Senior Full-Stack Developer - Payment Processing Platform (Remote – Philippines Only)

Unlock your potential with Quantum ePay® We're a full-service financial technology provider that helps business owners lower their costs, earn more money, and improve their quality of life. We offer truly innovative payment processing solutions and an ever-expanding line of products to boost productivity, enabling our clients to operate efficiently and effectively in confidence. We're seeking an experienced Senior Full-Stack Developer for a long-term, full-time remote role. Applicants must be currently based in the Philippines. In this role, you'll join our engineering team working on a mission-critical payment processing platform. You'll be responsible for developing, maintaining, and scaling features across our multi-tenant Laravel monolith that processes millions in transactions annually. ESSENTIAL DUTIES AND RESPONSIBILITIES: Design, develop, and maintain full-stack features across Atlas, Merchant Dashboard, and payment processing systems Implement secure payment workflows, ACH processing, and financial transaction logic Build responsive merchant onboarding applications with complex underwriting rules Optimize database queries and payment processing performance for high-volume transactions Collaborate with product managers, compliance teams, and payment processors Participate in code reviews and mentor developers on payment industry best practices Contribute to PCI DSS compliance and security implementations Work with legacy systems (Vue 2) while modernizing to React/Inertia.js TECH STACK Backend: Laravel 12, PHP 8.4, MySQL/PostgreSQL, Redis Frontend: React, Vue 2, Inertia.js v2, Livewire v3, Tailwind CSS 3/4 Payment Processing: Custom ACH, chargeback handling, risk assessment APIs: REST API, OAuth2 (Laravel Passport), webhooks Infrastructure: Docker, AWS S3, SFTP, Redis, Pusher Security: PCI DSS compliance, encryption, secure file handling Testing: PHPUnit, Laravel Dusk, browser automation Code Quality: Laravel Pint, Larastan, PHPStan TECHNICAL REQUIREMENTS Strong PHP/Laravel Expertise: 4+ years PHP development, 2+ years Laravel (Laravel 10+ preferred) Payment Processing Experience: Understanding of payment gateways, ACH, PCI DSS, financial transactions Database Design: Complex Eloquent relationships, query optimization for financial data Frontend Development: React proficiency, Vue.js experience, Inertia.js knowledge Security-First Mindset: Experience with financial data handling, encryption, compliance API Development: RESTful API design, OAuth2 implementation, webhook handling Testing: PHPUnit for backend, Dusk for end-to-end testing NICE TO HAVES Experience with payment processing platforms or fintech Knowledge of ACH networks, chargeback processes, underwriting Multi-tenant application architecture Legacy system modernization (Vue 2 to React) Docker containerization and deployment AWS services (S3, SES, etc.) Real-time features with Pusher/Socket.io PDF generation, document processing International payment processing DOMAIN KNOWLEDGE Understanding of merchant services industry Knowledge of payment card industry standards Experience with financial risk assessment Familiarity with banking integrations SOFT SKILLS Strong analytical skills for complex business logic Experience working in regulated environments Ability to handle sensitive financial data responsibly Collaborative team player with cross-functional experience Passion for building reliable, secure financial systems EDUCATION & EXPERIENCE Bachelor's degree in Computer Science, Software Engineering, or related field 4+ years professional software development experience Experience with high-stakes, mission-critical applications Background in fintech, payments, or financial services preferred ELIGIBILITY REQUIREMENTS Must be based in the Philippines Must be available for full-time, long-term work Comfortable working as an independent contractor Reliable internet and remote work setup