Product Manager Payment Acceptance

• Named the #1 Restaurant POS by G2(Fall 2025) based on ratings from real users
• Rated thetop-rated point-of-sale(POS) for restaurants bars retail and small businesses by Capterra users
• AwardedGreat Places to Workand Built InsBest Workplacesfor multiple years running

About the Role

As the Product Manager Payment Acceptance you will own the strategy and execution for SpotOns payment acceptance capabilities across card-present and card-not-present experiences in our hospitality-focused merchant base. You will define how payments are presented authorized captured and accepted across our ecosystem ensuring reliability security and compliance while driving a best-in-class experience for restaurants and other hospitality merchants.

You will work closely with engineering design operations sales and external payment partners to deliver scalable ISO 8583 ISO 14443 and EMVCo Specification aligned payment flows for in-store online and mobile channels. Your success will be measured by payment performance (authorization rates latency and resiliency) merchant satisfaction and the ability to unlock new payment capabilities that help merchants grow revenue and reduce operational friction.

Responsibilities:

Payment Execution:

• Own the end-to-end product roadmap for payment acceptance in card-present (CP) and card-not-present (CNP) environments with a focus on hospitality use cases such as table service counter service bars quick-service and multi-location groups.

Define the strategy for how each payment media type is presented and accepted at the terminal including chip contactless ecommerce tokens and white label loyalty and set the metrics that measure acceptance health.

• Translate complex payment acceptance flows into simple intuitive experiences for merchants and their staff including refund tip adjustment partial authorization and offline/stand-in authorization scenarios.
• Design and optimize payment authorization clearing and settlement flows in alignment with ISO 8583 ISO 14443 and EMVCo Specification and other relevant scheme and network requirements ensuring accurate resilient and compliant transaction processing.
• Partner with payment engineering teams to define requirements APIs and technical specifications for terminal integrations SDK integrations gateways tokenization risk services and transaction routing.
• Monitor and improve key payment performance metrics (e.g. authorization rates chargebacks declines retries disputes latency reconciliation accuracy) and lead experiments to improve them.
• Collaborate with risk compliance and security teams to ensure adherence to network rules card brand requirements and industry standards (PCI DSS) and to define merchant onboarding monitoring and remediation workflows.
• Partner with GTM teams to package and position payment capabilities in a way that differentiates SpotOn for hospitality merchants working closely with Sales Account Management and Customer Success.
• Use data and merchant feedback to prioritize features quantify impact and drive a rigorous experimentation culture for new payment capabilities (e.g. digital wallets stored cards recurring billing surcharging or dual pricing where compliant).
• Lead discovery with external processors acquirers gateways and third-party partners to evaluate and implement new capabilities routing options or cost-optimization opportunities.
• Ensure that operational teams (support implementations risk operations finance and settlement teams) have the tooling workflows and documentation needed to support merchants at scale.

Cross-Functional Leadership:

• Act as the primary product point of contact for payment acceptance 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 to arrive at pragmatic high-impact solutions.
• Communicate clearly and consistently with executives and senior leaders on trade-offs risks dependencies and progress for payment initiatives.
• Drive alignment between product engineering design operations GTM and finance by creating transparent backlogs roadmaps and status updates that keep everyone moving in the same direction.
• Advocate for hospitality merchants and their staff bringing qualitative feedback and quantitative insights into planning and prioritization discussions.
• Mentor and influence peers and adjacent product teams on payment best practices shared capabilities and platform standards to avoid fragmentation and duplicate solutions.
• Contribute to a culture of accountability urgency and ownership ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.

Qualifications:

• 5 years of product management experience with at least 3 years focused on payments fintech or closely related financial services products.
• Deep understanding of card-present and card-not-present payment acceptance including authorization capture clearing settlement tokenization risk and chargeback flows.
• Demonstrated familiarity with ISO 8583 & 20022 and card-network messaging and the ability to work effectively with engineers and partners using ISO 8583:2023 & 20022 aligned message specifications.
• 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.
• Hospitality retail or point-of-sale experience is strongly preferred but not required.

Compensation:

• Our base pay range starts at $150000 -$200000 for this role
• Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan
• Offers will be reflective of the candidates location and experience.

Benefits:

At SpotOn we put people above everything else. Were known for our innovative software and technology solutions but we stand out because of the hard-working humans behind the tech. We cant take care of our clients without taking care of our employees first and thats why we invest in you with a competitive benefits package which includes:

• Medical Dental and Vision Insurance
• 401k with company match
• RSUs
• Paid vacation 10 company holidays sick time and volunteer time off
• Employee Resource Groups to build community and inclusion at work
• Monthly cell phone and internet stipend
• Tuition reimbursement for up to $2000 per calendar year to assist with your professional development

We will never ask candidates to pay fees purchase equipment or share sensitive personal or financial information during the hiring process. All legitimate communication from our recruiting team will come from an official company email address (@). If something seems suspicious please contact us at.

SpotOn is an equal employment opportunity employer. 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.