montilladev.com

Senior Software Engineer · Frontend Lead · Miami, FL

Building payment infrastructure, FinTech, AI agents, and e-commerce.

7+ years architecting financial SDKs, autonomous agents, and end-to-end web platforms.

Payment InfrastructurePayIn rails, Apple Pay, Google Pay, Tap to Pay & ACH
FinTech & Embedded SDKsWeb Components, MessageChannel & PCI-compliant UI
AI Agents & MCPDispute representment agents & Model Context Protocol
E-Commerce & SaaSCustom Shopify apps, QR ticketing & full-stack web
Francisco Montilla
Francisco MontillaSr. Software Engineer & Frontend Lead
Miami, FL
ReactTypeScriptNext.jsAI Dispute AgentsMCP ServersApple Pay & Google PayTap to Pay SDKShopify PolarisNode.jsGraphQLPostgreSQLAWS LambdaTailwind CSSWeb ComponentsReactTypeScriptNext.jsAI Dispute AgentsMCP ServersApple Pay & Google PayTap to Pay SDKShopify PolarisNode.jsGraphQLPostgreSQLAWS LambdaTailwind CSSWeb Components

Career Experience

Companies & full-time roles

Full resume →
Payabli
Full-Time · Current

Payabli ↗

Sr. Software Engineer & Frontend Lead · Miami, FL

2024 — Present

Leading frontend architecture for Payabli's PayIn ecosystem, shipping embedded payment SDKs, digital wallets, mobile Tap to Pay, and autonomous AI dispute agents.

Dispute AI Agents & MCP

Chargeback resolution & processor representment agents, plus an internal MCP server over Payabli APIs.

Express Checkout & SDK v2

Apple Pay & Google-certified Google Pay components, and Embedded SDK v2 with MessageChannel & Web Components.

Tap to Pay SDK & Check RDC

Mobile wrapper SDK over Fiserv Tap to Pay and camera-based Remote Deposit Capture (RDC).

Portals, SMS Paylinks & SSO

Customer & Vendor Portals, end-to-end SMS Paylinks with opt-in consent, and Google OAuth SSO via AWS Lambda.

AI Dispute AgentsMCP ServersEmbedded SDKApple Pay & Google PayTap to Pay SDKReactTypeScriptAWS Lambda

End-to-End Projects

Platforms engineered from scratch

View all →

Freelance Profiles

Direct hiring & global consulting

Blog

Engineering & AI articles

View blog →

Let's talk about payments, FinTech, AI agents, or a new project.