Intermediate Software Engineer

About this role

At Centrapay, we're revolutionising how you spend money both in-store and online. We allow businesses to create digital assets and loyalty programmes so that you can spend and be rewarded anywhere. Some of our partners include Coca-Cola, BNZ, and Farmlands, and we process payments in New Zealand and Australia.

Our payments platform is the heartbeat of what we do. On top of this, we're building our hero app, Payap ([www.payap.com](https://www.payap.com)), that brings all of our best capabilities to life.

👩‍💻 What you'll actually be working on

These aren't abstract responsibilities, these are real projects from our roadmap:

• **Building self-service tools that let partners create their own economies:** you'll be shipping flows that take a business from idea to live loyalty programme in under 10 minutes, with API abstractions that make complex economic systems feel like filling out a form.
• **Creating multiplayer money experiences in Payap:** the split payments flow that handles the mate who never pays you back, shared challenges that make transactions feel like achievements, and group payment UX that works when half your mates have Payap and half don't.
• **Building fraud detection that protects without blocking legitimate transactions:** designing signals that catch card testing attacks but not someone's $5.50 flat white, creating risk intelligence across thousands of merchants, and shipping monitoring that knows suspicious activity from lunch rush.

🏋️‍♀️ How we actually work

• **You build it, you run it, you own it:** Engineers at Centrapay ship features end-to-end and see them through production. When something breaks or could be better, you have the context and autonomy to fix it, no waiting for permission or handoffs to other teams.
• **Learn by building:** We give you business problems, not specs. "Partners need faster onboarding" is your starting point, and how you solve it is up to you. You'll do market research, run spikes, and explore the s...