Software Engineer

About Us

Zepto is building the beating heart of Australia's real-time, account-to-account payments revolution.

It's a good moment to be doing this work. Card surcharging rules have changed, Payday Super is live, and many businesses are taking a serious look at account-to-account payments for the first time. A lot of that shift lands on our platform, and we're looking for action-oriented engineers to help build category-defining infrastructure.

Payments is a domain where the details matter. When someone's wages or a business's cash flow moves through our platform, it has to arrive correctly, every time, in seconds. Meeting that bar in a regulated industry makes for interesting engineering problems. As a Software Engineer you'll own real pieces of how we solve them, working alongside senior engineers who'll help you grow your scope quickly.

We're a remote-first team that works closely together. Engineers here are trusted to make decisions, encouraged to share their thinking, and supported to grow. That culture is part of why we've been named FinTech Organisation of the Year at the Finnies twice.

What You'll Do

• Build and maintain features on our high-volume, real-time payment APIs, shipping clean, tested, observable code into a mission-critical, regulated environment.
• Work in a cross-functional team, contributing to technical designs and RFCs and turning them into well-scoped, shippable work.
• Review your peers' code and pair regularly, learning from senior engineers and sharing what you know.
• Collaborate with Platform, Security and Incident Management teams, and join our shared on-call rotation once you're up to speed.

What You'll Bring

• Solid backend foundations:Commercial experience in a backend language and API development. We work in Ruby and Go. Ruby experience is a plus, but strong fundamentals and a willingness to learn matter more to us than your current language.
• Good engineering practices:Experience with test-driven development, code review and continuous delivery. Exposure to public cloud (preferably AWS) or event-driven systems is a plus.
• Ownership:You take a piece of work from inception to production and make sure it works once it's there.
• AI adoption:AI is changing how engineering works, and you're evolving with it. You use tools like Claude Code or Cursor in your day-to-day delivery and stay curious as capabilities improve, while reviewing generated code as carefully as your own and respecting data security boundaries.
• Clear, open communication:You share work in progress early, ask good questions, and raise risks when you see them. You ask for help early when you're stuck.
• Front-end experience (React, TypeScript) is a bonus:Plenty of our work spans the stack, from the APIs that move money to the merchant-facing UIs built on them, so engineers who can follow their work through to the UI add real value.

Your First 6 Months

• Week 1:You'll be paired with an onboarding buddy to get familiar with our domains, understand the business context across teams, and ship your first changes to production.
• Month 1:You're delivering stories within your team's domain and reviewing code with growing context. You understand how merchants and internal staff use the Zepto platform, and you're building relationships across product, engineering and the wider business. You've probably spotted something we could do better, whether that's a clunky endpoint, a confusing error message or a gap in our docs, and either fixed it or raised it with the team.
• Month 6:You're delivering features end to end with growing independence: working through requirements with product, contributing to the design, and seeing your work land in production. You've contributed to an RFC, you're part of the on-call rotation, and you're confident supporting the systems your team owns.

Why Zepto?

Headquartered in beautiful Byron Bay, Zepto has an inspiring founder story and is a customer-focused, culture-first organisation. You'll be joining a team that champions curiosity and a pioneering perspective, and thrives in a fast-moving sector.

Just some of Zepto's commitments to our people include:

• Join a Talented Team:Work with world-class talent and leaders who support career growth
• Flexible Work:A remote-first work culture, with the opportunity to work anywhere in Australia. You'll also get access to premium co-working spaces and a Byron, Sydney & Melbourne Hub
• Paid Parental Leave:12 weeks Paid Parental Leave for primary caregivers and 4 weeks for secondary caregivers
• Wellbeing Focus:Access to Zepto's Wellbeing Menu, which includes 3 x paid Wellbeing Days per year and access to an Employee Assistance Program
• Annual Learning Budget:An individual learning budget, and 4 x paid Growth & Impact Days annually to focus on professional development
• Remote-Work Support:A $500 Remote Work Budget to set up your home office upon commencement, and $300 annually from your 2nd Zeptoversary

Please note:As an organisation in the financial services industry, we conduct background checks as part of our recruitment process.