OverviewAre you looking for an opportunity to impact millions of users every day? Are you excited that your code runs on billions of devices and that your contribution helps shape the future of agentic commerce across Microsoft surfaces?The MAI Payments team builds next‑generation payment, checkout, and agentic‑commerce infrastructure that powers Copilot, Edge, Bing, and MSN. We deliver secure, privacy‑preserving, and compliant payment and merchant‑integration systems that enable users, creators, merchants, and partners to unlock the full value of digital assets.As a Senior Software Engineer, you will design and implement client applications, cloud services, SDKs, and distributed systems that operate at global scale. You will work closely with product, design, and engineering partners to build reliable, high‑quality commerce platforms while maintaining solid engineering, security, and operational standards.Microsoft’s mission is to empower every person and every organization on the planet to achieve more. As employees we come together with a growth mindset, innovate to empower others, and collaborate to realize our shared goals. Each day we build on our values of respect, integrity, and accountability to create a culture of inclusion where everyone can thrive at work and beyond. Starting January 26, 2026, Microsoft AI (MAI) employees who live within a 50- mile commute of a designated Microsoft office in the U.S. or 25-mile commute of a non-U.S., country-specific location are expected to work from the office at least four days per week. This expectation is subject to local law and may vary by jurisdiction.ResponsibilitiesCollaborates with appropriate stakeholders to determine user and system requirements for XPay scenarios.Drives identification of dependencies and the development of design documents for services, applications, and platforms.Designs, implements, debugs, refactors, and optimizes backend services, APIs, and distributed systems to improve performance, reliability, and maintainability.Develops high‑quality, extensible code used across large‑scale microservices and payment systems.Acts as a Designated Responsible Individual (DRI) and participates in on‑call rotations to monitor services, respond to incidents, and restore service health for simple and complex issues.Proactively seeks new knowledge and applies modern engineering practices to improve availability, reliability, efficiency, observability, and operational consistency at scale.Plays a key role in shaping software architecture by making sound tradeoffs informed by both technical and business considerations.Collaborates with engineers across teams to surface common pain points, develop solutions, and evangelize best practices.QualificationsRequired Qualifications:Bachelor's Degree in Computer Science or related technical field AND 4+ years technical engineering experience with coding in languages including, but not limited to, C, C++, C#, Java, JavaScript, or Python OR equivalent experience.Preferred Qualifications:Master's Degree in Computer Science or related technical field AND 6+ years technical engineering experience with coding in languages including, but not limited to, C, C++, C#, Java, JavaScript, or PythonOR Bachelor's Degree in Computer Science or related technical field AND 6+ years technical engineering experience with coding in languages including, but not limited to, C, C++, C#, Java, JavaScript, or PythonOR equivalent experience.Experience building and operating large‑scale distributed systems and microservices in a cloud environment (Azure preferred).Solid backend engineering experience, including API design, service‑to‑service communication, and data consistency patterns.Full‑stack development experience with modern frontend on Web & Mobile such as JavaScript/TypeScript, React and iOS/Android.Experience with payment systems, checkout flows, wallets, or commerce platforms.Experience driving technical initiatives that span multiple teams or organizations.Data‑driven mindset with solid analytical, communication, and collaboration skills.#MicrosoftAI #Fullstack #AI #Commerce #AgenticCommerce #XPay #MAI Software Engineering IC4 - The typical base pay range for this role across the U.S. is USD $119,800 - $234,700 per year. There is a different range applicable to specific work locations, within the San Francisco Bay area and New York City metropolitan area, and the base pay range for this role in those locations is USD $160,200 - $261,000 per year. Certain roles may be eligible for benefits and other compensation. Find additional benefits and pay information here:https://careers.microsoft.com/us/en/us-corporate-payThis position will be open for a minimum of 5 days, with applications accepted on an ongoing basis until the position is filled.Microsoft is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity or expression, genetic information, immigration status, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances. If you need assistance with religious accommodations and/or a reasonable accommodation due to a disability during the application process, read more about requesting accommodations.