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Software Engineer, Payments Engineering

Apple

Software Engineer, Payments Engineering

Apple

Austin, TX

·

On-site

·

Full-time

·

Today

At Apple, great ideas quickly become extraordinary products, services, and experiences that touch millions of lives. The Apple Gift Card team is redefining how people connect, share, and celebrate-transforming gifting into a seamless, secure experience that spans the entire Apple ecosystem.

We're looking for a skilled and curious software engineer to help build the future of gifting, where every purchase, redemption, and moment of joy is powered by innovation and thoughtful design.

Description

As a member of the Payments Engineering organization, you'll design and build distributed systems that support secure, high-volume payment and gifting experiences worldwide. Our platforms process transactions at global scale, ensuring reliability, privacy, and delight in every interaction.

You'll be part of a team that owns the full product lifecycle-from architecture and implementation to deployment, observability, and on-call operations. In this role, you'll collaborate across Apple's engineering, design, and product teams to deliver exceptional software that seamlessly integrates into Apple's ecosystem.

","responsibilities":"Design, build, and maintain scalable backend services powering Apple Gift Card experiences

Architect secure, high-performance APIs and services that handle millions of transactions globally

Collaborate cross-functionally with teams across Apple to integrate with core financial and commerce systems

Implement monitoring, logging, and alerting to ensure reliability and visibility in production environments

Participate in code reviews, design discussions, and on-call rotations to maintain system health and quality

Continuously improve system performance, developer experience, and operational excellence

If you're passionate about building secure, elegant, and scalable systems that solve real-world problems, we'd love to have you join us.

Preferred Qualifications

Master's degree in Computer Science or related discipline

Strong understanding of security, privacy, and cryptographic principles (e.g., encryption, tokenization, key management)

Experience with DevOps practices, CI/CD pipelines, and cloud-based infrastructure

Hands-on experience using observability and monitoring platforms

Experience using generative AI tools to enhance software engineering productivity and workflows

Minimum Qualifications

5+ years of professional backend software engineering experience, with demonstrated proficiency in Java, Kotlin, or similar object oriented programming languages

Proven ability to design, build, and operate distributed systems at scale in production environments

Proficiency with relational (SQL) and NoSQL databases

Clear, thoughtful communication across code reviews, documentation, and cross-functional collaboration

Bachelor's degree in Computer Science or related field, or equivalent practical experience

Apple is an equal opportunity employer that is committed to inclusion and diversity. We seek to promote equal opportunity for all applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about your EEO rights as an applicant .

Pay & Benefits

At Apple, base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay range for this role is between $147,400 and $272,100, and your base pay will depend on your skills, qualifications, experience, and location.

Apple employees also have the opportunity to become an Apple shareholder through participation in Apple's discretionary employee stock programs. Apple employees are eligible for discretionary restricted stock unit awards, and can purchase Apple stock at a discount if voluntarily participating in Apple's Employee Stock Purchase Plan. You'll also receive benefits including: Comprehensive medical and dental coverage, retirement benefits, a range of discounted products and free services, and for formal education related to advancing your career at Apple, reimbursement for certain educational expenses - including tuition. Additionally, this role might be eligible for discretionary bonuses or commission payments as well as relocation. Learn more about Apple Benefits.

Note: Apple benefit, compensation and employee stock programs are subject to eligibility requirements and other terms of the applicable plan or program.

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About Apple

Apple

Apple

Public

Apple Inc. is an American multinational technology company headquartered in Cupertino, California, in Silicon Valley, best known for its consumer electronics, software and online services.

10,001+

Employees

Cupertino

Headquarters

$3.5T

Valuation

Reviews

3.9

10 reviews

Work-life balance

2.5

Compensation

4.2

Culture

3.8

Career

3.5

Management

3.2

72%

Recommend to a friend

Pros

Great benefits and compensation

Talented colleagues and supportive teams

Learning opportunities and mentorship

Cons

Work-life balance challenges

High stress and pressure

Fast-paced environment

Salary Ranges

11,365 data points

L2

L3

L4

L5

L6

L2 · Business Analyst L2

0 reports

$114,215

total per year

Base

$45,686

Stock

$57,108

Bonus

$11,422

$79,951

$148,480

Interview experience

3 interviews

Difficulty

3.3

/ 5

Duration

28-42 weeks

Offer rate

33%

Experience

Positive 33%

Neutral 0%

Negative 67%

Interview process

1

Application Review

2

Recruiter Screen

3

Technical Phone Screen

4

Onsite/Virtual Interviews

5

Team Matching

6

Offer

Common questions

Coding/Algorithm

System Design

Behavioral/STAR

Technical Knowledge

Past Experience