Middle+/Senior Payment Manager

Toggle is a product company building eSIM and VPN solutions for global connectivity across all major platforms, including mobile, desktop, and TV.

Role Overview

As a Middle+/Senior Payment Manager, you will take ownership of the operational management of payment risk, fraud prevention, and compliance with payment network requirements. You will also oversee day-to-day payment operations, including payment processing, routing, and vendor management across Stripe, Solidgate, and acquiring partners.

It is a full-time individual contributor position with a high level of subject matter ownership. We operate with legal entities in the EU and the US.

Responsibilities

• own card network and acquirer compliance programs by monitoring key metrics, preparing and executing remediation plans, and proactively ensuring the company's readiness for new payment network requirements;

• manage payment risk and fraud operations by monitoring dispute, chargeback, and refund metrics, administering chargeback prevention tools, and investigating payment-related incidents;

• oversee payment processing and routing operations, including traffic allocation across payment providers and MIDs, failover management, and the integration and testing of new payment providers;

• manage day-to-day relationships with vendors and acquiring partners (including Stripe, Solidgate, and others), handling communications, operational requests, commercial coordination, and escalations;

• support the team with payment analytics by analyzing approval rates, declined payments, refunds, and disputes, identifying operational bottlenecks, and recommending improvements;

• maintain payment operations documentation and share domain expertise to ensure critical payments knowledge is documented and distributed across the team.

What We Expect from You

• 4–5+ years of experience in payments, payment processing, or payment risk management;
• hands-on experience managing card network compliance programs and chargeback prevention solutions;
• strong understanding of the end-to-end dispute and chargeback lifecycle, from fraud signals and alerts through representment and resolution;
• experience working with payment orchestrators and managing payment routing across multiple payment providers and MIDs (e.g., Solidgate, Primer, Spreedly, or similar platforms);
• solid understanding of PCI DSS requirements;
• experience supporting subscription-based business models and recurring payments.
• English proficiency sufficient for written communication and meetings with acquiring partners and payment vendors (В1+).

Soft skills:

• strong sense of ownership and the ability to independently manage an area of responsibility with minimal supervision;
• excellent prioritization skills and the ability to manage multiple concurrent initiatives with strict external deadlines;
• high level of accuracy and attention to detail—mistakes in this role can directly impact revenue and merchant account standing with acquiring partners;
• clear and effective written communication, including vendor correspondence, process documentation, and metric reporting;
• willingness to share knowledge and build scalable processes that are not dependent on a single individual.

Nice to have:

• experience in VPN, digital subscriptions, or other high-risk payment verticals;

• experience in the eSIM industry;

• proficiency in SQL and the ability to independently analyze payment performance metrics, including approval rates, declined payments, refunds, and disputes;

• experience building payment operations from the ground up or leading major payment operations transformation initiatives;

• experience managing acquirer or payment network reviews, audits, and compliance assessments;

• experience working with chargeback collaboration and consumer inquiry solutions such as Ethoca, Order Insight, or similar platforms.

Perks

• official employment and a competitive salary;

• paid vacation + 5 personal days per year;

• full-time role with flexible start times and a hybrid setup (4 days in the office, 1 remote);

• support for growth: we cover professional courses, books, and conferences;

• private health insurance (including dental coverage);

• internal English classes;

• fast skill growth in a startup-paced environment;

• a culture of openness, respect, and honest feedback;

• minimal bureaucracy — maximum impact and momentum.

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