Posted on August 09, 2026 by Employer details Chexy Inc.
About the Role
At Chexy, we're reimagining how Canadians manage their largest expenses - like rent, tuition, and insurance - by transforming them into opportunities to build credit, earn rewards, and gain financial flexibility. We're the first platform in Canada that lets users pay nearly any bill using their credit card, while unlocking meaningful benefits like cashback, points, and credit-building tools. With $1B+ in annual payment volume and millions of transactions per month, we're building financial infrastructure that needs to be fast, reliable, and bulletproof.
What You'll Be Doing
Build and maintain payment processing systems handling inflows, outflows, and multi-rail settlement in Chexy Engine
Design and implement ledger systems using double-entry bookkeeping principles to ensure financial accuracy and auditability
Develop and optimize direct integrations with payment networks (Visa Direct, American Express) and banking systems (e-Transfer, PAD, Bill Pay, etc.)
Write clean, well-tested, production-grade code in NestJS and TypeScript following scalable architecture patterns
Design event-driven systems using Google Cloud Pub/Sub for reliable, asynchronous payment processing
Build APIs consumed by our web and mobile applications, ensuring performance and reliability at scale
Optimize database queries and schema design in PostgreSQL (Cloud SQL) using Prisma ORM
Implement caching strategies with Redis to handle high transaction volumes efficiently
Write comprehensive tests and participate in code reviews to maintain code quality standards
Collaborate with frontend, mobile, and infrastructure teams to ship features end-to-end
Participate in on-call rotations for production payment systems
Who We're Looking For
5+ years of backend engineering experience,
with at least 2+ years building production financial systems, payment processing, or high-volume transaction systems
Solid experience with NestJS, Node.js, and TypeScript in production environments
Deep understanding of relational databases (PostgreSQL preferred) including schema design, query optimization, and transactions
Experience with ORMs (Prisma experience is a plus)
Proven track record building and maintaining high-volume APIs and microservices
Understanding of event-driven architecture and message queues (Google Cloud Pub/Sub, Kafka, RabbitMQ, or similar)
Experience with financial systems concepts: ledgers, double-entry bookkeeping, reconciliation, idempotency, transaction integrity
Strong grasp of Redis or similar caching technologies for performance optimization
Experience with payment processing, banking integrations, or fintech products
Ability to write clean, maintainable, well-tested code with strong attention to detail
Strong communication skills and ability to collaborate across teams
Self-directed with ownership mentality? you take pride in shipping reliable, production-grade systems
Bonus Points
Direct experience with payment network integrations (Visa, Mastercard, Amex) or banking APIs
Experience with Google Cloud Platform (Cloud Run, Cloud SQL, Pub/Sub)
Familiarity with Terraform or infrastructure-as-code practices
Experience building ledger systems or working with accounting principles
Knowledge of Canadian payment systems (e-Transfer, PAD, Bill Pay)
Experience with API documentation (Swagger/OpenAPI)
Contributions to open-source projects in payments, fintech, or b
Job Location and Compensation
Location Toronto , ON
Work location On site
Salary $ 31.00 to $ 82.00 HOUR hourly
Terms of employment Permanent employment Full time
Starts as soon as possible
Source CareerBeacon #2578314
Advertised until
2026-09-09
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📌 software engineer (Ontario)
🏢 Chexy
📍 Ontario