Backend Engineer - Money Transfers

SumUp builds simple, affordable financial tools that help over 4 million small businesses across 37 markets get paid, manage their money, and grow. Beyond card payments, we offer a full suite of financial products - business banking, lending, invoicing, and money transfers - giving merchants everything they need in one place. We're a global fintech with over 3,000 people across 20+ offices, and Sofia has been one of our most important engineering hubs since the very beginning. Our Transfers Excellence squad sits within SumUp's Global Bank , and owns the core services that power how merchants and consumers move money. E.g. IBAN-based transfers, money in and out, and peer-to-peer payments via the SumUp consumer app. With the high volume transfers per hour across our European markets. That means reliability isn't a nice-to-have - it's the baseline for us. Right now, the team is replacing a set of market-specific implementations with a single, unified global transfer platform that will serve Europe, the UK, Brazil, Chile, and eventually the US and Canada. Join our team and contribute directly to platform-level architecture that will shape how SumUp moves money at scale - work that directly impacts millions of small businesses every day. Our tech stack includes Kotlin, Java, Go, a bit of Elixir, AWS, Kafka, PostgreSQL, and Kubernetes, supported by a strong observability toolchain with Prometheus, Grafana, and Honeycomb. We also actively use AI‑assisted development tools such as Cursor, GitHub Copilot, and others. 🎥 Get a feel for life in our Sofia office . What you'll do Build and maintain backend services that sit at the heart of SumUp's transfer infrastructure, taking end-to-end ownership from development through to observability, testing and production support Contribute to the migration from market-specific services toward a unified global transfer platform, working across a mix of active services and legacy systems being decomposed Raise well-scoped pull requests,