Senior Software Engineer, Card Solutions

Senior Software Engineer, Card Solutions

Join to apply for the Senior Software Engineer, Card Solutions role at 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

Client Program Operations

Card Management & Logistics

Developer Platform

What we’re looking for

Minimum requirements

Preferred Qualifications

Why Join Reap?

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Seniority level

Not Applicable

Employment type

Other

Job function

Engineering and Information Technology

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