---
title: 'Senior Payments Engineer at Incard'
canonical: 'https://feeny.ai/job/senior-payments-engineer-incard-london-642e79a7r0f4'
type: 'job'
last_seen: '2026-09-09'
---

# Senior Payments Engineer at Incard

- **Company:** Incard
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2025-12-15
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/incard/e03e9185-07b2-459b-88c8-0c40d7b20604

## Job description

## ABOUT INCARD

Incard’s mission is to build the financial operating system for entrepreneurs.

We are focused on creating a system where business banking, financial tools, and application logic are coordinated into a single control layer.

Through the app store, entrepreneurs and developers can build industry-specific functionality as their business evolves.

We are a lean, highly motivated team committed to engineering excellence. We operate within a flat organizational structure. All employees are expected to take a hands-on approach and contribute directly to the company's mission. Leadership is given to those who show initiative and consistently deliver excellence. All engineers are expected to have strong communication skills and should be able to share knowledge with their teammates clearly and concisely.

## ABOUT THE ROLE

We are looking for an exceptional Lead Engineer to lead the major re-architecture of our payments service, which will process billions of dollars each month.

As the technical leader, you’ll be instrumental in shaping the architecture and execution of the next generation of our payments service. Your expertise in distributed systems, secure transactions, and high-availability architectures will be essential in building a robust, scalable payments infrastructure.

## WHAT YOU'LL DO

- Design and implement core components for a high-scale, low-latency payments platform.
- Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
- Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
- Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
- Lead technical decisions related to architecture, scalability, security, and reliability.
- Collaborate with engineering, product, compliance, and infrastructure teams to deliver end-to-end solutions.
- Define and maintain high engineering standards, including best practices for testing, monitoring, and continuous deployment.
- Proactively identify and address technical risks in a complex, regulated environment.
- Develop comprehensive fraud protection mechanisms that provide robust controls for prevention, detection, and mitigation of financial fraud.

## WHO YOU ARE

- esign and implement core components for a high-scale, low-latency payments platform.
- Integrate new banking partners and payment providers, building reliable and maintainable connectivity across multiple rails.
- Work across FX, Payment Rails, Peer-to-Peer, and internal flow-of-funds services to deliver seamless payment experiences.
- Contribute to new product capabilities including Stablecoin Orchestration, Flex Card, and Invoice Financing.
- Lead technical decisions related to architecture, scalability, security, and reliability.
- Collaborate with engineering, product, compliance, and infrastructure teams to deliver end-to-end solutions.
- Define and maintain high engineering standards, including best practices for testing, monitoring, and continuous deployment.
- Proactively identify and address technical risks in a complex, regulated environment.
- Develop comprehensive fraud protection mechanisms that provide robust controls for prevention, detection, and mitigation of financial fraud.

Bonus

- Experience working with leading fintech bank integrations (e.g., Banking-as-a-Service providers, core banking platforms).
- Experience working on digital wallets, identity, or fraud detection systems.
- Familiarity with regulatory or compliance frameworks (e.g., PCI-DSS, AML/KYC).
- Experience using Temporal or similar workflow orchestration frameworks.

Tech Stack

- Golang
- Typescript
- Postgres
- Kafka
- Redis
- Kubernetes

## BENEFITS:

- Competitive cash-based compensation
- Incard stock options
- 25 days of paid time off per year, plus bank holidays and your birthday off
- Global health insurance and unlimited paid sick leave

## About Incard

## Company Overview
- **One-liner**: Incard is a financial platform for high-growth digital companies, offering multi-currency business accounts, corporate cards, and cash-flow management tools tailored for e‑commerce brands, agencies, and creators.
- **Entity Type**: Private (Series A)
- **Headquarters**: London, United Kingdom [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Founded**: 2020 [linkedin.com](https://uk.linkedin.com/company/incard)
- **Founders**: Theo Cesarini (CEO), Soraya Tribouillois (Co‑Founder & CFO), Matteo Martino (Co‑founder & COO) [linkedin.com](https://uk.linkedin.com/company/incard)

