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Backend Developer – Fintech API IntegrationFreelanceJobsCanada

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Backend Developer – Fintech API Integration

FreelanceJobs
  • CA
    Canada
  • CA
    Canada

À propos

We are building an embedded banking MVP in partnership with a U.S. bank using the Increase API platform.
We are looking for a backend developer with experience integrating financial APIs (ACH, debit cards, webhooks) to build a secure MVP portal backend.
This is NOT a simple website project. This is a fintech integration.
Core Bank handles:
• Ledgering
• AML
• KYB/KYC
• Compliance
Our scope is:
• Account provisioning
• Inbound ACH visibility
• Outbound ACH initiation
• Debit card issuance (virtual + physical)
• Webhook processing
• Admin audit and exception logging
We will start in Increase sandbox.

Tech Stack (Preferred)
You should be comfortable with:
• REST APIs
• Webhooks with signature verification
• Secure API key management
• Backend frameworks preferred, Python acceptable)
• Database design (PostgreSQL or similar)
• Experience with Supabase, Xano, Firebase, or similar backend-as-a-service is a plus
• Retool or low-code portal integrations is a plus
• Fintech / banking / payments API experience is strongly preferred
Experience with Increase API is a bonus but not required if you have worked with Stripe Treasury, Plaid, Synapse, Unit, Galileo, Marqeta, or similar.

Scope of Work (Phase 1 MVP)
Milestone 1: Backend Setup
• Securely store Increase sandbox API key
• Create database schema:
• customers
• increase_accounts
• ach_transfers
• cards
• webhook_events
• Build webhook endpoint with signature verification
• Log raw events and map to internal records
Milestone 2: Account Provisioning
• Create Increase Account via API
• Create Account Number
• Store Increase object IDs
• Expose endpoint for portal integration
Milestone 3: ACH (Inbound + Outbound)
• Display inbound ACH transfers
• Initiate outbound ACH transfer
• Handle status updates
• Handle returns and notifications of change (NOC)
Milestone 4: Debit Cards (Virtual + Physical)
• Issue virtual card
• Issue physical card with shipping data
• Freeze / unfreeze card
• Track shipment and card lifecycle events
Milestone 5: Admin & Exception Logging
• Build admin endpoints
• Create exception queue for ACH returns and card events
• Maintain audit log

Deliverables
• Fully functional backend connected to Increase sandbox
• Clean API endpoints for frontend portal
• Secure webhook handling
• Event logging system
• Documentation of setup and deployment process

Security Requirements
• API keys must never be exposed client-side
• Webhooks must validate Increase signatures
• HTTPS required
• Clean error handling and logging

Timeline
Phase 1 MVP build target: 4–6 weeks
Sandbox demo required before production consideration

Budget
We prefer fixed milestone pricing rather than hourly.
Please submit:
• Relevant fintech or banking API experience
• GitHub or project examples
• Estimated cost for full Phase 1 MVP
• Timeline estimate
Important
If you have not integrated a payments, banking, or card API before, this role is not a fit.
We are building financial infrastructure, not a marketing website.
Contract duration of 3 to 6 months. with 30 hours per week.
Mandatory skills: API, API Integration, RESTful API, API Development, JavaScript, Python, , Ruby, Django, Java
  • Canada

Compétences linguistiques

  • English
Avis aux utilisateurs

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