allpay · Software Engineer
Updated · 2026-09-24

allpay Software Engineer
Interview Questions & Guide 2026

THE 60-SECOND BRIEF

As a Software Engineer at allpay, you are at the heart of delivering robust, secure, and scalable payment solutions. Your work directly impacts the financial stability and operational efficiency of the clients and communities allpay serves. Whether you are working on core payment processing systems or supporting infrastructure, your contributions ensure that complex financial transactions remain seamless and reliable.

Treat capacity estimation as a conversion skill rather than a table to memorise: turn a user count and an action rate into requests per second and bytes per day, then name the component that number breaks first. The figure only matters if it changes the design.

allpay candidates report 1 rounds · ≈ 2-4 weeks. The stages below are what candidates describe, not a published process.

Detect concurrent edits instead of losing writesTrace a symptom to a mechanism under loadMake every write idempotent under retry

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See the practice prompts

13Practice promptsAcross five skill areas
3With worked solutionsIncluded in the practice prompts

As a Software Engineer at allpay, you are at the heart of delivering robust, secure, and scalable payment solutions. Your work directly impacts the financial stability and operational efficiency of the clients and communities allpay serves. Whether you are working on core payment processing systems or supporting infrastructure, your contributions ensure that complex financial transactions remain seamless and reliable.

This role requires a blend of technical precision and a commitment to quality. You will be expected to bridge the gap between abstract requirements and high-performance software, often working within a collaborative team that values stability and maintainability. Given the nature of the financial services industry, your work will be scrutinized for accuracy, making your ability to write clean, testable, and secure code a primary driver of your success.

01

Initial Screening Call

reported

Half of this call is the part candidates treat as small talk: start date, notice period, work authorisation and its timing, location and time zone, on-call, and the number. Those are what kill offers late, after several engineers have each spent a day. Surfacing a hard constraint now costs you nothing and occasionally buys you something, since a loop compressed to fit a competing deadline can usually only be arranged if it is asked for early. The common failure is deflecting the compensation question twice, then discovering at offer stage that the band never reached your number.

What to demonstrate

  • Whether your hard constraints are compatible with the role before a loop gets booked: earliest start, notice period, what authorisation you hold and when it needs action, days on site, willingness to carry a pager
  • Whether you give a compensation range with something behind it, such as current total compensation or a competing timeline, rather than leaving the band untested
  • Whether your stated timeline is real, since a competing deadline raised now is something scheduling can sometimes work around and the same deadline raised at offer stage usually is not

How to prepare

  • Write each constraint down in one line before the call and state them as facts rather than negotiating them live under a question you were not expecting
  • Set your range from two or three current data points for that level and location, and name the structure you are quoting in, so the number is comparable to the one they are holding
  • If another process is running, say where it stands and by when, and ask directly whether this loop can be scheduled inside that window
PracHub interview research ↗

PracHub editorial advice for the preparation topics above.

01

Shipping a migration and the code that depends on it as a single change

During any rolling deploy, and for as long as a rollback remains possible, old and new code execute against the same schema at the same time. A migration that drops or renames a column breaks every instance that has not restarted yet, and code that requires a column the migration has not applied breaks every instance that restarted early. The discipline is expand then contract: add the new column nullable, write both shapes, backfill in batches, move reads across once the backfill is verified, and only then stop writing the old shape and drop it - four deploys, usually spread over days. It feels disproportionate until the first rollback, at which point it is the only reason the previous version still runs.

02

Paginating with LIMIT/OFFSET over a set that changes while the client is reading it

OFFSET n makes the database produce and discard n rows before returning anything, so the cost of a page grows with its depth rather than with its size and page 500 costs five hundred pages of work. The correctness problem is worse than the cost: if a row is inserted or reordered between two page fetches, rows shift across the offset boundary and are either skipped entirely or returned twice, and neither outcome leaves any trace in the response for the client to detect. Keyset pagination - WHERE (sort_key, id) < ($last_sort_key, $last_id) ORDER BY sort_key DESC, id DESC LIMIT n, backed by an index in exactly that order - reads only the rows it returns and is stable against concurrent inserts. It requires the tie-break column: a timestamp is not unique, and duplicate sort keys straddling a page boundary reintroduce the skip it was adopted to remove.

03

Hardcoding to the sample inputs

Solve the stated problem rather than the two examples; special-casing a literal to make a sample pass is obvious immediately and reads as either a misunderstanding or an attempt to fake progress. If you genuinely cannot generalise yet, say which part is a stub and what would replace it.

