Senior QA Engineer - Payment Systems (Manual Testing)

June 5, 2025

Yularatech is an IT Consulting & Services Company offering high quality end-to-end IT solutions to partner clients. We specialize in IT consulting, IT skills resourcing, and outsourced end-to-end application development and support.

Position Summary

We are seeking a highly experienced Senior QA to independently handle manual testing for critical payment systems. This role requires deep expertise in payment processing, transaction validation, compliance testing, and defect management.

The candidate will be fully responsible for ensuring the accuracy, security, and reliability of payment transactions, from initiation to settlement.

This is a hands-on manual testing role—no automation skills are mandatory though an added advantage, but strong domain knowledge and testing expertise are mandatory. The selected individual will lead the end-to-end testing efforts, ensure regulatory compliance, and work closely with cross-functional teams to uphold the highest quality standards.

If you are passionate about ensuring the highest standards of quality in every product you test, and have an innovative mindset that will contribute to continuous improvement in QA practices, PLEASE APPLY.

Key Skills & Qualifications required

· Strong expertise in financial/payment systems: Deep understanding of payment processing, authorization flows, settlements, chargebacks, and financial reconciliation.

· Standards Expertise (AS2805 & ISO8583): Must have hands-on testing experience with AS2805 and ISO8583 payment message formats.

· Scheme Compliance (Visa, Mastercard, Others): Proven experience in executing and validating scheme compliance tests for major card networks.

· Simulator Proficiency (FINsim, OTS, Paysim): Practical knowledge of payment simulators for test execution and transaction validation.

· End-to-End Authorization Flow Understanding: Strong grasp of full payment transaction lifecycle from POS to host, including switch behavior.

· Manual Testing Mastery: Ability to design, execute, and document detailed test cases for complex financial transactions.

· Defect Lifecycle Management: Proficiency in logging, tracking, and prioritizing issues using JIRA, Bugzilla, HP ALM.

· API Testing: Hands-on experience testing payment APIs manually using Postman, SoapUI, or equivalent tools.

· SQL & Database Testing: Strong ability to validate financial data using SQL queries in databases like Oracle, PostgreSQL, MySQL.

· Compliance & Regulatory Knowledge: Solid understanding of PCI DSS, EMV, PSD2, ISO 20022, ISO 8583 & SWIFT protocols.

· End-to-End Testing Expertise: Ability to validate cross-border transactions, multi-currency processing, tax handling, and compliance reporting.

· Agile delivery Toolsets: Expertise in using JIRA, Confluence, TestRail, Bugzilla etc. for bug reporting and management

· Test management tools: E.g., TestRail, QTest to organize and manage test cases

· Mobile testing tools and frameworks: E.g., Appium, Espresso) for iOS and Android applications.

Soft Skills

● Highly Impactful communication - Oral, written and presentation to effectively communicate with stakeholders, present and document test plans, test reports, test cases and defects.

● High precision in validating financial transactions, calculations, and reports.

● Ability to detect hidden issues in financial workflows and suggest improvements.

● Candidate must have an independent work ethic, strong communication skills for effective team mentoring and handling.

● Excellent proficiency in English language as the role requires to mentor the junior team members.

● Ability to work autonomously and produce high-quality outputs with minimal daily interventions.

● Demonstrates leadership qualities and mentor the team as needed.

● Professionalism, Positivity, Integrity, and ability to handle confidential information.

● Ability to take ownership of enhancing the QA processes and drive continuous improvement initiatives.

Primary Responsibilities

1. Ownership & Leadership of QA for Payment Systems:

· Independently manage the entire QA process for the payment system.

· Define test strategies, plans and execution roadmaps for payment transactions.

· Ensure the end-to-end test coverage including payment flows, settlements, refunds, chargebacks, and reconciliations.

· To work closely with business analysts, developers, and product owners to validate requirements and assess risk.

· Provide detailed test reports, defect analysis, and risk assessments to stakeholders.

