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SpotOn is a restaurant technology platform offering award-winning point-of-sale systems and AI-powered profit tools for independent restaurants. As Product Manager for Payments, you will own the complete strategy and execution of SpotOn's payments ecosystem, spanning card-present and card-not-present acceptance, transaction processing, routing, settlement, and merchant funding.
Your primary responsibilities include defining the end-to-end payments roadmap across hospitality use cases (table service, counter service, bars, quick-service, multi-location groups), translating complex payment flows into intuitive merchant experiences, and monitoring key performance metrics including authorization rates, chargebacks, declines, disputes, latency, and reconciliation accuracy. You will partner with risk, compliance, and security teams to ensure adherence to network rules and PCI DSS standards, and work with GTM to position payment capabilities that differentiate SpotOn in the hospitality market.
You will also collaborate with money movement and remittance teams to ensure accurate, timely merchant settlement with transparent fee and chargeback handling. This includes feeding payment product decisions (routing, interchange optimization, surcharging) back into funding workflows to keep merchant payouts predictable and explainable.
As the primary product point of contact for payments across SpotOn, you will act as a cross-functional leader, aligning stakeholders around a clear vision and roadmap, facilitating decision-making that balances technical constraints with regulatory and merchant needs, and mentoring adjacent product teams on payment best practices. You will communicate trade-offs, risks, and progress to executives while driving a culture of accountability and ownership.
Required qualifications include 5+ years of product management experience with at least 3 years focused on payments, fintech, or financial services. You need demonstrated product leadership ability, deep understanding of card-present and card-not-present payment flows (authorization, capture, clearing, settlement, tokenization, risk, chargebacks), and working familiarity with merchant processing economics (interchange, scheme fees, settlement). Experience with payment processors, acquirers, gateways, or card networks—ideally in platform or multi-tenant environments—is essential. Strong analytical skills, comfort with large payment datasets, and proven success shipping complex technical products requiring deep engineering and operations collaboration are required.
