At Centrapay, we're revolutionising how you spend money both in-store and online. We allow businesses to create digital assets and loyalty programmes so that you can spend and be rewarded anywhere. Some of our partners include Coca-Cola, BNZ, and Farmlands, and we process payments in New Zealand and Australia.

Our payments platform is the heartbeat of what we do. On top of this, we're building our hero app, Payap (www.payap.com), that brings all of our best capabilities to life.

‍ What you'll actually be working on

These aren't abstract responsibilities, these are real projects from our roadmap:

• Building self-service tools that let partners create their own economies: you'll be shipping flows that take a business from idea to live loyalty programme in under 10 minutes, with API abstractions that make complex economic systems feel like filling out a form.
• Creating multiplayer money experiences in Payap: the split payments flow that handles the mate who never pays you back, shared challenges that make transactions feel like achievements, and group payment UX that works when half your mates have Payap and half don't.
• Building fraud detection that protects without blocking legitimate transactions: designing signals that catch card testing attacks but not someone's $5.50 flat white, creating risk intelligence across thousands of merchants, and shipping monitoring that knows suspicious activity from lunch rush.

️‍️ How we actually work

• You build it, you run it, you own it: Engineers at Centrapay ship features end-to-end and see them through production. When something breaks or could be better, you have the context and autonomy to fix it, no waiting for permission or handoffs to other teams.
• Learn by building: We give you business problems, not specs. "Partners need faster onboarding" is your starting point, and how you solve it is up to you. You'll do market research, run spikes, and explore the solution space. No ticket grooming, no story pointing. We also have 10% time and Hackathons where you can experiment with new tech you wouldn't normally get to use.
• Progress over perfection: We deploy to production daily, and you'll push code on your first day. We believe in shipping early, iterating fast, and learning from real usage.
• Work across the stack: Backend, frontend, infrastructure. Whatever it takes to deliver amazing experiences for our customers.

Our stack

Don't stress if you haven't touched some of these, we'll help you bridge the gaps:

• AI tools: Claude Code, Cursor, Github Copilot
• Backend & data: Node.js, DynamoDB, Redis, Vitest
• Frontend: Vue.js, Tailwind CSS, Astro, Testing Library, Playwright
• Infrastructure & operations: AWS, Kubernetes, Terraform, Honeycomb, OpenTelemetry
• Tooling: Claude, Github, Slack, Notion, Figma

Who we're looking for

• At least 4 years shipping real code to users. We're looking for people who've learned from real mistakes and know what it takes to build reliable systems
• Ideally startup experience, end-to-end ownership and some higher-level decision-making
• Clear writing - since we're async-first and most of our communication happens in writing
• Comfortable with ambiguity - you’ll be expected to talk to users and figure out what to build

️ Why you might not apply (and why you should anyway)

• "I don't have Vue.js experience" - We care more about how you think than what frameworks you know. If you can build with React, you can learn Vue in a week, and we'll pair with you to help you get up to speed.
• "I don't live in Auckland" - No problem, we want you work to where you work best.

We believe in being open and transparent, so here’s exactly what to expect:

• First chat (1 hour video call) - an opportunity to get to know you, talk about the role and Centrapay
• Take-home task - 2-4 hours on your schedule
• Code review session (1 hour video call) - discuss your task, design decisions, and trade-offs together
• Final chat (30 minutes) - an opportunity to connect with our CEO and CTO

Why Join Us?

• Be part of a fast-growing fintech shaping the future of payments
• Work with a team that values innovation, collaboration and ambition
Competitive compensation, growth opportunities, and a chance to make a real impact

We look after our people at Centrapay, a key focus is our culture and ensuring we create a positive and healthy work environment. We continuously look at ways to make improvements and regularly ask for employee feedback and input.

Your key benefits

• We offer flexible working
• Awesome office location at City Works Depot (if you're in Auckland)
• 6 weeks annual leave
• A Macbook Pro
• We have a down-to-earth, open culture that values inclusion
• In-person and online social activities to keep you connected
• Training and development opportunities
• Sick leave from day one
• Free health insurance via Southern Cross
• Free Life insurance
• Additional parental leave entitlements

For more information on Centrapay please visit https://centrapay.com/

BNZ and Centrapay are partnering together to lead the charge in payment innovation and push the boundaries of what’s possible.