About Us
xPay is a Y Combinator backed international payments company building an international payment gateway focused on cross-border payments — making it dramatically easier for businesses to move money across borders. Our customers are B2B SaaS companies who need fast, reliable, and cost-effective payment infrastructure to serve global users.
These businesses are increasingly moving their international volumes from billion-dollar companies to xPay as we expand our footprint across 180+ countries and support 25+ currencies. Since January 2025, we have grown 73× and now process over 1 million transactions every month.
Cross-border payments is a $200 trillion market. Our customers—including publicly listed companies and Series D & E startups across sectors like EdTech and Travel—trust us to process millions of dollars every month.
The Role
We're looking for a Payments Operations Specialist to own our day-to-day payment operations and ensure transactions move seamlessly across our ecosystem. You'll play a key role in managing disputes, supporting merchants, improving operational processes, and working closely with payment partners to build a scalable operations function.
What you'll do
Own end-to-end chargeback and dispute operations—from evidence collection and filing to tracking and resolution.
Manage payment operations and merchant support to ensure smooth transaction workflows and timely issue resolution.
Build and improve SOPs that make payment operations more scalable, efficient, and reliable.
Partner with payment gateways, banking partners, merchants, and internal teams to resolve operational issues.
Analyze payment and transaction data to identify trends, improve processes, and reduce operational bottlenecks.
What you’ll do
Own merchant onboarding by coordinating with payment processors and merchants for documentation, support, and onboarding completion.
Collaborate with the Sales and Risk teams to complete merchant risk checks and ensure compliant onboarding.
Manage payout operations by monitoring transactions, diagnosing payout failures, and ensuring operational stability and efficiency.
Own end-to-end dispute and chargeback operations, including evidence collection, merchant coordination, and submission to payment processors.
What we’re looking for
2–3 years of experience in payments operations, merchant operations, chargebacks, disputes, or payment operations within fintech or payments.
Hands-on experience with payment workflows, merchant onboarding, chargeback management, and payment gateways.
Strong analytical and problem-solving skills with a high ownership mindset and attention to detail.
Excellent communication and stakeholder management skills, with the ability to work cross-functionally in a fast-paced startup environment.