## Core Business
- **Primary industry**: Financial Services (Embedded finance / Fintech for e‑commerce)
- **Target customers**: B2B – e‑commerce brands, digital agencies, affiliates, resellers, and creators [linkedin.com](https://uk.linkedin.com/company/incard)
- **Mission / Purpose**: “Building the financial operating system for digital entrepreneurs” – reconfigure how entrepreneurs manage their finances by providing an all‑in‑one platform that replaces fragmented banking and payment tools [cbinsights.com](https://www.cbinsights.com/company/incard)

## Products & Services
- **Multi‑currency Business Accounts**: Supports global revenue streams with real‑time cash‑flow tracking and accounting automation. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Virtual & Mobile Wallet Cards**: Enables faster payments, higher limits, and 24/7 support for business spending. [linkedin.com](https://uk.linkedin.com/company/incard)
- **Ad‑Spend Rewards**: Incard offers rewards on advertising spend, helping customers reinvest in growth. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **App Store & AI Automation**: The company is developing an app store and investing in AI to further automate financial workflows. [cbinsights.com](https://www.cbinsights.com/company/incard)

## Market Standing
- **Valuation / Market Cap**: Not disclosed (private)
- **Key Metric**: Total funding raised – **$16.78M** (including a £10M / ~$13.69M Series A led by Smartfin in February 2026) [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Notable Investors/Partners**: SmartFin Capital (lead), Founders Capital, MountFund, SyndicateRoom, GE Ventures [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Growth Signals**:
  - Secured an **Electronic Money Institution (EMI) licence** from the UK’s FCA in early 2026, enabling direct issuance of e‑money and payment accounts [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Over **£500M** transacted on the platform by users to date [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Employee headcount grew **+70% year‑over‑year** (reaching 21 employees) [linkedin.com](https://uk.linkedin.com/company/incard)
  - Customers include brands like **Azio Beauty, Aloe Paris, and Ankhway** [cbinsights.com](https://www.cbinsights.com/company/incard)

## Competitive Advantages
- **EMI Licence**: Direct regulatory oversight by the FCA gives Incard autonomy to innovate in payments and card‑issuing without relying on a third‑party bank [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Specialised for e‑commerce**: Unlike general‑purpose neobanks, Incard is purpose‑built for digital entrepreneurs, integrating with major e‑commerce platforms and offering ad‑spend rewards [linkedin.com](https://uk.linkedin.com/company/incard)
- **All‑in‑one Financial OS**: Combines business accounts, corporate cards, cash‑flow management, invoicing, and ad spend in a single orchestration layer [cbinsights.com](https://www.cbinsights.com/company/incard)

## Strategic Focus
- **Expand product suite**: Continue building the “app store” and invest heavily in **AI and automation** to further simplify entrepreneurs’ financial workflows [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Scale customer base**: Capitalise on the EMI licence to offer faster, more flexible services to high‑growth e‑commerce brands and agencies across Europe [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Hiring & talent**: Active recruitment for senior engineering, product, compliance, and creative roles, with a focus on entrepreneurial‑minded team members [incard.com/careers](https://incard.com/careers)

## Why Work Here
- **Culture highlights**: Incard emphasises diversity (40% women, multiple nationalities) and an entrepreneurial, “win as a team” mentality [incard.com/careers](https://incard.com/careers)
- **Work policy**: Hybrid and in‑office options available; the London headquarters operates on an “in‑office” basis per Built In, though some roles are listed as hybrid [builtin.com](https://builtin.com/company/incard)
- **Engineering culture**: Strong investment in AI and automation; team size is small (~21 people) allowing for outsized impact; senior engineering roles open (Frontend, Backend, iOS, Android, Data/AI) [linkedin.com](https://uk.linkedin.com/company/incard) [jobs.ashbyhq.com](https://jobs.ashbyhq.com/incard)
- **Perks**: Not explicitly listed, but the company’s mission to “save time and money” for entrepreneurs reflects a practical, results‑oriented environment [incard.com/careers](https://incard.com/careers)

## Sources
1. [incard.com/careers](https://incard.com/careers) – Careers page with culture details and values
2. [cbinsights.com](https://www.cbinsights.com/company/incard) – Company profile, funding, EMI licence, and financial data
3. [uk.linkedin.com/company/incard](https://uk.linkedin.com/company/incard) – LinkedIn company page with headcount, revenue, and founding team
4. [builtin.com/company/incard](https://builtin.com/company/incard) – Office locations, job listings, and work‑policy details

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