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Payment Operations Jobs in California (NOW HIRING)

Ripple

Senior Manager, Payment Operations

San Francisco, CA · On-site

$176K - $220K/yr

THE WORK: We're looking for a Senior Manager, Payment Operationsto join our San Francisco office and help scale the operational backbone behind Ripple's payment products. This is a high-impact role ...

Qcells

Director, FinOps & Payment Processing

Santa Clara, CA · On-site +1

$155K - $200K/yr

Our growth has been rapid -- and with that growth comes the need to build the operational infrastructure to match. We are looking for a seasoned FinOps and Payment Processing leader to own, stabilize ...

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How much do payment operations jobs pay per hour?

As of Jul 27, 2026, the average hourly pay for payment operations in California is $23.84, according to ZipRecruiter salary data. Most workers in this role earn between $15.19 and $27.26 per hour, depending on experience, location, and employer.

What jobs pay 4000 a week without a degree?

In payment operations, high-paying roles such as senior payment analysts or consultants can reach $4,000 per week with extensive experience and specialized skills. These positions often require strong knowledge of financial systems, certifications, and the ability to manage complex transactions or processes, but they do not always require a formal degree.

What are some typical daily responsibilities in a Payment Operations role?

In a Payment Operations role, your daily tasks may involve processing incoming and outgoing payments, reconciling transactions, identifying and resolving discrepancies, and ensuring compliance with relevant regulations. You’ll often work closely with finance, treasury, and customer service teams to address payment issues and support business objectives. The role requires maintaining up-to-date knowledge of payment systems and procedures, as well as supporting audits and internal controls. Attention to detail and efficiency are essential, as your efforts directly impact the accuracy and reliability of the company’s financial operations.

What jobs make $3,000 a day?

High-level roles in finance, such as hedge fund managers, investment bankers, and private equity executives, can earn $3,000 or more daily through bonuses and commissions. Additionally, specialized consultants, top-tier sales professionals, and certain tech entrepreneurs may reach this level with significant experience and performance-based pay. These positions typically require advanced skills, certifications, and extensive industry experience.

What is a Payment Operations job?

A Payment Operations job involves managing and optimizing the processes related to payments within a company. This includes handling transactions, ensuring compliance with financial regulations, resolving payment issues, and working with banks or payment processors. Professionals in this role help streamline payment workflows, reduce transaction risks, and enhance overall operational efficiency. It requires strong analytical skills, attention to detail, and knowledge of payment systems and industry regulations.

What do payment operations do?

Payment operations professionals manage and oversee the processing of financial transactions within a company, ensuring payments are completed accurately and efficiently. They handle tasks such as transaction reconciliation, fraud prevention, compliance with regulations, and maintaining payment systems, often using tools like payment gateways and financial software.

What are the key skills and qualifications needed to thrive in the Payment Operations position, and why are they important?

To thrive in Payment Operations, you need strong analytical skills, attention to detail, and a background in finance or accounting, often supported by a bachelor's degree in a related field. Familiarity with payment processing platforms (such as ACH, SWIFT, or SEPA), ERP systems, and regulatory compliance tools is highly valuable. Exceptional organizational abilities, problem-solving skills, and clear communication help you collaborate effectively and navigate complex transactions. These competencies are crucial for fraud prevention, accurate reconciliation, and ensuring smooth, compliant financial operations.

What is the job description of a payment operations?

A payment operations professional manages the processing, reconciliation, and settlement of financial transactions to ensure accuracy and compliance. They monitor payment systems, troubleshoot issues, and work with banking partners and internal teams to optimize payment workflows, often using tools like payment processing software and adhering to security standards. Strong attention to detail and knowledge of financial regulations are essential for this role.
What are the most commonly searched types of Payment Operations jobs in California? The most popular types of Payment Operations jobs in California are:
What are popular job titles related to Payment Operations jobs in California? For Payment Operations jobs in California, the most frequently searched job titles are:
What job categories do people searching Payment Operations jobs in California look for? The top searched job categories for Payment Operations jobs in California are:
What cities in California are hiring for Payment Operations jobs? Cities in California with the most Payment Operations job openings:
Payment Operations jobs near you
Infographic showing various Payment Operations job openings in California as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $49,581 per year, or $23.8 per hour.
Payment Operations Manager

