Senior Software Engineer, Card Solutions

About Reap

Reap 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 Team

Our 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 Role

As 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 do

• Design and build backend services for card transaction processing, fraud detection, and/or card program management
• Contribute to system architecture and technical decision-making with a focus on performance, fault tolerance, and maintainability
• Collaborate with cross-functional stakeholders (Product, Risk, Finance, Compliance) to deliver robust, compliant financial systems
• Write clean, observable, and well-tested code in a service-oriented architecture
• Participate in code reviews, incident response, and ongoing reliability improvements
• Help evolve our engineering practices, tools, and system designs as we scale

Areas You Might Work On

Depending on your fit and team needs, you could work in one of the following sub-teams:

Transaction & Risk

• Real-time transaction processing and authorization
• Fraud detection systems, 3DS flows, and risk scoring
• Chargebacks, transaction rules, and monitoring

Client Program Operations

• Pre-funding, balance tracking, and reconciliation tools
• Billing systems and fee pipelines
• Treasury and banking system integrations

Card Management & Logistics

• Card issuance, shipping workflows, and configuration
• Tokenization and wallet provisioning (Apple Pay, Google Pay)
• Self-serve client tools for card management

Developer Platform

• API gateway and authentication infrastructure
• Webhooks, observability, versioning, and sandbox environments
• Internal dev tools for debugging and testing

What we’re looking for

Minimum Requirements

• 6+ years of software engineering experience, ideally in fintech, infrastructure, or platform teams
• Experience building backend systems in a typed language (e.g., TypeScript, Java, Go, etc.)
• Solid grasp of distributed systems concepts: async processing, retries, observability, eventual consistency
• Strong judgment in balancing correctness, performance, and maintainability
• Ability to collaborate in cross-functional teams and communicate technical tradeoffs effectively
• Comfortable working in a fast-paced, evolving product environment

Preferred Qualifications

• Experience in card networks, 3DS, PCI, tokenization, or chargeback systems
• Built systems involving compliance or regulatory constraints
• Familiarity with Reap’s stack: TypeScript, Node.js, NestJS, AWS
• Worked in high-growth startups or platforms with external APIs

Why Join Reap?

• Be part of a global fintech team at the frontier of stablecoin innovation
• Work with a high-caliber team across engineering, product, and operations
• Lead impactful projects in a role with ownership and visibility

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