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Payments Architect Jobs (NOW HIRING)

Maxana

Payments Integration Architect (Principal Level)

$72.50 - $93.50/hr

We are looking for a Principal Payments Integration Architect to lead technical design and delivery of payment integrations for MaxanaPay clients. * This role often client-facing and focuses on ...

Genesis10

Solutions Architect - Hybrid

Columbus, OH · Hybrid

$85 - $100/hr

This role is focused on end-to-end payments architecture , emphasizing real-world experience designing, scaling, and optimizing high-volume payment platforms across card, ACH, wire, and real-time ...

Redbridge

Payments Expert (Merchant Card)

Houston, TX · On-site

Through deep analytics, market benchmarking, commercial negotiation support, and payments architecture design, Redbridge helps clients improve margins, enhance customer experience, reduce risk, and ...

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Payments Architect information

See salary details

$46.5K

$128.8K

$201.5K

How much do payments architect jobs pay per year?

As of Sep 10, 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.

Executive Director - Principal Architect | eComm Payments

Plano, TX • On-site

JPMorgan Chase & Co
Finance and Insurance • 10K+ employees
Learn more about JPMorgan Chase & Coexternal

Full-time

Medical, Retirement

Re-posted 5 days ago

JPMorgan Chase & Co. rating

7.9

Company rating: 7.9 out of 10

Based on 500 frontline employees who took The Breakroom Quiz

79th of 176 rated banks

Job description

Step into the role of a Principal Architect at JPMorganChase and become a driving force behind the development and adoption of cutting-edge, cloud-based eCommerce payment technologies.

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 eCommerce payment solutions. You will partner with business and technology leaders to shape the digital transformation of merchant acquiring capabilities - spanning online checkout experiences, payment gateway architecture, partner integrations, and developer-facing APIs. Leverage your advanced architecture capabilities and collaborate with colleagues across the organization to drive best-in-class outcomes for merchants and clients worldwide.

Job responsibilities

  • Advise cross-functional business and technology stakeholders on design approaches, technology selection, and target state architecture to meet the evolving demands of global eCommerce merchant payment platforms
  • Develop multi-year roadmaps aligned with eCommerce payment strategy, including online checkout optimization, payment gateway modernization, digital onboarding, client self-service, and developer experience
  • Apply enterprise-authorized AI capabilities within the work environment to accelerate architecture analysis, roadmap development, and design decisioning, with human-in-the-loop validation and appropriate handling of sensitive data
  • Define strategy and technical delivery roadmaps for eCommerce product go-to-market, translating complex merchant acquiring requirements into scalable, cloud-native architecture decisions
  • Establish reuse-first, AI-enabled engineering patterns and governance across the software development lifecycle and toolchain practices, ensuring traceability, auditability, resiliency, and security controls
  • Participate in architecture governance bodies, evaluating recommendations and providing feedback on eCommerce business needs and options to accelerate time to market
  • Lead evaluation sessions with external vendors, payment technology startups, and internal teams to assess architectural designs, technical credentials, and applicability within the eCommerce payments ecosystem
  • Identify opportunities to modernize eCommerce platform capabilities, eliminate recurring issues, and automate remediation to improve overall operational stability and merchant experience
  • Present and communicate eCommerce architecture strategies, decisions, and roadmaps effectively to senior leaders and executives

Required qualifications, capabilities, and skills

  • Formal training or certification on architecture concepts and 10+ years applied experience
  • Hands-on practical experience delivering system design, application development, testing, and operational stability within eCommerce or merchant acquiring payment environments
  • Deep knowledge of eCommerce payment flows, including online checkout, payment gateway architecture, tokenization, fraud prevention, and merchant integration patterns
  • Strong experience with web developer frameworks, web architecture, mobile frameworks, and API standards - including RESTful and event-driven design - specific to eCommerce payment platforms
  • Strong experience with identity and access management, including secure partner integration via APIs and web-based authentication frameworks within payment ecosystems
  • Demonstrated experience applying enterprise-authorized AI capabilities within architecture and engineering workflows, with strong validation habits and awareness of data sensitivity
  • Experience leading a product as a product owner or product manager, including defining eCommerce business capabilities, feature taxonomies, and technical delivery roadmaps
  • Deep knowledge of software, applications, and architecture disciplines including cloud, artificial intelligence, machine learning, and mobile within a payments context
  • Ability to present and effectively communicate complex eCommerce architecture concepts to senior leaders and executives

Preferred qualifications, capabilities, and skills

  • Strong experience delivering ecommerce merchant payments and value added solutions within acquiring space.

  • Strong understanding of various eCommerce clients such as submitters, aggregators, payment facilitators and marketplaces.

  • Strategic mindset in acquiring payments business -includes value added services for optimizing payments, risk, vault, token for Ecommerce use cases.

  • Experience with in-store or omnichannel payment architectures that complement eCommerce platforms and partner integration patterns.

  • Familiarity with payment industry standards and compliance frameworks relevant to eCommerce (e.g., PCI-DSS, 3DS, encryption, Open Banking)


 

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. 

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