Payment Software Developer

OTT Pay Inc. is an established fully funded fintech company focused on delivering streamlined financial payment solutions. With a strategic focus on bothacquiringand issuing business we are developing a mobile-first platform that offers a wide range of financial services loyalty programs and innovative products including credit cards payment solutions e-commerce gift cards and more. We are a results-driven forward-thinking organization that values goal orientation and continuous improvement.

At OTT Pay you will find abundant opportunities for professional growth working alongside a talented and diverse team from various industries. Our collaborative and innovative environment fosters learning and development empowering you to excel and make a tangible impact. This is a unique chance to join a company dedicated to reshaping financial solutions for the future.

We areseekinga highly experienced and domain-specificEMVPinpadDeveloperto lead the design development and certification of our payment acceptance applications. The ideal candidate will havedeep hands-on programming experienceacross the industrys leading terminal platforms particularlyIngenico Verifone and PAX. This role involves high-level application development low-level EMV kernel integration and ensuring strict payment scheme compliance.

Whatsin it for you:

• Competitivesalarydepending on experience plus performance bonus

• Extended Health Dental and Vision Benefits

• Life and Disability Insurance

• Generous Vacation Leave

• Centrallylocatedmodern and spacious offices close to Eglinton and Leslie

• Free use of onsite Gym and Sports Facilities and regular Company Social Events

• Learning and Professional Development Support

• Tremendous opportunities for Growth and Development

How you will contribute:

• PinpadApplication Development:Design implement andmaintaincustom payment applications for various point-of-sale (POS) terminal families (e.g. Verifone Engage/Android Ingenico Telium/Tetra/AXIUM PAX Android/Linux).

• SDK & API Integration:Utilizeproprietary Software Development Kits (SDKs) and APIs (e.g. Verifone XPI/PSDK Ingenico Libraries PAX Android SDK) to integrate payment functionality peripherals (printers scanners) and secure key management.

• EMV Kernel Development:Design develop and maintain EMV Level 2 and Level 3 software kernels for various payment terminals (e.g. POS unattended kiosks mobile readers).

• Compliance and Certification:Lead and execute EMV certification (Level 1 2 and 3) and compliance testing with various payment networks (e.g. Visa Mastercard Amex Discover).

• Protocol Implementation:Implement and test contact and contactless (NFC) transaction protocols including cardselection data exchange cryptographic operations and cardholder verification methods (CVMs).

• Security:Ensure secure coding practices and implement cryptographic processes (DUKPT TDES RSA) for PIN entry key injection and transaction data protection adhering to PCI PTS/DSS standards

• Troubleshooting:Diagnose and resolve complex technical issues related to EMV transaction failures communication errors and certification roadblocks.

• Documentation:Create andmaintaindetailed technical specifications design documents test plans and certification artifacts.

• Cross-Functional Collaboration:Work closely with hardware engineers product managers quality assurance and external payment processors/vendors.

What you bring to the table:

Technical Expertise

• 5 yearsof experience in software development with a minimum of3 yearsfocused on EMV payment systems.

• In-depth hands-on development experiencewith the following payment terminal platforms and their respective SDKs:

• Ingenico (Telium/Tetra/AXIUM):Experience with their C-based SDKs or newer Android/HTML5 platforms.

• Verifone (Verix/Engage/Android):Experience with their XPI PSDK or other relevant APIs.

• PAX (Android/Linux):Experience developing on their A-series or S-series terminals using Java/Kotlin (Android) or C/C

• Deep knowledge of EMV Specifications(Book 1-4) and associated payment schemes technical requirements.

• Strong understanding ofcryptographyprinciples used in payment systems (e.g. DUKPT Triple DES RSA key injection).

• Experience withContactless/NFCpayment technology and protocols.

• Familiarity with industry standards such asPCI DSSandPCI PTS.

Education & Soft Skills

• Bachelors orMasters degree in Computer Science Electrical Engineering or a related technical field.

• Excellent analytical and problem-solving skills with meticulous attention to detail.

• Strong verbal and written communication skills for interacting with technical teams and non-technical business stakeholders.

Office Location: 1123 Leslie Street North York

Schedule: Mon Fri 9:00am to 5:30pm

OTT Financial Group is committed to fostering an inclusive and accessible environment where all employees feel valued and respected and where every employee can realize their potential. We are committed to providing reasonable accommodation if and will work with you to meet your needs. We appreciate all applicants for their interest; however only those candidates selected for an interview will be contacted.

Required Experience:

Senior IC