04

Designing for a scale nobody asked for

Ask for request rate, data size, read-to-write ratio and expected growth, then size the simplest option first; one relational instance on current hardware covers a large share of real workloads. Reaching for shards, queues and a cache tier before any number has been quoted reads as pattern-matching rather than judgement.

Choose a category, try a prompt, then open its approach, worked solution or follow-up when you need it.

10 technical prompts3 include a worked solution

Canonicalise a request body into a stable idempotency fingerprint

mediumWorked solution
parsingcanonicalisationhashing

idempotency_key.request_fingerprint is a SHA-256 over the method, path and canonicalised body, and a retry whose fingerprint differs must be rejected with 422 rather than served the stored response. Write the canonicaliser. Bodies are JSON up to 256 KB nested at most 32 levels; clients vary key order, whitespace and unicode escaping, and some send 64-bit ids as JSON numbers. Produce a deterministic byte string such that semantically identical bodies match and any semantic difference does not. State your complexity and name two normalisations you refuse to perform.

Approach
  1. Parse once into a tree, then re-serialise under fixed rules: object keys sorted, array order preserved, one escaping convention, no insignificant whitespace. Parsing is O(n) and sorting keys is O(k log k) per object, so O(n log n) overall with O(depth) stack, and the 32-level cap is enforced during parsing because hostile nesting is how a canonicaliser becomes a stack overflow.
  2. Sort keys by their UTF-8 bytes and say why the obvious implementation is wrong in some runtimes: a default string comparison that orders by UTF-16 code units places surrogate pairs, meaning code points from U+10000 up, below U+E000 to U+FFFF, which is not UTF-8 byte order, so two services written in different languages disagree on the same document.
  3. Do not re-encode numbers through a double. IEEE-754 binary64 represents integers exactly only up to 2^53, so normalising a 19-digit id through a float changes it, and 1 against 1.0 cannot be reconciled without deciding whether they are the same value. Preserve the literal token, and require ids as strings at the API boundary if you want them comparable.
  4. Reject duplicate keys rather than picking one. JSON permits them and parsers disagree, most keeping the last, so any choice you make ties the fingerprint to a parser detail that the code handling the request does not necessarily share.
  5. Frame the hash preimage so concatenation cannot collide: delimit or length-prefix the method, path and body, otherwise one request's fields can be rearranged into another request with the same byte stream and the same fingerprint.
  6. Name the refusals and their consequence: no case folding, no dropping of null-valued keys, no Unicode normalisation. Each makes two different requests fingerprint alike, and the resulting failure is the worst one this table has, since the second request is answered with the first one's stored response and its effect never happens.
Worked solution 25 min
  1. Write the serialiser: recursive emit with a depth counter, objects sorted by UTF-8 key bytes, arrays in order, strings escaped by one fixed rule, numbers emitted as their original token.
  2. Run it over three bodies: the same object with keys reordered, the same object with \u0041 written as A, and one with a nested array reversed. The first two must produce identical bytes and the third must not.
  3. Take the id 9007199254740993, round-trip it through a double, show it returns as 9007199254740992, then state the rule that prevents this.
  4. Define the hash preimage explicitly with its delimiters, and construct a pair of (path, body) inputs that would collide without them.
EXPECTED RESULTA canonicaliser that is O(n log n) in body size with an enforced depth cap, sorts keys by UTF-8 byte order, preserves array order, keeps number literals verbatim, rejects duplicate keys, and feeds a delimited preimage to SHA-256, together with a stated list of normalisations deliberately not performed and the failure each would cause.
Follow-up
  • A client sends the same logical request with an extra field your API ignores. Same key, different fingerprint, so you return 422. Is that the right answer?
  • Where does the fingerprint get computed relative to request decompression and the body-size limit?
  • The endpoint takes 1,000 requests per second with 256 KB bodies. What does hashing cost, and does it belong at the edge or in the core service?

Identify the heaviest tenants in a five-minute window under memory pressure

medium
top-kheavy hittersstreaming

The edge service handles about 3,000 requests per second across roughly 50,000 tenants, peaking near 9,000. Expose the 50 heaviest tenants by request count over the trailing five minutes so limits can be tightened before one tenant's backfill starves the fleet. You may not retain five minutes of raw records. Give the exact solution and its memory, then the bounded-memory approximation with its error stated as a formula, and say which you would ship and at what tenant cardinality that choice changes.

