Ruby Software Development Engineer

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. 

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help! 

And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply!

The technical challenges in GoCardless span from building support for banking schemes to optimising technical processes. We’re looking for engineers to join our growing Connectivity Group, where you’ll be working on problems that sit at the core of GoCardless: building and maintaining the bank and scheme integrations that make it possible to keep our merchants’ cash flowing.

We endeavour to build simple, reliable and performant systems, and we believe in using the best technologies for each task. Joining the Connectivity Group you’ll be working in a team that primarily uses: Ruby on Rails, PostgreSQL, BigQuery and Prometheus in Google Cloud with some Sentry tracing added to the mix. Together with your team, you will develop components that process over 10 million payments daily.

You’re not expected to have expertise in all these technologies. Members of our team have picked up the tools once they’ve started working with the team. If you’re unsure, please apply.

• Shipping stuff, you’ll work with your team to support changes to completion, delivering consistent positive impact across your product area. 
• Growth mindset, motivated by driving concrete business outcomes.
• Raising the technical bar. You insist on high standards of technical design and implementation and ensure your systems are operationally excellent. You adapt to new technologies and processes quickly.
• Building for scale and autonomy, using modern technology and tooling.
• Collaborative environment. You believe the best products are built through collaboration.

• Professional experience of building applications in Ruby - You have experience building web products and services, and have an awareness of technologies across the stack.
• Enthusiasms about working in a strong culture of experimentation, testing and learning - to help us in experimenting ways to grow our product!
• You care about building reliable, well-tested systems.
• You enjoy solving problems and are happy to take initiative to find better solutions.

We don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply.

• Software Development Engineer II: €2,933 to €4,400 gross
• Software Development Engineer III: €4,000 to €6,000 gross
• Senior Software Development Engineer: €5,300 to €8,000 gross

Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

• Wellbeing - stay healthy with dedicated support and medical cover
• Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period
• Adaptive Working - allows you to work flexibly, around your lifestyle
• Equity - all permanently employed GCs get equity to help you make a valuable contribution
• Parental leave - to suit everyone embarking on life's great adventure
• Learning Budget - lead your own development with an annual learning budget
• Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’)

We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work. 

As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices.

To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as:

Asian, Black, Mixed or Other — 25% 

Neurodiverse — 9% 

LGBTQIA+ — 9% 

Disabled — 1% 

Average age — 33

Female — 45%

Male —  55% 

We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support.

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report 

We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. In 2021 we became co-founders of the Tech Zero coalition, a group of businesses committed to taking climate action as part of the UNFCCC Race to Zero. We aim to reduce our impact and to create positive change on the natural world. Check out our sustainability action plan here. 

Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.