled engineers and cross-functional teams to support millions of small businesses across Europe.

What You'll Do

Build and maintain banking integrations for SEPA and UK payment schemes, enabling seamless, secure money movement for merchants across Europe.
Work on backend systems that handle millions of transactions, focusing on reliability and performance.
Collaborate closely with other cross-functional teams to deliver end-to-end features, from architectural design and coding to testing, monitoring, and incident resolution.
Participate in architectural discussions and contribute to technical roadmaps.
Improve test automation and monitoring to keep our systems running smoothly and catch errors early.
Learn about complex payment schemes and banking regulations, and use this knowledge to design cleaner, more reliable backend systems that are easier to maintain and scale.

You'll Be Great for This Role If You Have

Professional experience as a Backend Engineer.
Proficiency in Golang (Kotlin experience is a plus) in production environments.
Solid grasp of relational databases and working with cloud based infrastructure.
A good understanding of system architecture, design principles, data modeling, and API design (both RESTful and event-driven).
Experience working with CI/CD pipelines and version control systems like Git.
A track record of writing clean, maintainable, and well-structured code.
You're curious and eager to learn more about the domain, always looking to improve your skills and work closely with the team to deliver the best results for our merchants.

Nice-to-Haves

Experience in fintech, payments, or banking.
Exposure to Kafka, PostgreSQL, Docker, Kubernetes, AWS and Grafana.
Experience with highly scalable, robust, and fault-tolerant systems.
Experience using observability tools to proactively detect and troubleshoot issues.

Why You'll Love Working at SumUp

Be part of a company that values diversity and celebrates unique perspectives.
Work with a global team of skilled professionals in an environment that fosters collaboration, learning, and growth.
Be part of a global tribe building a banking solution from the ground up and delivering impactful solutions to the real-life problems of millions of SumUp merchants all over the world
Career growth and learning opportunities: We invest in your development through regular training, mentorship programs, SumUp University leadership cohort and a yearly learning budget (2,000 EUR)
Sabbatical program for tenured SumUppers
Join a global team where you belong: Check out our D&I Initiatives and Employee Resource Groups such as Pride Club, SumAfro, Neurodiversity, Grupos Mais, Women in Tech, and more
Health & wellness benefits: in-house fitness classes, gym in the office, subsidized Urban Sports Club and available psychotherapy sessions
A lot of other benefits such as Subsidized Public Transport Card, Kita placement assistance, Pension Scheme, Language Learning platform/courses etc.
Enrollment onto our virtual stock ownership program - you will own a stake in SumUp's future success.

About SumUp

Be empowered to do more that matters.

At SumUp, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive. Today, over 4 million businesses in 36 markets rely on SumUp as their financial partner to manage payments, finance and customer relationships.

Our commitment to small businesses is reflected in our diverse team of over 3,000 SumUppers from over 90 nationalities, united by global collaboration and an innovative mindset. Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success. We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth. Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify.

SumUp is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce. We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy. Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited.

Explore career opportunities with us and join a team driven by collaboration, innovation, and a shared vision of creating a world where everyone can build a thriving business. Discover more about our vibrant and inclusive work culture and how we work on our careers website, and follow our journey on LinkedIn and Instagram.

Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job. Please note that this is only a guide. If you don't tick every box, it's ok too because it means you have room to learn and develop your career at SumUp.