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SpotOn is a restaurant technology platform providing point-of-sale systems and AI-powered profit tools to independent restaurants. The company is ranked #1 Restaurant POS by G2 and has been recognized as a Great Place to Work.
As Product Manager for Payments, you will own the complete strategy and execution of SpotOn's payments experience, including card-present and card-not-present acceptance, transaction processing, routing, settlement, and merchant funding. You will define how payments are presented, authorized, captured, settled, and funded across the hospitality ecosystem while ensuring reliability, security, and regulatory compliance.
Key responsibilities include:
- Owning the end-to-end payments product roadmap across card-present and card-not-present environments, with focus on hospitality use cases (table service, counter service, bars, quick-service, multi-location groups).
- Defining how payment media types (chip, contactless, digital wallets, ecommerce tokens, loyalty) are presented and accepted, with metrics for acceptance health.
- Translating complex payment flows into intuitive merchant experiences (refunds, tips, adjustments, partial authorizations, offline authorization).
- Monitoring and improving payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through data-driven experimentation.
- Partnering with risk, compliance, and security teams on network rules and PCI DSS adherence, and with GTM on payment capability positioning.
- Leading discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities and cost-optimization opportunities.
- Partnering with money movement and remittance teams to ensure accurate, timely merchant settlement with transparent fee and chargeback handling.
- Acting as primary product point of contact for payments, aligning stakeholders around vision, roadmap, and success metrics.
- Facilitating cross-functional decision-making and communicating trade-offs, risks, and progress to executives.
- Mentoring adjacent product teams on payment best practices and platform standards.
Required qualifications: 5+ years product management experience with at least 3 years in payments, fintech, or financial services. Deep understanding of card-present and card-not-present payments, authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows. Working familiarity with merchant processing economics (interchange, scheme fees, settlement). Experience with payment processors, acquirers, gateways, or card networks in platform/multi-tenant environments. Strong analytical skills with payment datasets, dashboards, KPIs, and data-driven experimentation. Proven success shipping complex technical products requiring deep engineering and operations collaboration. Excellent written and verbal communication skills.
