Staff Software Engineer - FinTech

About Toast

Toast builds digital tools that help restaurants and local businesses run more effectively. Its platform is designed to support owners with operations, sales growth, guest engagement, and team satisfaction through a combination of cloud software and restaurant-focused hardware.

The company values unconventional thinking, varied backgrounds, and lived experience. Its mission is to help restaurants of every size strengthen their teams, increase revenue, improve day-to-day operations, and create better guest experiences.

About the FinTech Team

The FinTech organization powers one of the most important parts of Toast’s infrastructure: payment processing. This system handles payments for restaurants, makes sure funds are delivered promptly, and supports a major part of the company’s revenue. The team processes millions of dollars in transactions every day.

This role sits on the Payments team and focuses on building a unified payment processing solution. The platform is intended to provide a single integrated service for accepting payments across channels, support configurable enterprise needs, and follow a build-once, available-to-all approach for both current and future payment methods.

Role Overview

As a Staff Software Engineer, you will contribute to the design and delivery of core and supporting services around Toast’s payment processing platform. You will help shape technical direction, work closely with cross-functional partners, and improve the reliability, scalability, and quality of payment products.

Responsibilities

• Design, build, and ship features for Toast’s payments products.
• Create and maintain automated test coverage and other engineering practices that support high-quality releases.
• Launch customer-facing features and monitor their performance after rollout.
• Work with product management and UX to define and shape new capabilities.
• Partner with multiple teams across Toast to share knowledge and align on technical solutions.
• Collaborate with experienced engineers on design reviews and code reviews.

Requirements

• At least 8 years of experience building strong backend services.
• Proven ability to operate as a technical leader and coach junior engineers on architecture, design, coding, testing, and deployment practices.
• Experience building scalable, secure APIs that connect with internal and external systems.
• Working knowledge of API lifecycle management, including versioning, documentation, and deprecation planning.
• Hands-on experience with microservices and container-based systems to improve scalability and maintainability.

Preferred Qualifications

• Experience with DynamoDB or PostgreSQL.
• Strong Kotlin skills, or Java experience with willingness to learn Kotlin, plus familiarity with Kotlin libraries and frameworks.
• Exposure to modern data platforms and patterns such as event sourcing, OLAP, ETL/ELT, and streaming data.
• Background in designing payment APIs.
• Understanding of PCI-DSS.
• Comfort using AI-assisted development tools and workflows such as Claude Code, GitHub Copilot, Codex, or similar tools.

Additional Information

Toast uses a hybrid working model that combines in-person collaboration with flexibility for individual needs. The company’s approach may vary by region.

Toast also emphasizes diversity, equity, and inclusion as part of its culture and hiring philosophy.

The company supports accessibility in its hiring process and offers reasonable accommodations for candidates with disabilities who need help accessing the application or interview process. Requests can be made by contacting candidateaccommodations@toasttab.com.

For roles in the United States, Massachusetts law prohibits requiring or administering a lie detector test as a condition of employment or continued employment.

The company also notes that AI tools are used in recruiting to assist with note-taking, summarization, and interview documentation, while final hiring decisions remain human-led.

Toast has a strong interest in learning and using AI tools to improve speed, independence, and quality across functions.