Greenhouse ·
full-timeSoftware Engineer, Payments
Gusto · New York, NY - Hybrid; San Francisco, CA - Hybrid
Gusto is a payroll, benefits and HR platform that supports hundreds of thousands of small businesses across the United States. The Payments group builds and operates the systems that move money between employers, employees, government agencies and partners, and is currently re‑architecting its platform for speed and scale. As a senior software engineer on this team, you will design, develop and test infrastructure that enables new payment experiences, help scale one of the world’s largest Ruby on Rails and TypeScript/React codebases, and work with product, design, data science and operations to solve ambiguous, high‑impact problems. The role involves making architectural decisions focused on modularity and fault‑tolerance, mentoring junior engineers, and ensuring production code is maintainable and well documented. The position suits engineers with seven or more years of experience building mission‑critical, distributed systems, a strong grasp of test‑driven development, and the ability to communicate complex technical trade‑offs. Familiarity with payments or accounting domains and experience with Ruby on Rails, TypeScript and React are especially valuable.
About Gusto At Gusto, we're on a mission to grow the small business economy. We handle the hard stuff — payroll, health insurance, 401(k)s, and HR — so owners can focus on their craft and their customers. With teams in Denver, San Francisco, and New York, we support more than 500,000 small businesses nationwide and are building a workplace that reflects the people we serve. All full-time employees receive competitive base pay, benefits, and equity (RSUs) — because everyone who helps build Gusto should share in its success. Offer amounts are determined by role, level, and location. Learn more about our Total Rewards philosophy . AI is a fundamental part of how work gets done at Gusto. We expect all team members to actively engage with AI tools relevant to their role and grow their fluency as the technology evolves. AI experience requirements vary by role and will be assessed during the interview process. About the Role: We’re hiring seasoned engineers to join our teams that work on core platform capabilities, improving our existing systems for extensibility and scalability, and building the future of Gusto's Payments platform. As a Gusto Software Engineer at this level, you’ll be guiding projects end-to-end by driving large technical architectural decisions (focusing on scale and modularity), understanding how to take existing systems closer to desired end states, executing on projects, and maintaining code that powers core experiences. If you’re interested in building elegant software with far-reaching effects in our modern economy, join us! About the Team: Payments is responsible for all of the money management and movement operations that are used by our customers across a suite of businesses that all depend on money being moved safely between partners, employers, employees, government authorities and Gusto. In order to enable growth for Gusto and our customers, the Payments organization is responsible for defining best-in-class user experiences in order to enable delightful user experiences that benefit small businesses and their employees alike! The Payments team will be completely re-architecting the payments platform at Gusto to be able to move money fast and at scale. Here’s what you’ll do day-to-day: Design, build, and test the infrastructure that enables our Payments teams and Risk policy and experience teams to efficiently build unique, custom tailored experiences for any existing or emerging products Gusto offers its customers Help scale one of the largest Ruby/Rails and TypeScript/React applications in the world Collaborate on complex and ambiguous problems with partnerships from Engineering, Product Management, Design, Data Science, Operations, and other cross-functional teams Build the software platform that powers multiple 1st and 3rd party products and serves millions of businesses. Mentor and grow fellow engineers working to create holistic and scalable solutions Here’s what we're looking for: Successful applicants have at least 7+ years of experience and the enthusiasm for a collaborative, test-driven environment Experience building fault-tolerant, mission-critical software as well as designing and developing robust, distributed systems using multiple general-purpose programming languages Experience influencing and guiding the work of multiple teams on scaling, refactoring, and optimizing legacy products Experience architecting, building, and testing large-scale production level code that is maintainable, structured, and well-documented An aptitude and interest in bringing clarity and simplicity to complex and ambiguous problems Ability to communicate technical complexity and help facilitate informed tradeoffs Experience in one of these domains is highly preferred: Payments and/or Accounting systems Bonus: Experience with Ruby on Rails, Typescript, and React Our cash compensation amount for this role is targeted at $183,000-$200,000 /yr in Denver & most remote locations, and $222,000-$245,000 /yr for San Francisco, Seattle & New York. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above. At Gusto, we don't use titles the traditional way, as a signal of rank or hierarchy. Instead, our titles describe two things at once — your craft (what you do, e.g. Engineering, Design) and your scope of ownership (what you're accountable for) — which is why you'll see something like "Head of X" instead of a rank word like "Director" that tells you neither. Because of this, the title on this posting may look different from what you'd expect based on the scope and seniority of the role, and from how similar roles are typically titled elsewhere. If you have questions about how this role compares to your current title or level, your recruiter can help translate. Gusto has physical office spaces in Denver, San Francisco, and New York City. Employees who are based in those locations will be expected to work from the offi
| Role | Software Engineer, Financial Data & Payments |
|---|---|
| Company | Gusto |
| Location | New York, NY - Hybrid; San Francisco, CA - Hybrid |
| Type | contract |
| Compensation | Not disclosed |
| Posted | 2026-10-20 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4Software Engineer, Payments at Gusto: frequently asked questions
- What is the salary for this role?
- Gusto has not stated compensation in the listing. Check the original posting or ask during the application process.
- Is the Software Engineer, Payments position remote, hybrid or onsite?
- The listing gives New York, NY - Hybrid; San Francisco, CA - Hybrid as the location and does not state a work mode.
- What is the application deadline?
- Gusto has not listed a fixed deadline, so apply early in case the opening is filled.
- How do I apply for the Software Engineer, Payments role?
- Use the Apply button on this page. It opens the original listing on job-boards.greenhouse.io, where you submit your application with the company.
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