2. Comprehensive Functional & System Testing:

· Perform manual functional testing for:

o Transaction Processing: Authorization, Clearing, Settlement, Refunds & Reversals.

o Payment Gateway Integrations: Visa, Mastercard, AMEX, PayPal, UPI, SWIFT, ACH, SEPA etc.

o Reconciliation & Ledger Validation: Ensure transactional consistency across systems.

o Card & Bank Payments: Debit/Credit Cards, Net Banking & Digital Wallets.

o Cross-Border Payments: Validate multi-currency payments and exchange rate calculations.

· Verify invoice generation, fee calculation, and taxation rules.

3. Compliance & Security Testing:

· Ensure adherence to PCI DSS, ISO 8583, ISO 20022, PSD2, EMV, SWIFT regulatory standards.

· Validate data encryption, tokenization, and masking of sensitive payment data.

· Conduct manual security validation to identify data leaks, incorrect permissions, and risk vulnerabilities in payment transactions.

· Test fraud detection mechanisms and ensure that alerts are triggered for suspicious activities.

4. API & Backend Testing:

· Manually validate REST/SOAP API responses using Postman, SoapUI, or equivalent tools.

· Test payment APIs for accuracy, response codes, and error handling.

· Validate database transactions using SQL queries to confirm data integrity, reconciliation, and reporting.

5. Performance & Failure Scenario Testing (Manually Identifying System Weaknesses):

· Conduct boundary value testing for large transaction amounts.

· Simulate failed transactions, declined payments, and chargeback cases.

· Identify edge cases in payment failure handling (e.g., expired cards, incorrect CVV, insufficient balance).

6. Defect Management & Risk Reporting:

· Log defects in JIRA, HP ALM, Bugzilla, or equivalent tools with clear reproduction steps.

· Categorize defects based on severity and prioritize critical payment bugs.

· Perform root cause analysis for recurring payment issues and suggest preventive measures.

· Collaborate with developers, support teams, and business analysts to ensure quick issue resolution.

7. UAT Support & Production Validation:

· Assist business teams in conducting User Acceptance Testing (UAT).

· Validate production deployments to ensure smooth go-live without financial discrepancies.

· Provide post-production monitoring support to confirm system stability.

Mandatory / MOST IMPORTANT Pre-requisites

Ø A total of 10 years and a minimum of 3-5 years of professional experience working specifically in payment systems or Financial application testing.

Ø Ability to balance quality, security, usability, and efficiency in payment system testing.

Ø Bachelor’s / Master’s degree in Computer Science, Information Technology or a related field is preferred.

Ø Strong knowledge of payment system architectures and components, including payment gateways, processors, acquirers, issuers, card networks, and digital wallets.

Ø Experience in working for International clients and projects with cross-cultural audiences.

Ø Understanding of the end-to-end payment processing lifecycle, including authorization, authentication, clearing, and settlement.

Ø Decent exposure to performance testing tools (e.g., JMeter, LoadRunner) to evaluate system performance under load.

Ø Understanding of Security testing practices and tools (e.g., OWASP ZAP, Burp Suite) to identify vulnerabilities

Ø Experience working in Agile or Scrum environments for iterative development and delivery.

Ø Ability to manage multiple projects, coordinate tasks, and ensure timely delivery of test reports.

Desirable

● Experience with performance and load testing tools (e.g., JMeter).

● Proficiency with CI/CD tools (e.g., Jenkins, Travis CI, CircleCI)

● Exposure to cloud-based payment solutions (AWS, Azure, or Google Cloud).

● Familiarity with risk management and fraud detection techniques in payment systems.

● Certifications such as Certified Software Tester (CSTE), Certified Payment Professional (CPP), or Certified Payment Card Industry Security Auditor (CPISA).

● Familiarity with BDD tools and frameworks (e.g., Cucumber, Spec Flow)

Additional Information

● We offer competitive salary package and a comprehensive benefits package.

● You will have the opportunity to work on exciting and impactful projects.

● You will be joining a collaborative and inclusive work environment.

● Enjoy continuous learning and professional development opportunities.

● Candidate is expected to work with the client’s team based in Australia (On split time zones i.e. both IST Or AEST on need basis)

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