Software Engineer: Back-End II (Android / Payments) at Capitec Bank
Capitec Bank
September 24, 2026
Full-time
On-site
Purpose Statement
As a level II Software Engineer in our Payments Technology team, you will play an integral part in a cross-functional team responsible for the full lifecycle of our card machine software, from concept and design, through development and testing, to deployment and ongoing operation in the field. You will design, develop, test, deploy, maintain and enhance native Android applications running on POS devices, as well as the server-side components that power them, translating requirements from the business or technical analyst and actively participating with the delivery team in design and problem-solving.
You will work across the full payments stack: building the application in the merchant's hand, integrating directly with terminal hardware such as card readers, NFC and PIN pads, handling EMV and ISO 8583 messaging, and developing the back-end services that authorise, settle and report on every transaction. Reliability, performance and transaction integrity are non-negotiable, the code you write processes real money, in real time, at scale.
Education (Minimum)
Grade 12 National Certificate / Vocational
Education (Ideal or Preferred)
A relevant tertiary qualification in Information Technology
Knowledge and Experience
Experience:
3+ years' proven experience in software development, project delivery and implementation, covering both native Android and back-end development
Hands-on commercial experience building native Android applications in Java and/or Kotlin
Practical experience with EMV protocol (contact and/or contactless)
Working knowledge of ISO 8583 financial messaging
Experience integrating hardware peripherals on Android — card readers, NFC, PIN pads — via AIDL / IPC
Demonstrable experience building and maintaining server-side components, APIs and services that support transactional workloads
Knowledge:
Is able to apply advanced knowledge of the following:
IT systems development processes (SDLC)
Native Android application development and the Android SDK
Advanced programming concepts
Advanced algorithms and data structures
Design Patterns
Version Control
Testing practices
Database systems and query optimisation (e.g. SQL, NoSQL)
RESTful API design and integration
Cloud computing platforms and services (e.g. AWS, Azure)
Advanced microservice and event-driven architectures
Deployment using Kubernetes and containerisation
Secure coding and transaction integrity within a payments environment
Ideal:
Additional experience with React Native or Ionic/Capacitor alongside native Android
Exposure to PCI PTS / PA-DSS standards
DUKPT or MK-SK key management
Prior experience at a payment terminal vendor or fintech (e.g. PAX, Ingenico, Verifone, ECentric, Synthesis)
Skills
Analytical Skills
Attention to Detail
Communications Skills
Interpersonal & Relationship management Skills
Problem solving skills
Additional Information
Clear criminal and credit record
As a level II Software Engineer in our Payments Technology team, you will play an integral part in a cross-functional team responsible for the full lifecycle of our card machine software, from concept and design, through development and testing, to deployment and ongoing operation in the field. You will design, develop, test, deploy, maintain and enhance native Android applications running on POS devices, as well as the server-side components that power them, translating requirements from the business or technical analyst and actively participating with the delivery team in design and problem-solving.
You will work across the full payments stack: building the application in the merchant's hand, integrating directly with terminal hardware such as card readers, NFC and PIN pads, handling EMV and ISO 8583 messaging, and developing the back-end services that authorise, settle and report on every transaction. Reliability, performance and transaction integrity are non-negotiable, the code you write processes real money, in real time, at scale.
Education (Minimum)
Grade 12 National Certificate / Vocational
Education (Ideal or Preferred)
A relevant tertiary qualification in Information Technology
Knowledge and Experience
Experience:
3+ years' proven experience in software development, project delivery and implementation, covering both native Android and back-end development
Hands-on commercial experience building native Android applications in Java and/or Kotlin
Practical experience with EMV protocol (contact and/or contactless)
Working knowledge of ISO 8583 financial messaging
Experience integrating hardware peripherals on Android — card readers, NFC, PIN pads — via AIDL / IPC
Demonstrable experience building and maintaining server-side components, APIs and services that support transactional workloads
Knowledge:
Is able to apply advanced knowledge of the following:
IT systems development processes (SDLC)
Native Android application development and the Android SDK
Advanced programming concepts
Advanced algorithms and data structures
Design Patterns
Version Control
Testing practices
Database systems and query optimisation (e.g. SQL, NoSQL)
RESTful API design and integration
Cloud computing platforms and services (e.g. AWS, Azure)
Advanced microservice and event-driven architectures
Deployment using Kubernetes and containerisation
Secure coding and transaction integrity within a payments environment
Ideal:
Additional experience with React Native or Ionic/Capacitor alongside native Android
Exposure to PCI PTS / PA-DSS standards
DUKPT or MK-SK key management
Prior experience at a payment terminal vendor or fintech (e.g. PAX, Ingenico, Verifone, ECentric, Synthesis)
Skills
Analytical Skills
Attention to Detail
Communications Skills
Interpersonal & Relationship management Skills
Problem solving skills
Additional Information
Clear criminal and credit record