--- title: 'Senior Software Engineer - Cards at Mercury' canonical: 'https://feeny.ai/job/senior-software-engineer-cards-mercury-san-francisco-ca-new-york-ny-portland-or-kj3dgna4jspq' type: 'job' last_seen: '2026-10-25' --- # Senior Software Engineer - Cards at Mercury - **Company:** Mercury - **Location:** San Francisco CA New York NY Portland OR OR Within Canada OR, United States - **Compensation:** $157k–$208k - **Work type:** remote - **Posted:** 2026-10-23 - **Last confirmed live:** 2026-10-25 - **Apply:** https://job-boards.greenhouse.io/mercury/jobs/6233820004 ## Job description As the story goes, in 1949 Frank McNamara finished dinner at a New York restaurant and found he'd left his wallet in another suit. His fix was a card that let members eat now and pay later. That card became Diners Club, widely credited as the first multipurpose charge card. It was a piece of cardboard and a promise: the restaurant trusted the card, the card trusted the member, and someone had to make sure the money actually moved. More than seventy-five years later, the promise hasn't changed, but the machinery has. When a Mercury customer taps their card, the request goes from the merchant's terminal through an acquirer and a card network to us. In a fraction of a second, we check the balance, apply the customer's spend controls, screen for fraud and say yes or no. After that comes clearing, settlement, disputes and reporting, and every cent has to reconcile. Cards are the way Mercury customers spend money. The Cards Integration team owns the whole Mercury card, not just the swipe: issuance, physical card shipping, spend controls, lifecycle management, authorization, money movement, settlement and reporting, and the infrastructure underneath. We're a full-stack team, and our job is to make the Mercury Debit and IO cards reliable, correct, useful, and innovative. We're looking for a Senior Software Engineer who thinks deeply about systems architecture, cares about the customer experience, and will dive into any problem to move the team forward. We value high ownership, working in pairs and teams rather than alone, and attention to detail. Those matter when you run systems held to four nines of reliability, and everyone around you will care about them too. In this role, you will - Lead projects from idea to tech spec to implementation to launch, working with your PM, EM, tech lead, and teammates at each stage. When you lead a project, it's yours to see through. - Learn how debit and credit cards actually work under the hood (authorization, clearing, settlement, disputes) and use that knowledge every day. - Build features across the stack, from the card experiences customers use to the backend systems that move money. - Help keep our operations excellent. Our systems are some of the most observable at Mercury, and with great observability comes great responsibility. - Mentor other engineers and raise engineering quality through design reviews, code reviews, and collaboration. - Work with product, design, operations, risk, compliance, sales, and many other teams. You should - Have strong full-stack experience, a product mindset, systems thinking, and a knack for getting things across the line. - Have made architectural decisions on complex systems, and be able to explain your reasoning and the trade-offs. - Be excited to put new features in customers' hands, and care just as much about keeping existing ones working like a charm. - Care about correctness in systems where failure has real financial consequences. - Communicate clearly, handle ambiguity well, and enjoy mentoring others. - Be comfortable with our tech stack (Haskell and TypeScript) or be ready to learn. - Bonus: experience in fintech, payments, or card issuing. We encourage you to try our [demo site](https://demo.mercury.com/dashboard) if you're interested in applying for the role. *Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role. ## #LI-ES1 Total Rewards The total rewards package at Mercury includes base salary, equity (stock options/RSUs), and benefits. Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers. Our target new hire base salary ranges for this role are the following: US employees (any location): $166,600—$208,300 USD Canadian employees (any location): $157,400—$196,800 USD ## About Mercury ## Company Overview - **One-liner**: Mercury provides banking and financial workflow solutions for startups and ambitious companies. - **Entity Type**: Private (venture-backed) - **Headquarters**: San Francisco, California, USA (offices also in New York, NY and Portland, OR) - **Founded**: Not publicly available - **Founders**: Not publicly available ## Core Business - **Primary industry/industries**: Fintech, Business Banking, Financial Operations - **Target customers**: B2B – primarily startups and growing companies - **Mission or purpose statement**: “Transformative banking for ambitious entrepreneurs” – making banking better and simplifying financial operations so businesses can focus on growth. ## Products & Services - **Mercury Banking**: A powerful business bank account (checking, savings, debit and credit cards) that serves as the nucleus of financial operations. (Service) - **Bill Pay & Spend Management**: Tools to pay bills, send invoices, monitor spending, and understand cash flow – all from one platform. (SaaS/Service) - **Financial Operations Platform**: Integrates payments, invoices, bill pay, cash flow monitoring, and spend management into a single dashboard. (SaaS) ## Market Standing - **Valuation/Market Cap**: Not publicly available - **Key Metric**: Over 200,000 startups use Mercury; employees count exceeded 1,000 (950+ as of one source, 919 U.S.