Backend Architect - Pay&Card Tech
AI Summary
Backend Architect designing, building, and maintaining card issuing and lifecycle management systems; leading technical design, certification, and integration for scalable, secure, compliant payment infrastructure.
About this role
About the Team
The Binance Pay&Card team is revolutionizing the way people transact and manage their finances globally. Binance Pay is a cutting-edge payment solution that enables users to send, receive, and pay with crypto seamlessly. Join us to be part of a dynamic team driving the future of digital payments and financial technology.
Role Overview
As a Backend Architect on the Pay&Card Team, you will be responsible for architecting and building card-related systems end to end. You will work closely with cross-functional teams to design scalable, secure, and compliant infrastructure that supports card systems and lifecycle management.
Responsibilities
Architect, build, and maintain backend systems for card issuing and card lifecycle management
Lead the technical design and implementation of card certification processes (Visa, MasterCard, Apple Pay / Google Pay onboarding programs)
Define and drive the system architecture, service boundaries, and integration patterns for card platform services
Ensure system reliability, scalability, and compliance with payment network standards
Collaborate with product, compliance, and engineering teams to translate business requirements into technical specifications
Establish engineering best practices, code quality standards, and technical documentation for the team
Work hands-on — this is a builder role, not a pure advisory position
Requirements
8+ years of backend engineering experience with strong Java / Spring expertise
Direct experience building or maintaining a card system
Experience with card certification processes and/or card onboarding programs
Strong system design and architecture skills, with experience in distributed systems and high-throughput payment infrastructure
Understanding of card network standards, payment flows, and compliance requirements
Preferred Qualifications
Experience at a fintech, startup, or crypto company that has issued cards
Familiarity with card lifecycle management, tokenization, and payment gateway integrations
Experience working in agile, fast-paced environments with short release cycles