Approach
  1. Do the exact version first, because it is affordable at this cardinality: a ring of 300 one-second counters per tenant, advanced lazily, is 1,200 bytes of counters per tenant and roughly 60 to 90 MB for 50,000 tenants with overhead. Carry a running total and subtract the bucket you overwrite so a window read is O(1) rather than 300 adds.
  2. Extract the top 50 with a size-k min-heap over the tenant sums: O(d log k) for d tenants, against O(d log d) to sort them all. Maintaining the heap continuously instead of on query requires a tenant-to-heap-index map, because incrementing a count already inside the heap means sifting from a known position, and without that map you rebuild the heap on every request.
  3. State the approximation precisely rather than gesturing at sketches. Misra-Gries with m counters retains every item whose true count exceeds N/(m+1), and each retained count underestimates the truth by at most N/(m+1). With m = 1,000 and N = 900,000 requests in the window the error is roughly 900 requests, which is fine for spotting a tenant sending 50,000 and useless for ranking two tenants 200 apart.
  4. Say what breaks when the window slides: Misra-Gries and Space-Saving are insert-only and cannot be decremented as records age out. The workable construction is one summary per sub-window, say ten seconds, with 30 summaries merged at query time, and the merged error is the sum of the per-summary errors, so the bound degrades linearly in the number of sub-windows.
  5. Choose and defend it: at 50,000 tenants the exact rings cost under 100 MB in a process that already holds more, so ship exact. Keep the sketch for the case that actually motivates it, a per-principal or per-IP key where cardinality runs to millions and is not bounded by anything you control.
  6. Raise the fleet problem before it is asked: each of 20 to 40 instances sees only its share, and the top 50 of one shard is not the top 50 of the fleet. Either aggregate counts centrally or accept that a per-instance threshold multiplied by instance count is the limit you are really enforcing.
Follow-up
  • The heaviest tenant is heavy because of one export job rather than user traffic. Should the limiter treat those as the same tenant?
  • Two tenants sit tied at the boundary of the top 50. Does your answer flap, and does the flapping matter?
  • You switch to per-principal keys and cardinality goes to 10 million. Walk through what changes.

Collapse a redelivered event batch into per-aggregate high-water marks

easy
hashingat-least-onceaggregation

You drain a batch of up to 5,000,000 events, each (aggregate_id BIGINT, aggregate_version INT, event_type, payload). The log guarantees order within one aggregate only; the batch merges 64 partitions, and a relay failover has redelivered a range, so an older version for an aggregate can appear after a newer one. Given a map of last_applied_version per aggregate, produce the events worth applying, at most one per (aggregate_id, version), plus the count discarded. Target O(n) time. State the memory for 2,000,000 distinct aggregates and what you do when it does not fit.

Approach
  1. One pass, one hash map from aggregate_id to the highest version kept, and a discard counter. An event whose version is at or below last_applied_version for its aggregate is dropped without further work, which is the whole reason the event carries its version rather than a delta. O(n) expected time, O(d) space in distinct aggregates.
  2. Keep the maximum, never the last occurrence. The redelivered range means the final appearance of an aggregate in the batch can be an older version than one seen earlier in the same batch, so last-wins applies stale state over newer state and the projection regresses with no error anywhere.
  3. Cost the memory instead of calling it large: an 8-byte key plus a 4-byte version is 12 bytes of payload, and an open-addressed table held at a 0.7 load factor costs roughly 17 bytes per entry before per-slot metadata, so 2,000,000 aggregates is tens of megabytes in a native layout and several times that in a runtime that boxes both key and value.
  4. If the distinct set exceeds memory, partition on hash(aggregate_id) mod P and reduce each partition independently. Every event for one aggregate hashes to the same partition, so the per-partition result is exact and the merge is concatenation rather than a second reduction.
  5. Reject sorting the batch by (aggregate_id, version) as the default. It is O(n log n) and buys nothing, because max is associative and commutative and needs no ordering; sorting earns its cost only when the downstream consumer must receive the events in order rather than a per-aggregate winner.
  6. Separate the two mechanisms out loud: in-batch deduplication does not make the consumer idempotent, because the same event redelivered tomorrow arrives in a different batch entirely. The projection write itself still has to be keyed on (aggregate_id, version).
Follow-up
  • The payload is a patch rather than a snapshot, so applying only the highest version loses the intermediate changes. What changes in your reduction?
  • How do you detect that version 7 arrived while version 6 was never delivered, and what should the consumer do about the gap?
  • Two events for one aggregate carry the same version with different payloads. Which one is wrong, and how would you find out?

For someone fluent in a dynamic language who has shipped real work but has never had to say what the runtime is doing underneath. The week is built on measuring and deliberately breaking things, because the questions that expose this background are the ones where the interviewer asks why a second time.

Small steps. Visible outcomes.0 / 7 completed
ONE WEEK · YOUR PACE

Prepare, practise & reflect

One practical outcome each day. Spend longer where you need it.

