Product Manager: Payment Acceptance

About SpotOn   We’re not just building restaurant tech—we’re giving independent restaurants the tools to compete and win. From our award-winning point-of-sale to AI-powered profit tools, everything we do helps operators boost profit, work smarter, and keep their best people. And every solution is backed by real humans who actually give a sh*t about helping restaurants succeed.

• Named the #1 Restaurant POS by G2 (Fall 2025), based on ratings from real users
• Rated the top-rated point-of-sale (POS) for restaurants, bars, retail, and small businesses by Capterra users
• Awarded Great Places to Work and Built In’s Best Workplaces for multiple years running

We move fast, care hard, and fight for independent restaurant operators to do what they love, and love doing it. If you’re looking to make an impact with heart and hustle, SpotOn is the place for you.

About the Role

As the Product Manager, Payment Acceptance, you will own the strategy and execution for SpotOn’s payment acceptance capabilities across card-present and card-not-present experiences in our hospitality-focused merchant base. You will define how payments are presented, authorized, captured, and accepted across our ecosystem, ensuring reliability, security, and compliance while driving a best-in-class experience for restaurants and other hospitality merchants.

You will work closely with engineering, design, operations, sales, and external payment partners to deliver scalable, ISO 8583, ISO 14443, and EMVCo Specification aligned payment flows for in-store, online, and mobile channels. Your success will be measured by payment performance (authorization rates, latency, and resiliency), merchant satisfaction, and the ability to unlock new payment capabilities that help merchants grow revenue and reduce operational friction.

Responsibilities:

Payment Execution:

• Own the end-to-end product roadmap for payment acceptance in card-present (CP) and card-not-present (CNP) environments, with a focus on hospitality use cases such as table service, counter service, bars, quick-service, and multi-location groups.

Define the strategy for how each payment media type is presented and accepted at the terminal, including chip, contactless, ecommerce tokens, and white label loyalty, and set the metrics that measure acceptance health.

• Translate complex payment acceptance flows into simple, intuitive experiences for merchants and their staff, including refund, tip, adjustment, partial authorization, and offline/stand-in authorization scenarios.
• Design and optimize payment authorization, clearing, and settlement flows in alignment with ISO 8583, ISO 14443, and EMVCo Specification and other relevant scheme and network requirements, ensuring accurate, resilient, and compliant transaction processing.
• Partner with payment engineering teams to define requirements, APIs, and technical specifications for terminal integrations, SDK integrations, gateways, tokenization, risk services, and transaction routing.
• Monitor and improve key payment performance metrics (e.g., authorization rates, chargebacks, declines, retries, disputes, latency, reconciliation accuracy) and lead experiments to improve them.
• Collaborate with risk, compliance, and security teams to ensure adherence to network rules, card brand requirements, and industry standards (PCI DSS), and to define merchant onboarding, monitoring, and remediation workflows.
• Partner with GTM teams to package and position payment capabilities in a way that differentiates SpotOn for hospitality merchants, working closely with Sales, Account Management, and Customer Success.
• Use data and merchant feedback to prioritize features, quantify impact, and drive a rigorous experimentation culture for new payment capabilities (e.g., digital wallets, stored cards, recurring billing, surcharging or dual pricing where compliant).
• Lead discovery with external processors, acquirers, gateways, and third-party partners to evaluate and implement new capabilities, routing options, or cost-optimization opportunities.
• Ensure that operational teams (support, implementations, risk operations, finance, and settlement teams) have the tooling, workflows, and documentation needed to support merchants at scale.

Cross-Functional Leadership:

• Act as the primary product point of contact for payment acceptance across SpotOn, aligning stakeholders around a clear vision, roadmap, and success metrics.
• Facilitate cross-functional decision-making, balancing technical constraints, regulatory considerations, and merchant needs to arrive at pragmatic, high-impact solutions.
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