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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 ecosystem, 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-focused platform, ensuring reliability, security, compliance, and an excellent merchant experience.
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, white label loyalty) are presented and accepted, with metrics to measure acceptance health.
- Translating complex payment flows into simple, intuitive experiences for merchants and staff (refunds, tips, adjustments, partial authorizations, offline/stand-in authorization).
- Monitoring and improving key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through data-driven experimentation.
- Partnering with risk, compliance, and security teams to ensure adherence to network rules and PCI DSS compliance.
- 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 the primary product point of contact for payments, aligning stakeholders around a clear 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 of product management experience with at least 3 years focused on payments, fintech, or financial services. Demonstrated product leadership with ability to set vision, influence stakeholders, and rally teams. Deep understanding of card-present and card-not-present payments, including 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, ideally in platform/multi-tenant environments. Strong analytical skills with comfort working with large payment datasets, building dashboards, and defining KPIs. Proven success shipping complex technical products requiring deep engineering and operations collaboration. Excellent written and verbal communication skills.
