Product Manager (Payments)

PayJunction is seeking a Product Manager to own the Payment Experience domain, including the Virtual Terminal, surcharging, tender types, and login and security. The role sets product strategy and roadmap, drives merchant adoption and processing revenue, and manages the full lifecycle of payment experiences while navigating regulatory and card-brand requirements.

Responsibilities:

• Own the product vision, strategy, and quarterly roadmap for the Payment Experience domain. Articulate where we are going, why, in what order, and what we are choosing not to do
• Own the full payment experience lifecycle across the domain — VT, surcharging, tender types, and login/security. Each payment service has a defined adoption target, merchant-facing education or configuration strategy, and post-ship validation
• Drive surcharge enrollment growth as the domain’s clearest revenue lever. Navigate state legality, card-brand rules, and merchant-facing constraints to design enrollment strategies that are compliant and effective
• Manage tender-type adoption and expansion. Own the BNPL (Sunbit) partnership, ACH, Apple Pay, and future payment methods. Drive merchant-facing education and activation to increase adoption rates
• Build and maintain the product backlog with strategic intent. Prioritize based on business value, cost of delay, and merchant impact. Maintain 2–4 sprints of ready work at all times
• Conduct product discovery before committing major work. Talk to merchants, listen to support calls, analyze usage patterns, review competitive payment experiences. Validate before building
• Navigate regulated payments constraints as first-class design inputs. Treat card-brand rules, PCI scope, state surcharge regulations, and Nacha/ACH rules as product problems to solve, not checkboxes to clear
• Write benefit hypotheses for major initiatives and validate outcomes post-ship. Own the full cycle: discover, plan, build, ship, measure, learn
• Collaborate with engineering during sprint planning, refinement, and execution. Be available, be clear, and treat developers as partners in building the right thing
• Communicate proactively with stakeholders. Send monthly domain updates. Surface trade-offs and sequencing changes before people have to ask
• Triage all incoming requests in the domain. Accept, defer, decline, or route. Every request gets a visible disposition within 10 business days

Requirements:

• 7+ years of experience as a Product Manager or in a similar product leadership role
• 3+ years working with Agile/Scrum teams, driving (not just participating in) sprint planning, refinement, and backlog health
• Direct experience in payments, acceptance, or processing (gateway, acquirer, processor, or merchant-facing payment product) - must understand authorization, capture, settlement, interchange, and funding at a product-decision level
• Proven track record of navigating regulated payments constraints (surcharge legality, card-brand rules, PCI, Nacha/ACH, state regulations) as product design inputs
• Proven track record of outcome-focused delivery with measurable business impact — revenue lift, adoption rate improvement, retention contribution, or deal-enablement tied to products owned
• Experience owning merchant-facing or SMB-facing product experiences where the end user is a business operator managing daily payment workflows
• Experience with B2B SaaS product management - understands SaaS delivery, multi-tenant considerations, and merchant lifecycle
• Experience with BNPL, alternative tender types, or payment method expansion
• Familiarity with Jira, Confluence, and product intake/discovery tools
• Product management certifications (CSPO, PSPO, or equivalent)
• Bachelor's degree in Business, Computer Science, or a related field