-based employees reported by Great Place to Work). - **Notable Investors/Partners**: Backed by top-tier venture capitalists (specific names not disclosed in available sources). Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust (Members FDIC). - **Growth Signals**: - Within days of Silicon Valley Bank’s failure (March 2023), Mercury picked up more than $2 billion in deposits and retained 92% of those customers six months later. - Recognized on Fortune’s Best Medium Workplaces 2023 (ranked 16th), Forbes Fintech 50, and Fast Company’s Most Innovative. - 96% of employees say Mercury is a great place to work (Great Place to Work certified). ## Competitive Advantages - **All-in-One Financial Hub**: Combines banking, payments, bill pay, and spend management in one platform, reducing the need for multiple tools. - **Startup-First Design**: Built specifically for high-growth companies, with features that scale from early stage to established enterprise. - **High Customer Retention**: Proven stickiness after the SVB crisis demonstrates strong trust and product-market fit. - **Top-Tier Backing and Recognition**: Endorsed by leading investors and media, reinforcing credibility. ## Strategic Focus - **Product Expansion**: Continuing to build out financial workflows (bill pay, spend management) to become the single source of truth for business finance. - **AI Integration**: Hiring for roles like Senior Machine Learning Operations Engineer, AI Engineering, and Model Risk Manager – indicating a push to embed AI/ML into products and internal processes. - **Remote-First Talent**: Embracing a remote-first culture with physical offices in SF, NY, Portland, and hiring across the US and Canada. ## Why Work Here - **Culture & Values**: Emphasizes “build relentlessly,” “think actively,” “be super helpful,” and “act with humility.” Employees report a strong sense of purpose and collaboration. - **Remote & Hybrid Flexibility**: Remote-first with optional in-office hubs. Open roles are listed as “Any office or remote” in the US and Canada. - **Benefits Package**: - Health, dental, vision insurance - 12+ weeks paid parental leave - $600 custom work-from-home equipment setup - Annual $1,000 learning & development budget - Paid 6-week sabbatical after 5 years - Weekly $100 food budget - Monthly $100 wellness budget - Monthly $50 cellphone reimbursement - Unlimited vacation (with mandatory minimum) - 401(k) matching up to 4% of base salary - Inclusive fertility and family-forming benefits (Carrot Fertility) - Pet-friendly offices with free lunch, snacks, and beverages - **Growth Opportunities**: 950+ employees (as of one source) and growing; strong commitment to career development and high-impact work. - **Diversity & Inclusion**: Stated priority to embrace every individual and provide tools for great work. ## Sources 1. [mercury.com/jobs](https://mercury.com/jobs) – Benefits, culture, open roles 2. [mercury.com/about](https://mercury.com/about) – Company overview, values, press mentions, Forbes quote 3. [job-boards.greenhouse.io/mercury](https://job-boards.greenhouse.io/mercury) – Current job listings 4. [linkedin.com/company/mercuryhq/jobs](https://www.linkedin.com/company/mercuryhq/jobs) – LinkedIn jobs page 5. [greatplacetowork.com/certified-company/7025113](https://www.greatplacetowork.com/certified-company/7025113) – Employee satisfaction certification, headcount ## Other roles at Mercury - [Frontend Engineer - Design Systems](https://feeny.ai/job/frontend-engineer-design-systems-mercury-san-francisco-ca-new-york-ny-portland-0pkm87gq0pe2) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Recruiter - Technical](https://feeny.ai/job/recruiter-technical-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-5nfm2s9geq6b) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Software Engineer - Mercury Command](https://feeny.ai/job/software-engineer-mercury-command-mercury-san-francisco-ca-new-york-ny-portland-nr84ay9018dk) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Workplace Experience Specialist - NYC](https://feeny.ai/job/workplace-experience-specialist-nyc-mercury-new-york-czjbyna6rqxq) — New York, NY - [Senior Recruiter - GTM](https://feeny.ai/job/senior-recruiter-gtm-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-fntxankygt5a) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Recruiter - Sales](https://feeny.ai/job/recruiter-sales-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-p8wab3ax7b18) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Business Continuity Management Lead](https://feeny.ai/job/business-continuity-management-lead-mercury-san-francisco-ca-new-york-ny-aze704pnfzrt) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States - [Risk UX Specialist](https://feeny.ai/job/risk-ux-specialist-mercury-san-francisco-ca-new-york-ny-portland-or-or-within-pyqrhqt4nrdz) — San Francisco CA New York NY Portland OR OR Within, United States - [Senior Account Executive - Credit & Lending Products](https://feeny.ai/job/senior-account-executive-credit-lending-products-mercury-san-francisco-ca-new-dyjw0ccmhyh7) — San Francisco CA New York NY Portland OR OR Within, United States - [Senior Customer Support Service Delivery Program Manager](https://feeny.ai/job/senior-customer-support-service-delivery-program-manager-mercury-san-francisco-m9n91w231bsn) — San Francisco CA New York NY Portland OR OR Within Canada OR, United States