---
title: 'Senior Software Engineer, Payments at AtoB'
canonical: 'https://feeny.ai/job/senior-software-engineer-payments-atob-san-francisco-vzqnkvxvt9wx'
type: 'job'
last_seen: '2026-09-05'
---

# Senior Software Engineer, Payments at AtoB

- **Company:** AtoB
- **Location:** San Francisco, CA
- **Compensation:** $150k–$190k
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2025-07-02
- **Last confirmed live:** 2026-09-05
- **Apply:** https://jobs.ashbyhq.com/atob/523e5c4e-4c2d-495c-a50a-3535652158c9

## Job description

## Our mission

The trucking and logistics industry provides the backbone of the economy. But the payments infrastructure on which it runs is broken. For the hard-working men and women of this sector, the existing suite of payment tools is outdated, difficult to use, prone to fraud, and saddled with shady fee structures. The incumbent players in this space often overlook the economic and practical needs of this user base.

We're changing that. AtoB https://atob.com is building Stripe for Transportation — modernizing the payments infrastructure for trucking and logistics. Supply chains rely on the timely movement of capital to function efficiently. Our end game is a world in which that capital movement occurs fairly, smoothly, and without delay. As we pursue that end game, we aim to center our customers in every way — offering them world-class customer experience and building products that work with and around the unique constraints of their daily lives. We build for fleet managers in the office and drivers on the road. We strive for products that are efficient, satisfying, and useful. Our customers enable our modern economy — they deserve it.

Our history and background

Our founding team has backgrounds in payments, working on autonomous vehicles at Cruise Automation, leading ops and growth for Uber, and building apps that were featured on the Apple app store. We have staff and senior engineers from Google, Uber, Meta, Shopify, Stripe, Chime, and other leading technology companies.

We have raised $125 million+ from investors such as General Catalyst, Elad Gil, Bloomberg Beta, Y Combinator, XYZ; founders and CEOs of companies such as Google (Eric Schmidt), Salesforce (Marc Benioff), Coinbase (Brian Armstrong), DoorDash (Tony Xu), Instacart, Gusto; strategic investors like Mastercard, Flexport and Samsara.

We were named to Forbes annual Next Billion-Dollar Startup List https://www.forbes.com/sites/amyfeldman/2022/08/16/next-billion-dollar-startups-2022/?sh=4899e6d55308, and have just recently been selected to join the World Economic Forum https://www.linkedin.com/company/world-economic-forum/ as a Global Innovator.

## About Us

Learn more about our mission, culture, and background on our Careers Page https://jobs.ashbyhq.com/atob.

Responsibilities:

- Lead efforts to reconcile transactions across multiple financial providers, including Stripe, Highnote, Checkbook, and JPMorgan, ensuring accuracy and consistency across systems.
- Ensure full alignment between internal records and customer-facing balances—what’s in the bank should precisely match what the customer sees.
- Contribute to the development and ongoing scalability of our general ledger infrastructure, supporting accuracy, resilience, and growth.
- Partner with our external ledger provider, Fragment, to build a reliable system capable of powering billions of transactions with speed and integrity.
- Design and implement new money movement flows across a variety of payment rails—including push-to-card and wire transfers—optimizing for cost, speed, and reliability.
- Own critical backend & platform projects end-to-end—from design to production ops.
- Push architecture that scales to billions in annual payment volume and real-time risk controls.
- Work closely with product and GTM leads to turn ambiguous problems into elegant code.

Qualifications:

- Have 5+ years of professional experience building B2B or B2C SaaS products (FinTech, payments, or marketplace a plus).
- Prior payments or back office fintech experience is a plus
- Thrive in zero-bureaucracy, high-ownership environments.
- Balance speed with rigor—automated tests, clean abstractions, clear docs.
- Can dive deep into code (we use React, Ruby, Postgres—but great engineers pick up tools fast).
- Communicate crisply across time zones.
- This role is required to be in office 4 days/week (Mon-Thurs) either in San Francisco Bay Area or Montreal

## About AtoB

## Company Overview
- **One-liner**: AtoB is building a modern financial platform for the US trucking and logistics industry, offering fuel cards, instant payments, and spend management tools to replace outdated financial infrastructure.
- **Entity Type**: Private (Series B)
- **Headquarters**: San Francisco, California, USA
- **Founded**: 2019
- **Founders**: Vignan Velivela, Harshita Arora

## Core Business
- **Primary industry/industries**: Fintech, Transportation & Logistics, Payments
- **Target customers**: B2B — Fleet operators (from single-vehicle owner-operators to large enterprises), freight brokers, and factoring companies.
- **Mission or purpose statement**: To transform and elevate the financial infrastructure of the trucking industry, empowering drivers and fleet managers to focus on keeping goods moving.