Payment Operations Manager

Cardless, Inc

San Francisco, CA • On-site

$150K - $180K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 4 days ago

Job description

At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity - we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
The Job
We're hiring a Payments Operations Manager to scale and operate the infrastructure behind Cardless's card programs.
This individual contributor role sits at the center of our payments ecosystem. Working with our key operational systems, managing external partners (processors, issuing banks, networks), and driving high-impact initiatives like processor integrations, program launches, and process improvements.
You'll balance hands-on operational execution with program-level ownership, ensuring our payments systems are reliable, scalable, and ready to support new products and partners. You'll identify the highest-leverage opportunities to automate, build the tooling (or spec it for engineering), and make sure our ops team can support 10x the volume without 10x the headcount.
Before You Apply
A few things worth knowing:
  • This is an IC role. You won't have direct reports. You'll be a high performing individual contributor embedded in a small, high-output payment ops team.
  • We work in the office 5 days a week. We know that's a dealbreaker for some people, and that's okay.
  • We move fast and operate with imperfect information. If you prefer fully defined problems and complete context before acting, this role may not be the right fit.
  • Fintech complexity is real. Credit cards sit at the intersection of product, compliance, fraud, and banking. You'll need to get fluent quickly and build that fluency into everything you create.

If that sounds like your kind of work, keep reading.
Impactful Role Scope & Responsibilities
You'll work on programs people care about. Coinbase. Bilt. Qatar Airways. These aren't test programs. They're products with real cardholders and real transaction volume.
  • Reimagine how we onboard and operate. You will own the automation of the card lifecycle workflows end-to-end by spotting manual pain points, designing smarter solutions, and partnering with Engineering to bring them to life.
  • Get close to the product and build cards people love, improving operations and strengthening partnerships to make great credit card experiences possible.

This role is about scale. Drive the scale of Cardless payment operations by building processes and systems that handle growing complexity and volume seamlessly as we expand to millions of cardholders.
  • Working directly in the payment operations world and analyzing tickets to uncover root causes and drive fixes that solve underlying problems, not just surface issues.
  • Operationalizing network mandates.Build intake and tracking processes, assessing impact, and coordinating implementation across Ops and Engineering to ensure nothing falls through the cracks.
  • Support the BPO and back-office operations strategy-scaling external partnerships while establishing SOPs, training and audit frameworks to ensure quality and consistency.

You'll be on the frontier of AI and automation in payments. Exception handling, reconciliation and monitoring are some of the highest-leverage areas in fintech today, and you'll be building those systems, not watching from the sidelines.
  • Build internal ops dashboards. Scope and deliver a unified view of card production, transaction exceptions, inventory levels and processor health-giving the team real-time visibility without relying on Engineering.
  • Leverage AI to design and evolve processes, SOPs, and tooling to eliminate manual work while improving reliability, and enabling real-time monitoring and reporting.

Requirements
  • 5+ years in payment or card operations (issuer, processor, or fintech)
  • Experience with card processors, reconciliation, and network file formats (Visa, Mastercard, Amex)
  • Strong SQL and comfort using data to diagnose issues and validate solutions
  • Experience building or improving operational tooling and automation
  • Knowledge of network mandates, BINs, and card lifecycle operations
  • Clear communicator across teams
  • Comfortable in fast-moving, ambiguous environments; fintech experience is a plus

Compensation
The expected cash compensation for this role is $150,000-$180,000 annually, plus equity and benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.
Benefits
We're proud to offer our team excellent benefits:
Meaningful startup equity
100% health, vision & dental primary coverage
+ 75% health, vision & dental dependent coverage
Catered lunches
$250/month commuter benefit
Parental leave
Team building events & happy hours
Flexible PTO with a minimum of 15 days off per year
Apple equipment
401k plan
Location
We're headquartered in San Francisco, CA. This role is in-office 5 days a week.

Apply