0 / 7 done
01Measure before reasoning
  • Take a slow piece of your own code, write down in advance where you believe the time goes, then profile it and record how wrong the guess was. The cost is usually an allocation you did not notice or an accidental quadratic membership test.
  • Replace one list membership test inside a loop with a set and measure at a thousand, ten thousand and a hundred thousand elements, confirming the shape of the curve rather than only that it got faster.
  • Write down the three quantities you can now measure instead of assert: wall time, peak memory, and call count for the function you suspected.

Deliverable: A before-and-after profile of real code plus a written note on the size of the gap between the guess and the measurement.

Practice prompt ↗Practice prompt ↗Worked solution ↗
02References, copies, and the bugs they produce
  • Write the function with a mutable default argument, call it three times, and explain the accumulating result: the default is evaluated once when the function is defined, so every call shares one object.
  • Build a nested structure, take a shallow copy, mutate an inner element, and show that both views changed, because a shallow copy duplicates the container and not the elements. Then fix it with a deep copy and state the cost you just accepted.
  • Write two functions, one mutating its argument in place and one rebinding the local name, and predict the caller's view of each before running it. That single distinction produces most of the bugs that pass their tests.

Deliverable: Three small programs whose output you predicted correctly before running, each with a one-line statement of the rule underneath.

Practice prompt ↗Practice prompt ↗
03Types, once, in a language that checks them
  • Port one module you have already written, roughly a hundred lines, into a statically typed language, and record every place the compiler demanded an answer your original had left implicit: a value that can be absent, a numeric width, a case never handled.
  • Write the same signature in both languages and state what the static one guarantees before the program runs and what it does not, since it will not save you from a wrong algorithm or an index out of range.
  • Write the difference between an interface satisfied by declaration and one satisfied structurally, with one case each where the other approach would miss the mistake.

Deliverable: One module in two languages plus a list of the questions the type checker forced you to answer.

Practice prompt ↗Practice prompt ↗
04Concurrency, starting with what actually runs at the same time
  • Run the same CPU-bound function across four threads and four processes and measure both. Under the default CPython build the threaded version will not speed up, because only one thread executes bytecode at a time; the process version will. Check which build you are on first, since free-threaded builds remove that lock and change the result.
  • Then run a blocking I/O workload across four threads and measure it speeding up, because the interpreter releases that lock around blocking calls, which is why treating threads as useless is wrong as a general claim.
  • Build the lost update: two threads each incrementing a shared counter a hundred thousand times, and show a final value below the expected sum, because an increment is a load, an add and a store and the thread can be suspended between them. Fix it with a lock and then measure what the lock costs.

Deliverable: Three measurements, threads against processes on CPU work, threads on I/O work, and a demonstrated lost update, each with the mechanism written underneath.

Practice prompt ↗Practice prompt ↗Worked solution ↗
05Debugging as a procedure rather than an instinct
  • Work one real failure as a bisection: find a revision or an input size where it is good and one where it is bad, halve repeatedly, and state the two assumptions bisection needs, that the property changes exactly once across the range and that the test is reliable.
  • Minimise one failing input to the smallest version that still fails, and record how many rounds it took.
  • Keep a hypothesis log for one bug in three columns, what I believe, what would disprove it, what I observed, and stop yourself the first time you are about to change two things at once.

Deliverable: One bug worked to root cause with a written hypothesis log and a minimised reproducing input.

Practice prompt ↗Practice prompt ↗
06Tests that catch the bug you are about to write
  • Implement an LRU cache with a capacity bound, then write the three test cases that would catch an off-by-one in eviction: insert exactly capacity items and assert nothing was evicted, insert one more and assert the least recently used key is the one gone, and read an old key just before that insert so the eviction victim changes.
  • Add a property test comparing your implementation against a deliberately slow reference, an ordered list scanned linearly, over a few thousand random operation sequences, because a slow reference finds the cases you would not have thought to write.
  • Write one numeric test that fails under exact equality and passes with a tolerance, and state why the tolerance has to be relative rather than absolute once the magnitudes grow.

Deliverable: An LRU implementation with three boundary tests, one property test against a slow reference, and one tolerance-based numeric test.

Practice prompt ↗Practice prompt ↗
07Debug something broken, out loud
  • Have someone plant three defects in a two-hundred-line program, an off-by-one, a shared mutable state bug, and a wrong error-handling path, then find them while narrating, under a fixed rule: state the hypothesis before touching anything.
  • Time each one and record which tool found it, reading, a printed value, a debugger, or a test, because the question asked in interviews is how you would find it rather than what it was.
  • Write the sentence you will use when you do not yet know the cause, one that names the next measurement instead of offering a guess.

