Mercoa is an embedded B2B payments platform that lets any B2B fintech add BillPay and Accounts Payable to their product. Just like Stripe makes it easy to add Invoicing and AR, Mercoa does the same for BillPay and AP.

We offer a drop-in iFrame, SDKs, and APIs that are used by a variety of early and growth stage companies raging from accounting firms, neobanks, and vertical SaaS in multiple industries such as construction, e-commerce, home services, and more!

WHY SHOULD YOU JOIN MERCOA?

Every startup hopes to hit a sweet spot where growth is off the charts, and the team is still lean - and that’s exactly where Mercoa is right now. We're bringing in new customers and revenue so quickly that our small team is racing to keep up. It’s a whirlwind, but that's what makes it exciting. If you want to dive headfirst into the fast-paced world of a growing startup, this is your chance. You'll gain invaluable experience and insights that will shape your career, especially if you dream of launching your own startup one day.

About Mercoa

Mercoa allows Vertical SaaS companies to launch BillPay & Invoicing to their customers in three weeks. Vertical SaaS is a quickly growing (13% growth year over year) segment of software companies that provide a financial-one-stop-shop solution to customers in their vertical. For example, a Vertical SaaS company in the restaurant industry would let customers buy supplies, pay their employees, manage orders, take payments, secure financing, close their books, and everything else needed to run and manage a restaurant.

Examples of large Vertical SaaS companies today include:

• ServiceTitan
• Shopify
• Toast
• MindBody

We realized Vertical SaaS companies are actively looking to launch financial products like Invoicing, BillPay, Banking, working capital, and more to their audience but want a partner to help them do so. 

It’s a rare opportunity to build a product that directly enables customers to make more money. With Mercoa, we’re helping our customers make millions of dollars in revenue by launching a brand new line of business. We want to help every Vertical SaaS company be the “Bill.com” for their vertical.

About The Role

This is a full-time 100% in-person role as a Founding Engineer at Mercoa, located in San Francisco, CA. As a founding engineer, you’ll have a significant stake and responsibility in shaping our future. We’re seeking someone who not only brings an ownership mentality to their craft but also has the ambition to start their own company in 2-3 years. This role is not for the faint of heart. You will be pushed to your full potential with regards to shipping high quality software at a rapid pace.

You will be responsible for everything from writing unit tests, building sales demos, working on internal tools, helping customers with implementation, building AI and LLM based features, scaling infrastructure, and more. From the mundane to the extraordinary, everything is on the table.

Things you will do:

• Build from 0 to 1. Brainstorm, design, code and launch. Some product ideas on the map: Offering BNPL and pay-by-card on any invoice, React components that can be easily white labeled and customized, sample projects and videos that make it easy to get started with Mercoa, etc.
• Sales and Customer Success: We firmly believe that the best engineers engage directly with customers to solve problems. If you don't enjoy talking to customers on a regular basis, this role isn't for you. You will work closely with customers from initial sales calls through implementation and go-live.
• Improving existing systems and tooling. As former bootstrappers, we plan to be lean and build resilient systems and automation to scale. Building great internal tools and processes as well as optimizing infrastructure is key to this vision.
• On-Call Rotation: All software has bugs, but good software is fixed quickly. We take pride in keeping production stable and fixing bugs as soon as we find them.

Qualifications

• You learn fast and embrace ambiguity - tackling difficult problems in new domains should be fun!
• Experienced with cloud platforms, REST APIs, Node.js, React, and SQL databases
• You have a strong work ethic and are ready to grind
• Have built and shipped a working project or product, ideally something complex (We will ask about this in the interview)
• You love talking to customers and solving their issues
• Bachelor's or Master's degree in Computer Science or a related field
• 4+ years of professional experience as a software engineer
• Promoted to senior-level or higher

Exceptional Qualifications

• You've worked on dev-tools or APIs and are involved in developer communities
• You have a background in Accounting or Finance, or have worked at a Fintech before
• You’ve previously founded a company
• You’ve launched products or projects to that are used by strangers and have active and happy users

Team, Values & Benefits

Our team has worked across transformative tech companies like Gusto, Magento, Stripe, and Google. We’ve worked together for almost a decade, gone through YC, and scaled a bootstrapped company from 0 to 100k ARR.

We seek people who are eager to grind, ship, and grow their careers quickly. Our ideal candidates are passionate about making customers happy and ship quickly. You will be given the autonomy to make decisions and see them through. Your number one priority should be to move the needle forward!

This is an ideal position for anyone with ambition to start their own tech company one day. 

Technical Challenges

• Scaling the API to millions of requests a day
• Optimizing our GPT based OCR technology
• Creating an amazing developer experience for folks using our APIs and SDKs
• Building out native integrations with best in class payments infrastructure for financing, accounting systems, and payments.

Backend

• Typescript
• Google Cloud
  • Serverless API server on Google Cloud Run
  • Analytics on BigQuery
• Postgres
  • CockroachDB for horizontal scalability
  • Prisma ORM

Frontend

• Typescript
• Next.js / React
• Tailwind
• Vercel