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Perpay

Runs paycheck-funded shopping and credit tools

Senior Software Engineer - Backend

Full-TimeUpdated on 10/23/2026
$160k+ Equity + Discretionary cash bonus + 5% 401(k) match + Relocation assistance
Senior
Philadelphia, PA, USA
In Person100% onsite in Philadelphia; remote weeks are coordinated around major holidays.
Software EngineeringBackend Engineering

About the job

Requirements
  • At least 5 years of experience building web applications at scale in at least one modern language or framework, such as Python with Django or Rails.
  • At least 2 years of experience leading technical teams and large, complex projects.
  • Deep understanding of relational databases, such as Postgres, including query optimization, indexing strategies, and schema evolution.
  • Experience operating production systems in a large cloud provider, such as AWS.
  • Familiarity with containerized environments such as Docker and orchestration systems such as Kubernetes.
  • Experience with background job systems and message queues, such as Celery.
  • Working knowledge of caching strategies, such as Redis.
  • Experience with monitoring and observability tooling, such as Datadog and CloudWatch.
  • Strong understanding of system reliability, failure modes, and operational tradeoffs.
  • Ability to communicate complex system behavior clearly to non-technical stakeholders.
Responsibilities
  • Design and evolve RESTful APIs used by frontend and internal systems.
  • Own data modeling decisions across relational databases, with attention to performance and maintainability.
  • Improve reliability, observability, and operational excellence of backend systems through metrics, logging, tracing, and alerting.
  • Participate in architectural decisions concerning service boundaries, asynchronous workflows, and distributed-system tradeoffs.
  • Diagnose and resolve production issues across multiple services.
  • Contribute to infrastructure-as-code and continuous integration and continuous delivery improvements to increase developer velocity and system stability.
  • Partner with product and stakeholders to translate complex business rules into maintainable backend systems.
  • Write code, review pull requests, mentor engineers, and help scope and design new features.
Desired Qualifications
  • A solutions-oriented approach and willingness to work outside the primary domain to unblock teammates and ensure successful delivery.

About the company

Perpay runs a shopping and credit-building platform for US consumers, using payroll direct deposits to make payments fit their income and pay schedule. Its Marketplace sells electronics, home goods, and other products through interest-free installment purchases, while Perpay+ reports payment history to the major credit bureaus. A separate unsecured Perpay Credit Card, issued by Celtic Bank, extends spending beyond the marketplace and supports automatic payments from paychecks. The business combines retail product sales with a subscription fee for Perpay+ credit reporting, which also includes credit monitoring through its dashboard. Perpay was founded in 2016 and is headquartered in Philadelphia, Pennsylvania.

Company Size

51-200

Company Stage

N/A

Total Funding

$2.5M

Headquarters

Philadelphia, Pennsylvania

Founded

2016

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Simplify's Take

What believers are saying

  • Credit building shows results: Perpay reports 30-plus first-year average score gains among 50,000 Perpay+ customers starting at 550 or below.
  • Customer reach supports cross-selling: Perpay says millions of members work across more than 50,000 employers.
  • Operations builds varied experience: Perpay's listed associate program rotates across internal teams in ten-to-eleven-week assignments.

What critics are saying

  • Fees raise access costs: Perpay's card agreement charges $9 monthly after the first year.
  • Card reach depends on payroll: Perpay excludes gig workers unless their own company pays through third-party payroll.
  • Philadelphia attendance limits flexibility: Perpay's listed operations rotation requires office work, with remote weeks around major holidays.

What makes Perpay unique

  • Shipping follows repayment: Perpay sends Marketplace orders only after receiving the first payroll payment.
  • New Perpay cards reward repayments: customers earn 2% as Marketplace credits.
  • Perpay controls card experiences through Marqeta: the issuing platform supports instant virtual cards and real-time spending controls.

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Benefits

  • Competitive salary + company equity
  • 401k with company match
  • Medical / Dental / Vision insurance
  • Pre-tax Public Transportation benefit
  • Relocation assistance
  • Student loan company match
  • Gym subsidy with City Fitness
  • Cell phone plan
  • Paid parental leave
  • Unlimited PTO
  • Optional work from home (WFH) up to 4 weeks per year

Growth & Insights and Company News

6 month growth

-2%

1 year growth

-2%

2 year growth

-1%
PaySpace
May 8th, 2025
Perpay Selects Marqeta to Power Consumer Credit Card

Perpay selects Marqeta to power consumer credit card.