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About the Role

As the Product Manager in Payments, you will own the strategy and execution for SpotOn’s end-to-end payments experience, defining how payments are presented, authorized, captured, settled, and funded. You will ensure reliability, security, and compliance while driving a best-in-class experience for merchants. You will partner with money movement and remittance functions to ensure accurate, predictable, and transparent merchant funding.

Responsibilities

Own the end-to-end product roadmap for payments across card-present and card-not-present environments.
Define how each payment media type is presented and accepted and set metrics to measure acceptance health.
Translate complex payment flows into simple, intuitive experiences for merchants and their staff.
Monitor and improve key payment performance metrics through rigorous data-driven experimentation.
Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS.
Partner with GTM to package and position payment capabilities that differentiate SpotOn for hospitality.
Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.
Partner with money movement and remittance teams to ensure merchant processing funds settle on time with accurate fees, adjustments, and chargeback handling.
Feed payment product decisions back into funding and remittance workflows so merchant payouts stay predictable and explainable.
Act as the primary product point of contact for payments across SpotOn, aligning stakeholders around a clear vision, roadmap, and success metrics.
Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs.
Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress.
Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards.
Contribute to a culture of accountability, urgency, and ownership, ensuring high-quality releases on time and learning quickly from launches.

Requirements

5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products.
Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally teams around shared outcomes.
Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows.
Working familiarity with merchant processing economics—interchange, scheme fees, and how those show up in settlement and remittance to merchants.
Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment.
Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation.
Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams.
Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences.
Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers.
High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.
Work authorization in the U.S. is required.
Visa sponsorship is not available for this role.

Skills

Payments
Fintech
Financial Services
Product Management
Card-present payments
Card-not-present payments
Authorization
Capture
Clearing
Settlement
Tokenization
Risk management
Chargeback flows
Merchant processing economics
Interchange
Scheme fees
Payment processors
Acquirers
Gateways
Card networks
Analytical skills
Data analysis
Dashboard building
KPI definition
Data-driven experimentation
Technical product development
Cross-functional collaboration
Communication skills
Customer-centricity
User interviews
Ownership
Bias toward action
Project management

Location

Remote

Work Type

Full-time

Experience Level

5+ years of product management experience
3+ years focused on payments, fintech, or closely related financial services products

Salary/Compensations

$180,000 - $225,000/year

Benefits

Medical, Dental and Vision Insurance
401k with company match
RSUs
Paid vacation
10 company holidays
Sick time
Volunteer time off
Employee Resource Groups
Monthly cell phone and internet stipend
Tuition reimbursement for up to $2,000 per calendar year

About the Company

SpotOn is building restaurant tech to give independent restaurants the tools to compete and win.
Solutions include award-winning point-of-sale and AI-powered profit tools.
Named the #1 Restaurant POS by G2 (Summer 2026).
Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users.
Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running.
Moves fast, cares hard, and fights for independent restaurant operators.

Equal Opportunity

Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.
SpotOn is an E-Verify company.