Senior Manual QA Engineer (Remote)

About the position The Senior Manual QA Engineer serves as the hands-on quality gatekeeper responsible for comprehensive manual testing of the payment processing platform.

This role focuses on end-to-end validation of payment flows, compliance verification, exploratory testing, and ensuring that all features meet acceptance criteria before production release.

Working alongside the Senior Automation QA Engineer, this role owns the manual testing strategy for complex payment scenarios that require human judgment, edge case exploration, and real-world user experience validation.

The Senior Manual QA Engineer is critical to ensuring the platform delivers a compliant, reliable, and user-friendly payment experience for partners and their customers.

Responsibilities Execute comprehensive manual testing of complete payment flows from checkout initiation through settlement confirmationValidate dynamic surcharge calculations across different card types (Visa, Mastercard, Amex, Discover), BIN ranges, and jurisdictionsTest split settlement scenarios ensuring accurate distribution to Partners, Merchants, Promoters, and the PlatformVerify cost calculation engine including interchange fees, acquirer fees, and platform feesTest Apple Pay and Google Pay wallet integrations including DPAN handling and tokenizationValidate refund and chargeback workflows including proportional surcharge reversalsValidate Durbin Amendment compliance ensuring regulated debit cards are blocked from surchargesTest state-specific surcharge cap enforcement (e.g., 3% Nevada cap, California, Texas Ticketing Act rules)Verify card network surcharge rules (Visa, Mastercard maximum caps) are correctly appliedTest PCI-DSS compliance requirements including secure card data handling in hosted payment fieldsValidate fee transparency requirements ensuring buyers see accurate line-item breakdownsTest Partner HPP (Hosted Payment Page) integration including API responses, field rendering, and error handlingValidate webhook notifications (Transaction Authorized, Declined, Split Completed, Refund Initiated, Payout Settled)Test payment processor integration including authorization, capture, and settlement flowsVerify BIN lookup service integration accuracy and fallback handlingTest tokenization service integration for payment method tokensConduct exploratory testing sessions to discover edge cases and unexpected system behaviorsTest boundary conditions for surcharge calculations, transaction amounts, and split percentagesValidate error handling and graceful degradation when external services fail (BIN lookup, processor timeouts)Test concurrent transaction scenarios and race conditions in split settlementPerform negative testing including invalid card data, expired tokens, and malformed requestsCreate and maintain comprehensive test cases for all payment scenariosDocument test execution results with clear pass/fail criteria and evidenceWrite detailed bug reports with reproduction steps, expected vs. actual results, and severity classificationMaintain test data sets for different card types, jurisdictions, and merchant configurationsCollaborate with Automation QA to identify test cases suitable for automation vs. manual executionSupport User Acceptance Testing (UAT) with Partner engineering teamsCoordinate testing activities with engineering team during sprint cyclesParticipate in sprint planning to estimate testing effort and identify risksCommunicate test status, blockers, and quality metrics to stakeholdersValidate production readiness criteria before pilot launchesRequirements 5+ years of manual software testing experience, with at least 2 years in payment processing, fintech, or financial servicesProven track record of testing complex, multi-system integrationsExperience with agile development methodologies and sprint-based deliveryHistory of working in regulated environments requiring compliance validationStrong understanding of REST APIs and ability to test using tools like Postman or InsomniaProficiency in SQL for database validation and test data managementExperience testing webhook integrations and asynchronous event flowsFamiliarity with .NET or Java applications and AWS / Azure cloud servicesUnderstanding of payment card data flows (PAN, tokenization, BIN lookup)Experience with test management tools (Jira, TestRail, or similar)Expertise in test case design using techniques like equivalence partitioning, boundary value analysis, and decision tablesStrong exploratory testing skills with session-based test management experienceAbility to perform risk-based testing and prioritize based on business impactExperience with regression testing strategies for high-velocity release cyclesKnowledge of UAT facilitation and stakeholder coordinationExcellent written communication for test documentation and bug reportsStrong attention to detail and analytical thinkingAbility to work collaboratively with developers, product owners, and external stakeholdersProactive communication of risks and blockersComfortable challenging assumptions and advocating for qualityNice-to-haves Experience testing payment gateway integrations (Stripe, PayPal, Square, ProPay, or similar)Knowledge of PCI-DSS compliance requirements and security testingFamiliarity with surcharge regulations (Durbin Amendment, state-specific caps, card network rules)Experience with ticketing platforms or event management systemsUnderstanding of split payment/settlement systems and multi-party fund distributionExperience testing mobile wallet integrations (Apple Pay, Google Pay)Background in testing reconciliation and financial reporting systemsKnowledge of interchange fee structures and card network economicsExperience with chargeback and dispute management workflowsISTQB or similar QA certificationBenefits Inclusive Environment: Dynamic work environment that values creativity and collaborationCutting-Edge Projects: Modern, well-architected platform with best-in-class toolsImpact: Build systems that process real financial transactionsModern Stack: Quarkus, Kotlin, AWS, and AI coding assistantsCompetitive Benefits: Competitive salary, remote work, professional developmentGrowth Culture: Continuous learning, innovation, and recognitionWork-Life Balance: Flexible hours, remote-first, sustainable pace