Vertical SaaS platforms adding virtual/physical corporate cards, yield-bearing operating accounts, and instant vendor payouts directly inside their product frequently search to hire a freelance Embedded Finance & Banking-as-a-Service (Stripe Issuing, Stripe Treasury, Unit, Lithic, Marqeta, Column) programmer. I am Aldian Fazrihady, a Senior Freelance FinTech & Full Stack Programmer available via Upwork.
Core Embedded Finance & Card Issuing Capabilities
- Sub-Second Real-Time Authorization Webhooks (JIT Funding): Responding to Stripe Issuing / Lithic / Marqeta real-time card authorization requests within the strict 1,500ms processor SLA using low-latency Go/Python handlers backed by atomic PostgreSQL/Redis spend controls.
- Custom MCC, Velocity & Per-Employee Spend Limits: Enforcing merchant-category-code (MCC) allowlists, daily/monthly budgets, and automatic receipt-capture prompts via SMS/Slack the moment a card is swiped.
- ACH, FedNow, RTP & Wire Reconciliation: Synchronizing BaaS settlement files with double-entry internal ledgers and automated NACHA return code (`R01`, `R03`, `R10`) state machines.
Frequently Asked Questions
How do you ensure a real-time card authorization webhook never times out at the checkout register?
I keep the hot authorization path 100% free of external third-party HTTP calls—evaluating spend rules and reserving balance inside a single indexed PostgreSQL transaction or Redis Lua script in under 30 milliseconds.
How can we hire you as a freelance Embedded Finance programmer?
Message me on Upwork.