Senior Software Engineer, Card Solutions

Senior Software Engineer, Card SolutionsJoin to apply for the Senior Software Engineer, Card Solutions role at ReapSenior Software Engineer, Card SolutionsJoin to apply for the Senior Software Engineer, Card Solutions role at ReapGet AI-powered advice on this job and more exclusive features.About ReapReap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.About ReapReap is a global financial technology company headquartered in Hong Kong with employees across multiple countries. We enable financial connectivity and access for businesses worldwide by combining traditional finance with stablecoins for efficient money movement.Through our stablecoin-powered corporate cards, payments, and expense management tools, we streamline financial operations and help businesses scale. Our APIs enable businesses to integrate stablecoin-enabled finance into their own products and services—from issuing Visa cards to facilitating cross-border payments.Backed by leading investors including Index Ventures and HashKey Capital, Reap is building the future of borderless, stablecoin-enabled finance.About The TeamOur platform empowers businesses with borderless card issuing, seamless payments, and rich expense management tooling. At the core of our offering is the Reap Card—a modern, stablecoin-enabled Visa commercial card solution that unlocks flexible spend controls, global acceptance, and real-time reconciliation.We also offer a flexible Card Issuing API and white-labelled infrastructure, enabling partners to embed card programs directly into their products. Whether through our dashboard or programmable APIs, Reap helps businesses scale with secure, compliant, and developer-friendly financial tools.About The RoleAs a Senior Software Engineer in the Card Engineering team, you’ll help build the foundation of Reap’s card platform—designing, developing, and operating services that power card transactions, fraud detection, card lifecycle management, and developer-facing APIs.You’ll be a key contributor in a high-ownership, cross-functional environment, working closely with product managers, designers, compliance, and other engineers. From authoring transaction workflows to implementing scalable event-driven services, your work will shape the core infrastructure used by clients, partners, and developers globally.This role is ideal for engineers who enjoy solving real-world financial problems at scale, care deeply about system correctness and resiliency, and thrive in fast-moving, collaborative teams.What you’ll doDesign and build backend services for card transaction processing, fraud detection, and/or card program managementContribute to system architecture and technical decision-making with a focus on performance, fault tolerance, and maintainabilityCollaborate with cross-functional stakeholders (Product, Risk, Finance, Compliance) to deliver robust, compliant financial systemsWrite clean, observable, and well-tested code in a service-oriented architectureParticipate in code reviews, incident response, and ongoing reliability improvementsHelp evolve our engineering practices, tools, and system designs as we scaleAreas You Might Work OnDepending on your fit and team needs, you could work in one of the following sub-teams:Transaction & RiskReal-time transaction processing and authorizationFraud detection systems, 3DS flows, and risk scoringChargebacks, transaction rules, and monitoringClient Program OperationsPre-funding, balance tracking, and reconciliation toolsBilling systems and fee pipelinesTreasury and banking system integrationsCard Management & LogisticsCard issuance, shipping workflows, and configurationTokenization and wallet provisioning (Apple Pay, Google Pay)Self-serve client tools for card managementDeveloper PlatformAPI gateway and authentication infrastructureWebhooks, observability, versioning, and sandbox environmentsInternal dev tools for debugging and testingWhat we’re looking forMinimum Requirements6+ years of software engineering experience, ideally in fintech, infrastructure, or platform teamsExperience building backend systems in a typed language (e.g., TypeScript, Java, Go, etc.)Solid grasp of distributed systems concepts: async processing, retries, observability, eventual consistencyStrong judgment in balancing correctness, performance, and maintainabilityAbility to collaborate in cross-functional teams and communicate technical tradeoffs effectivelyComfortable working in a fast-paced, evolving product environmentPreferred QualificationsExperience in card networks, 3DS, PCI, tokenization, or chargeback systemsBuilt systems involving compliance or regulatory constraintsFamiliarity with Reap’s stack: TypeScript, Node.js, NestJS, AWSWorked in high-growth startups or platforms with external APIsWhy Join Reap?Be part of a global fintech team at the frontier of stablecoin innovationWork with a high-caliber team across engineering, product, and operationsLead impactful projects in a role with ownership and visibilityAfter submitting your application, please check your inbox for a confirmation email. If you don't see it, kindly check your spam or junk folder and adjust your settings to ensure future communication reaches your inbox. You can follow the steps here.Seniority levelSeniority levelMid-Senior levelEmployment typeEmployment typeFull-timeJob functionJob functionEngineering and Information TechnologyReferrals increase your chances of interviewing at Reap by 2xGet notified about new Senior Software Engineer jobs in Toronto, Ontario, Canada.Frontend Software Engineer (Remote - Canada)Full Stack Software Engineer (Remote Canada)Entry Level Software Engineer - Full Stack, Infrastructure (WebCore) (Remote - Canada)Intermediate Fullstack Developer (Ruby & React)- EHRToronto, Ontario, Canada CA$140,000.00-CA$160,000.00 22 hours agoSoftware Engineer, Backend - (Consumer - Products)Senior Software Engineer-Full Stack Developer (AWS)Senior Software Engineer - STCE New ProductsWe’re unlocking community knowledge in a new way. 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