Deliverable: A recorded debugging session with time-to-find per defect and the method that found each.

Practice prompt ↗Worked solution ↗

Expand any day for tasks and deliverables. Your progress is saved on this device.

Every story you tell gets read for blast radius and judgement: what could have broken, who else it touched, what you knew at the moment you decided. Nobody can audit your code in an hour, so they audit your reasoning instead. Pick work where the call was genuinely yours and the consequences were real enough to remember.

What are your experiences with specific testing frameworks or methodol…

medium
behavioural and engineering judgement

What are your experiences with specific testing frameworks or methodologies?

Approach
  1. Close with what you would do differently, concretely.
  2. State the situation in two sentences and spend the rest on the reasoning.
  3. Give the blast radius: what could have broken, and what you measured.
Follow-up
  • How did you know your change caused the improvement?
  • What did you decide not to do, and why?

Describe a time you implemented automation in your testing workflow.

medium
behavioural and engineering judgement

Describe a time you implemented automation in your testing workflow.

Approach
  1. Name the disagreement and how you resolved it with evidence.
  2. Close with what you would do differently, concretely.
  3. Give the blast radius: what could have broken, and what you measured.
Follow-up
  • How did you know your change caused the improvement?
  • What did you decide not to do, and why?

Turn a code review disagreement into a decision

easy
code reviewoptimistic concurrencycommunication

A colleague's change updates a row with UPDATE resource SET version = version + 1 WHERE resource_id = $1 AND version = $2 and treats an affected-row count of zero as a successful no-op. You read that as a silently lost update; they think returning 200 is friendlier to clients than returning a conflict. Describe how you have handled a review disagreement of this shape: what goes in the comment, when you leave the thread, and who decides. Then write the comment you would leave here, in under 80 words.

Approach
  1. Sort the disagreement before writing anything. A silently discarded write is a correctness claim about data; the choice between 409 and 412 is taste. Only the first justifies blocking a merge, and saying which one you are doing is most of the value of the comment.
  2. Make the claim reproducible in the comment itself with an interleaving rather than a principle: A reads version 7, B reads version 7, B commits version 8, A's predicate matches zero rows, A is told it succeeded and A's edit is gone.
  3. Offer the alternative with its cost attached: return 409 carrying the current version and the revision that won, so the client can re-read and re-apply. Note that automatic retry is not the fix, because a retry re-reads the winner's state and reapplies an intent formed against data that no longer exists.
  4. Apply an escalation rule you can state: two round trips on the thread, then a call, and the service's owner decides rather than the reviewer. A reviewer who cannot be overruled is a bottleneck with extra steps.
  5. Close in writing wherever the decision lands, so the next reader finds the reasoning in the code or the ticket instead of in a collapsed review thread.
Follow-up
  • Where would you put the test that fails if someone reintroduces the swallowed zero rowcount?
  • The author says clients cannot handle a 409. How do you check whether that is true?
  • How do you handle the same review comment when the author is more senior than you and in a hurry?
  • 01

    What are your experiences with specific testing frameworks or methodologies?

  • 02

    Describe a time you implemented automation in your testing workflow.

  • 03

    A colleague's change updates a row with UPDATE resource SET version = version + 1 WHERE resource_id = $1 AND version = $2 and treats an affected-row count of zero as a successful no-op. You read that as a silently lost update; they think returning 200 is friendlier to clients than returning a conflict. Describe how you have handled a review disagreement of this shape: what goes in the comment, when you leave the thread, and who decides. Then write the comment you would leave here, in under 80 words.

PracHub interview preparation framework ↗
Is this an official allpay interview guide?

No. It is PracHub's own research and practice material for the Software Engineer role at allpay. Rounds and questions reflect what candidates have reported, not a process allpay has published, and they change over time. Confirm the current format and scope with your recruiter.

PracHub interview research ↗
What is the typical duration of the interview process?

Timing can vary depending on the specific team and role. You can generally expect to move from the screening phase to subsequent discussions within a few weeks.

PracHub interview research ↗
What makes a candidate stand out?

Successful candidates distinguish themselves by demonstrating a deep understanding of the "why" behind their technical choices and showing a genuine passion for writing high-quality, maintainable code.

PracHub interview research ↗
Is there a specific focus on financial domain knowledge?

While prior experience in finance is beneficial, it is not always a requirement. Candidates report that strong engineering fundamentals and the ability to learn and adapt to allpay's industry-specific challenges carry weight.

PracHub interview research ↗
Sources & methodology 3 sources ↗

No official company page is cited. Rounds and questions come from candidate reports and PracHub editorial material; each source shows the date it was read.