## Products & Services
- **AtoB Fleet Card**: A zero-fee fuel card accepted at over 30,000 fuel locations nationwide, offering average discounts of 42¢/gallon (up to $2.00/gallon at select locations). Includes telematics integration for fraud prevention (GPS and fuel-level validation) and a $250,000 fraud prevention guarantee.
- **Business Expense Card**: A card for fleet owners and managers offering cash back on purchases and working capital for larger expenses.
- **Instant Payments**: A system for paying drivers instantly (24/7/365) via SMS, email, or Instant ACH (RTP), including automated driver payroll calculation.
- **Fleet Credit Solutions**: Weekly credit for fuel and on-demand credit for parts, towing, and fleet insurance with flexible repayment terms.
- **Spend Management Dashboard**: A platform to view all business finances in one place, with powerful spend controls and insights.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed; Forbes named AtoB to its "Next Billion-Dollar Startup" list in 2022.
- **Key Metric**: Total Funding — $130 million raised (as of September 2024, per Y Combinator).
- **Notable Investors/Partners**: Y Combinator (Summer 2020 batch), Mastercard (open-loop network partner), and other institutional investors. Trusted by 35,000+ fleets and 45+ partners.
- **Growth Signals**: Expanded network to over 30,000 fuel locations nationwide; partnered with Mastercard for open-loop network; recognized by the World Economic Forum as a Global Innovator; team size of approximately 75 employees (as of latest data).

## Competitive Advantages
- **Purpose-built for trucking**: Unlike generic corporate cards, AtoB’s entire platform is designed specifically for fleet operations, including fuel discounts, telematics-based fraud prevention, and instant driver payroll.
- **Massive fuel discount network**: Average savings of 42¢/gallon (up to $2.00/gallon) at thousands of truck stops, with a network of 30,000+ locations.
- **Fraud prevention guarantee**: A $250,000 guarantee when telematics is connected, using GPS and fuel-level validation to block unauthorized transactions.
- **Open-loop network**: Partnership with Mastercard allows acceptance anywhere Mastercard is accepted, unlike closed-loop fuel card networks.

## Strategic Focus
- **Expand financial services**: Moving beyond fuel cards into a full financial platform for transportation, including instant payments, credit solutions, and driver payroll.
- **Scale the network**: Continuing to grow the fuel discount network and partner ecosystem (45+ partners currently).
- **Deepen telematics integration**: Using vehicle data to prevent fraud and optimize spend management, creating a sticky product for fleets.
- **Target all fleet sizes**: Serving from single-vehicle owner-operators to large enterprises with thousands of vehicles.

## Why Work Here
- **Culture**: Described as high-ownership, meritocratic ("the best ideas win — regardless of title"), with values of curiosity, speed, and accountability. The team is described as smart, supportive, and excited to solve hard problems in a massive industry.
- **Work model**: Hybrid — with HQ in San Francisco, local offices, and remote options available.
- **Benefits**: Competitive pay, equity packages, medical/dental/vision insurance, 401(k) with company matching, flexible PTO, life insurance, paid parental leave, commuter benefits, wellness benefits, 10 company holidays plus a winter shutdown.
- **Engineering culture**: Building modern fintech infrastructure for a legacy industry; opportunity to work on products that directly impact the backbone of the US economy.
- **Team size**: Approximately 75 employees (Y Combinator data), offering a startup environment with significant growth trajectory.

## Sources
1. [atob.com](https://www.atob.com/)
2. [atob.com/careers](https://www.atob.com/careers)
3. [atob.com/about-us](https://www.atob.com/about-us)
4. [jobs.ashbyhq.com/atob](https://jobs.ashbyhq.com/atob)
5. [ycombinator.com/companies/atob](https://www.ycombinator.com/companies/atob)

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