software engineer

Chexy Inc.; Toronto; On-site; CAD 43,000 - 113,000; Full time

Job summary

Chexy Inc. in Toronto is seeking a backend engineer to build and scale payment processing systems, ledger handling, and direct integrations with Visa Direct, AmEx, and e-Transfer. You will contribute to a high-transaction platform in a fast-growing fintech environment.

You will write clean NestJS and TypeScript, design data models in PostgreSQL, implement caching with Redis, and participate in code reviews and on-call rotation.

Qualifications

• 5+ years backend engineering experience, with 2+ years building production financial systems or high-volume transaction systems
• Strong 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)
• 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

Responsibilities

• 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

Skills

NestJS

Node.js

TypeScript

API design

Microservices

Relational databases

PostgreSQL

Prisma ORM

Redis

Google Cloud Pub/Sub

Tools

Prisma ORM

Redis

PostgreSQL

Google Cloud Pub/Sub

Job description

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
• Strong 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