ZipRecruiter

Log In

1

Payments Architect Jobs (NOW HIRING)

Perficient

Senior Payments Architect

Saint Louis, MO · On-site

The Senior Payments Architect will provide technology direction, ensures project implementation compliance, and utilizes technology research to innovate, integrate, and manage technology solutions.

Apple

Software Architect - Payments

Cupertino, CA

$216K - $324K/yr

This is a rare opportunity to define the architecture that underpins Apple's payment platform, enabling secure, reliable, and scalable financial transactions across Apple's global ecosystem. At Apple ...

Lorven Technologies

Payment Architect

Miami, FL · On-site

$60.25 - $79.25/hr

The Enterprise Solutions Architect (Payments Platform) will leverage and use technology solutions to enable the organization's future-state business capabilities that, in turn, drive the organization ...

IntraEdge

Architect I Premium

Phoenix, AZ · On-site

Payment Architect Engineer II Premium A payment architect is responsible for designing, developing, and implementing payment solutions for various platforms and applications. They work closely with ...

Navtech, Inc.

Cloud Solutions Architect

Boston, MA · On-site

$69.25 - $94.75/hr

Cloud Solutions Architect with Payments Architecture (Swift, Fedwire, ACH) Experience Location: Boston MA - Hybrid Duration : 6+Months Roles and responsibilities: • Partnering with the business to ...

Maxana

Lead Engineer / Payment Architect

$56.50 - $77.50/hr

Payments / Fintech / eCommerce Infrastructure About the Project We are leading a modernization ... This role will architect and lead integration efforts involving: * Payment gateway orchestration

Hitachids

Power BI Architect-67189

Dover, DE · On-site

$125 - $150/hr

Architect domain‑aligned datasets for Procure‑to‑Pay (requisitions, purchase orders, invoices, payments). * Architect domain‑aligned datasets for Inventory & Warehousing (receipts, transfers ...

Fairygodboss

Principal Architect - eComm Payments

Plano, TX · On-site

$200 - $250/hr

As a Principal Architect at JPMorganChase within the Commercial & Investment Bank(Payments Technology), you provide deep domain expertise to design and evolve architecture platforms that power global ...

Galent

Salesforce Technical Architect

Morristown, NJ · On-site

$71 - $88/hr

Architect integrations with payment gateways, processors, and ERP platforms. * Define solutions supporting invoice payments, payment status tracking, transaction history, ACH and credit card ...

next page

Showing results 1-20

All JobsFinance And Insurance JobsAccounting JobsAccounting Professional JobsPayments Architect Jobs

Payments Architect information

See salary details

$46.5K

$128.8K

$201.5K

How much do payments architect jobs pay per year?

As of Sep 9, 2026, the average yearly pay for payments architect in the United States is $128,756.00, according to ZipRecruiter salary data. Most workers in this role earn between $91,000.00 and $166,000.00 per year, depending on experience, location, and employer.

What is a payments architect?

A Payments Architect is a specialized technology professional responsible for designing and overseeing the technical architecture of payment systems within an organization. They ensure payment platforms are secure, scalable, and compliant with industry regulations, integrating various payment methods and gateways. Payments Architects collaborate with development, security, and compliance teams to create seamless and efficient payment experiences for customers. Their expertise is crucial for businesses that process large volumes of transactions and require robust payment solutions.

How does a payments architect typically collaborate with cross-functional teams to design secure payment solutions?

Payments Architects work closely with product managers, developers, compliance officers, and security experts to design and implement payment systems that are robust and secure. They are responsible for translating business requirements into technical specifications, ensuring that all payment flows comply with industry standards such as PCI DSS. Regular meetings and design workshops are common, allowing Payments Architects to gather input, address challenges, and align on integration points. This collaborative approach helps deliver scalable solutions that meet both user needs and regulatory requirements.

What are the key skills and qualifications needed to thrive as a payments architect, and why are they important?

To thrive as a Payments Architect, you need a deep understanding of payment processing systems, strong software architecture experience, and familiarity with industry regulations like PCI DSS. Expertise with APIs, cloud platforms, payment gateways, and knowledge of technologies such as ISO 20022 and blockchain is often required. Exceptional problem-solving abilities, effective communication, and stakeholder management make someone stand out in this position. These skills are crucial for designing secure, scalable, and compliant payment solutions that enable seamless financial transactions.

