Product Manager (Payments)
About SpotOn
We’re not just building restaurant tech, we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.
Named the #1 Restaurant POS by G2 (Summer 2026), based on ratings from real usersRated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra usersAwarded Great Places to Work and Built In’s Best Workplaces for multiple years running
About The Role
As the Product Manager in Payments, you will own the strategy and execution for SpotOn’s end-to-end payments experience—spanning card-present and card-not-present acceptance, transaction processing, routing, and the downstream flows that get merchants paid.
- Own the end-to-end product roadmap for payments across card-present and card-not-present environments, with a focus on hospitality use cases like table service, counter service, bars, quick-service, and multi-location groups.
- Define how each payment media type is presented and accepted—chip, contactless, digital wallets, ecommerce tokens, and white label loyalty—and set the metrics that measure acceptance health.
- Translate complex payment flows into simple, intuitive experiences for merchants and their staff (refunds, tips, adjustments, partial authorizations, and offline/stand-in authorization).
- Monitor and improve key payment performance metrics—authorization rates, chargebacks, declines, disputes, latency, reconciliation accuracy—through rigorous data-driven experimentation.
- Partner with risk, compliance, and security to ensure adherence to network rules and PCI DSS, and with GTM to package and position payment capabilities that differentiate SpotOn for hospitality.
- Lead discovery with external processors, acquirers, gateways, and partners to evaluate new capabilities, routing options, and cost-optimization opportunities.
Responsibilities
- Payments Strategy & Execution:
- Partner with money movement and remittance teams to ensure merchant processing funds settle on time, with accurate fees, adjustments, and chargeback handling reflected in merchant-facing reporting.
- Feed payment product decisions (routing, interchange optimization, surcharging/dual pricing) back into funding and remittance workflows so merchant payouts stay predictable and explainable.
Cross-Functional Leadership
- Act as the primary product point of contact for payments across SpotOn, aligning stakeholders around a clear vision, roadmap, and success metrics.
- Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions.
- Communicate clearly and consistently with executives and senior leaders on trade-offs, risks, dependencies, and progress for payment initiatives.
- Mentor and influence peers and adjacent product teams on payment best practices, shared capabilities, and platform standards to avoid fragmentation and duplicate solutions.
- Contribute to a culture of accountability, urgency, and ownership, ensuring that cross-functional teams deliver high-quality releases on time and learn quickly from launches.
Qualifications
- 5+ years of product management experience, with at least 3 years focused on payments, fintech, or closely related financial services products.
- Demonstrated product leadership—able to set a clear vision, influence senior stakeholders, make confident trade-offs under ambiguity, and rally engineering, design, and GTM teams around shared outcomes.
- Deep understanding of card-present and card-not-present payments, including authorization, capture, clearing, settlement, tokenization, risk, and chargeback flows.
- Experience working with payment processors, acquirers, gateways, or card networks, ideally in a platform or multi-tenant merchant environment.
- Strong analytical skills, including comfort working with large payment datasets, building dashboards, defining KPIs, and using data to drive prioritization and experimentation.
- Proven success shipping complex, technical products that require deep collaboration with engineering and operations teams.
- Excellent written and verbal communication skills, with the ability to explain complex payment concepts to both technical and non-technical audiences.
- Customer-centric mindset with experience conducting discovery, user interviews, and feedback sessions with merchants or similar B2B customers.
- High degree of ownership, bias toward action, and ability to manage multiple initiatives in parallel in a fast-paced, high-growth environment.
Compensation
Our base pay range starts at $180,000 -$225,000/year for this role
Please note the salary range listed is just one component of a competitive compensation package which includes a company stock plan
Offers will be reflective of the candidate’s location and experience.
Benefits
- Medical, Dental and Vision Insurance
- 401k with company match
- RSUs
- Paid vacation, 10 company holidays, sick time, and volunteer time off
- Employee Resource Groups to build community and inclusion at work
- Monthly cell phone and internet stipend
- Tuition reimbursement for up to $2,000 per calendar year to assist with your professional development
SpotOn is an equal employment opportunity employer
Qualified candidates are considered for employment without regard to race, religion, gender, gender identity, sexual orientation, national origin, age, military or veteran status, disability, or any other characteristic protected by applicable law.