Senior Fullstack Software Engineer, Ratepay

Salary not provided

MongoDB

AWS

Docker

JavaScript

Java

Kafka

Redis

Postgres

Kotlin

Vue.js

Spring

Maven

Git

SpringBoot

REST API

DevOps

Senior and Expert level

Berlin

Buy-now-pay-later payment solution

Open for applications

Buy-now-pay-later payment solution

101-200 employees

FintechB2BPaymentsFinancial ServicesSaaS

Open for applications

Salary not provided

MongoDB

AWS

Docker

JavaScript

Java

Kafka

Redis

Postgres

Kotlin

Vue.js

Spring

Maven

Git

SpringBoot

REST API

DevOps

Senior and Expert level

Berlin

101-200 employees

FintechB2BPaymentsFinancial ServicesSaaS

Company mission

To offer customisable payment solutions for large online retailers and marketplaces.

Job

Company

Role

Who you are

You have 6+ years of hands-on experience in Java backend development, with Kotlin being a plus
You possess solid frontend skills using Vue.js or another modern JavaScript framework
You are proficient in Spring/Spring Boot, Docker, Git, and Maven
You have experience building and deploying applications in cloud environments, preferably AWS
You have strong database knowledge, especially with PostgreSQL, and some familiarity with MongoDB or Redis is a plus
You understand RESTful APIs, OAuth2, event-driven architectures like Kafka, and microservices
Ideally, you are familiar with Kafka Streams and contract testing tools such as PACT
You are comfortable working in agile teams and embrace a DevOps mindset: “you build it, you run it.”
Experience in fintech or risk-related systems would be an additional advantage

What the job involves

At Ratepay, we develop next-generation payment solutions that power the checkout experience for some of Germany’s largest online retailers and marketplaces. As a Senior Software Engineer (m/f/d), you’ll play a key role in building secure, scalable, and user-friendly Buy Now, Pay Later products in a dynamic and fast-growing e-commerce sector
You’ll join a collaborative, agile team dedicated to enabling seamless commercial and technical onboarding of merchants, marketplaces, and resellers. Our focus is on modern integrations, fast onboarding, and intuitive configuration—making it easy for merchants to go live quickly while also improving the experience for internal Ratepay teams involved in the process
You take ownership of the design, development, operation and continuous improvement of our systems, ensuring high performance and stability
You integrate internal and external APIs within a modern microservice architecture, with scalability and maintainability in mind
You contribute actively to our agile software engineering process, collaborating with cross-functional teams including Product, Infrastructure, and Risk
You mentor and support junior engineers, sharing knowledge and fostering a culture of learning and growth
You bring in your ideas and technical experience to continuously challenge the status quo and drive innovation within the team
You will be responsible for operational success of the teams services also being on call

Our take

The rise of eCommerce has increased the demand for flexible and reliable payment solutions. Consumers seek convenience and security in online transactions, while merchants need systems that enhance customer loyalty. Traditional payment methods often fail to meet these expectations, leading to lost sales and customer dissatisfaction.

Ratepay addresses this problem by offering "Buy Now, Pay Later" (BNPL) solutions. Its white-label payment system integrates into merchants' online shops, allowing customers to make purchases on account, in instalments, or via direct debit without leaving the brand's site.

Supported by a robust infrastructure and a commitment to customised solutions, Ratepay has become a leader in the BNPL market. And its successful collaborations with various eCommerce platforms and financial service providers position it well for continued growth.

Freddie

Company Specialist at Welcome to the Jungle

Insights

Led by a woman

Top investors

Glassdoor (4)

Trustpilot (3)

Company

Company HQ

Kreuzberg, Berlin, Germany

Leadership

Miriam Wohlfarth

(Founder)

Founder and Co-CEO of Banxware as well as a Board Member at Freenet, 42 Heirloom, Mercedes-Benz Automobility, Talentsconnect, and the German Startups Association.

Sabrina Flunkert

(CEO & Managing Director)

Initially joined Ratepay as Managing Director/CFO, becoming CEO in 2024.

Salary benchmarks

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