What is the difference between Payments Architect vs Payments Analyst?

AspectPayments ArchitectPayments Analyst
Required CredentialsBachelor's in IT, Finance, or related field; certifications like PMP or CBAPBachelor's in Finance, Business, or related; certifications like PMI-PBA
Work EnvironmentDesigns payment systems, collaborates with IT and product teamsAnalyzes payment data, monitors transactions, reports on payment performance
Employer & Industry UsageFinancial institutions, payment service providers, fintech companiesBanking, retail, e-commerce sectors

The Payments Architect focuses on designing and implementing payment systems, requiring technical and project management skills. In contrast, the Payments Analyst primarily analyzes payment data and transaction performance to optimize processes. Both roles are vital in the payments industry but serve different functions within organizations.

What cities are hiring for Payments Architect jobs?

Cities with the most Payments Architect job openings:

What are popular job titles related to Payments Architect jobs?

For Payments Architect jobs, the most frequently searched job titles are:

Infographic showing various Payments Architect job openings in the United States as of August 2026, with employment types broken down into 60% Full Time, 39% Part Time, and 1% Contract. Highlights an 67% Physical, 2% Hybrid, and 31% Remote job distribution, with an average salary of $128,756 per year, or $61.9 per hour.

Payments Architect

Jersey City, NJ • On-site

Noblesoft Technologies
Software Development • 51 - 200 employees
Learn more about Noblesoft Technologiesexternal

Contractor

Re-posted 25 days ago

Job description

Position: Senior Payments Architect
Location: Jersey City, NJ
 

Role Overview

We are seeking a highly experienced Senior Payments Architect to lead the architectural vision, design, and implementation of Citi’s next-generation payments infrastructure. This role requires a seasoned professional with deep expertise in global payments systems, modern architecture patterns, and regulatory compliance frameworks.

The Payments Architect will work closely with the Head of Payments, senior stakeholders, product managers, and engineering teams to evaluate Citi’s current payment platforms, identify gaps, and propose scalable, secure, and high-performing solutions aligned with global payment trends.

Key Responsibilities

Architecture Leadership

o          Define the end-to-end payments architecture strategy, ensuring scalability, resiliency, and global adoption.

o          Evaluate existing systems and recommend modernization strategies for improved performance, security, and compliance.

o          Drive architectural consistency across payment platforms, APIs, and digital channels.

Payments Domain Expertise

o  Provide deep subject-matter expertise on instant payments, real-time settlement systems, and cross-border payments.

o   Align Citi’s payment platforms with global instant payment rails (FedNow, RTP, SEPA Instant, UPI, & Processing, Liquidity Management, Data Warehousing and core Cash Management of large MNC clients

o  Build architecture for Open Banking & API ecosystems, enabling seamless integrations with third-party fintechs and partners 

Innovation & Emerging Technologies

o   Lead initiatives in Blockchain & Tokenization (e.g., Citi Token Services).

o   Explore AI-driven compliance, fraud prevention, and personalization use cases.

o    Implement cloud-native architectures, microservices, and event-driven designs for payment services.

Governance & Quality

o    Review code quality, system design, and technical debt within payments platforms.

o     Establish best practices for development, integration, and testing across distributed teams.

o    Ensure adherence to regulatory requirements (AML, KYC, PSD2, GDPR, ISO 20022).

Stakeholder Management

o   Partner with global business heads, operations, and compliance teams to ensure architectural alignment with strategic objectives.

o   Collaborate with vendors, fintech partners, and external regulators to shape payments innovation.

Key Skills & Competencies

Core Payments Expertise

o          Strong knowledge of domestic and cross-border payments, ACH, SWIFT, ISO 20022, RTP, SEPA, Fedwire.

o  Experience with card processing, merchant acquiring, wallets, and tokenization.

Technology & Architecture

o   Proficiency in API-first design, microservices, cloud (AWS/Azure/GCP).

o   Strong understanding of event-driven systems (Kafka, MQ, etc.).

o   Knowledge of Blockchain, DLT, and digital currency frameworks.

Leadership

o          Proven track record of architecting enterprise-grade payment platforms.

o          Ability to lead large, distributed engineering teams and mentor solution architects.

o          Strong communication and stakeholder influencing skills