Senior Software Engineer - Card Readers
Toast is building the all-in-one restaurant platform that helps restaurants operate their business, increase sales, engage guests, and keep employees happy. Toast connects employees, operations, and guests on a reliable, easy-to-use platform so restaurateurs can stay one step ahead of a rapidly evolving hospitality market.
The Card Readers team processes millions of card payments a day for Toast’s restaurant customers. Hundreds of thousands of restaurants depend on the software we build to run their business. We make payments friction-free while maintaining the highest levels of security, enabling new payment options, and staying at the forefront of emerging technologies.
As a Senior Software Engineer on the Card Readers team, it’s your job to make sure those millions of payments are processed quickly, reliably, and securely. You will be a key team member responsible for designing, developing, and maintaining our POS payment integrations. You will work closely with hardware SDKs, the core POS application team, and other cross-functional stakeholders to drive technical decisions and refine the target architecture for our payment solutions. Your expertise in high-throughput asynchronous JVM solutions, coupled with a deep understanding of mission-critical transaction processing, will be crucial in delivering robust and scalable solutions.
A day in the life (Responsibilities)
- Design, develop and roll out robust, high-performance applications using Kotlin.
- Lead technical discussions and decisions on best practices, performance optimizations, and security.
- Collaborate with cross-functional teams (backend, product, UX/UI, QA) to deliver seamless payment experiences.
- Optimize mobile payment flows for security, speed, and reliability.
- Shape the face of development at Toast by helping to balance building maintainable software for long term success, with the need to deliver value to customers in an iterative fashion.
- Ensure compliance with PCI-DSS, security best practices, and other financial industry standards.
- Mentor and guide junior engineers, conduct code reviews, and drive best practices in software development.
- Troubleshoot and resolve complex technical issues, ensuring high availability and performance.
- Participate in agile development processes, including sprint planning, daily stand-ups, and retrospectives.
- Stay up to date with emerging technologies, frameworks, and trends.
What you'll need to thrive (Requirements)
Expert-level proficiency in Kotlin, Java, and/or JVM languages
Deep knowledge of multi-threading/concurrency (experience with coroutines a plus)
- Experience working in a large (Android) project/codebase, architecting for clear domain boundaries, modularity, reusability, and testability
- Track record of complex and robust SDK integrations completed successfully
- Experience designing public APIs for hassle-free consumption
- Expertise in observability, monitoring, and alerting for complex user-device interactions
- Strong skills in mentoring fellow developers on best practices
- Openness and enthusiasm for AI tooling to enhance R&D productivity
- Excellent communication, collaboration, and problem-solving skills that lead others by example
Nice to have:
- Card Payments/EMV experience
- Hardware/device integration experience
- Security and key management experience
=== PREVIOUS REQUIREMENTS FOR COMPARISON ===
- Strong proficiency in Kotlin and modern Android frameworks (Jetpack, Coroutines, Flow).
- Deep understanding of Android architecture components, MVVM, and Clean Architecture.
- Strong knowledge of Android security best practices and secure data storage.
- Familiarity with mobile payment processing, tokenization, NFC, and EMV standards (a plus).
- Experience working with third-party payment gateways, in-app purchases, or POS integrations (a plus).
- Excellent communication and collaboration skills, with the ability to work effectively with cross-functional teams.
- Strong problem-solving skills and ability to work in a fast-paced, agile environment.
Non-essential skills, nice to have
- Prior experience with distributed systems and microservices
- Experience with EMV Payments or Kernel
** This is a hybrid role requiring in-office presence two days per week ***
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#BI-Hybrid
AI at Toast
At Toast, one of our company values is that we're hungry to build and learn. We believe learning new AI tools empowers us to build for our customers faster, more independently, and with higher quality. We provide these tools across all disciplines, from Engineering and Product to Sales and Support, and are inspired by how our Toasters are already driving real value with them. The people who thrive here are those who embrace changes that let us build more for our customers; it’s a core part of our culture.
Our Total Rewards Philosophy
We strive to provide competitive compensation and benefits programs that help to attract, retain, and motivate the best and brightest people in our industry. Our total rewards package goes beyond great earnings potential and provides the means to a healthy lifestyle with the flexibility to meet Toasters’ changing needs. Learn more about our benefits at https://careers.toasttab.com/toast-benefits.
How Toast Uses AI in its Hiring Process
Throughout the hiring process, our goal is to get to know you. We use AI tools to support our recruiters and interviewers with tasks like note-taking, summarization, and documentation of interviews to ensure they can be fully focused on your conversation. All hiring decisions are made by people. We ask that you complete interviews and assessments on your own, without real-time AI tools, recording, or transcription bots, unless we tell you otherwise in advance. To learn more: https://careers.toasttab.com/ai-in-hiring
Our Approach to Hybrid Working
We embrace a hybrid work model that fosters in-person collaboration while valuing individual needs. Our goal is to build a strong culture of connection as we work together to empower the hospitality community, regardless of location. Please visit the Locations page on our career site to learn more about our in-office expectations by region: https://careers.toasttab.com/locations-toast
People Are the Secret Ingredient in Our Recipe for Success
At Toast, our employees are our secret ingredient—when they thrive, we thrive. The restaurant industry brings together people with a wide range of backgrounds, experiences, and perspectives, and we value that same breadth at Toast. We strive to build a culture grounded in authenticity, respect, and humility, where every Toaster has a real opportunity to grow, contribute, and do their best work—raising the bar in delivering exceptional experiences for our customers and each other.
Apply today!
Toast is committed to creating an accessible and inclusive hiring process. As part of this commitment, we strive to provide reasonable accommodations for persons with disabilities to enable them to access the hiring process. If you need an accommodation to access the job application or interview process, please contact [email protected].
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For roles in the United States, it is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
Skills Required
- Expert-level proficiency in Kotlin, Java, and/or JVM languages
- Deep knowledge of multithreading and concurrency; coroutine experience is beneficial
- Experience working in a large Android project or codebase
- Experience architecting modular, reusable, testable software with clear domain boundaries
- Track record of successfully completing complex SDK integrations
- Experience designing public APIs for easy consumption
- Expertise in observability, monitoring, and alerting for complex user-device interactions
- Strong mentoring skills and knowledge of software development best practices
- Openness and enthusiasm for AI tooling to improve research and development productivity
- Excellent communication, collaboration, and problem-solving skills
- Card payments or EMV experience
- Hardware or device integration experience
- Security and key management experience
What the Team is Saying
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What We Do
Toast is the all-in-one platform built for restaurants of all sizes. Toast provides a single platform of software as a service (SaaS) products and financial technology solutions that give restaurants everything they need to run their business, including point of sale, payments, supplier management, digital ordering and delivery, marketing and loyalty, and team management. By serving as the restaurant operating system across dine-in, takeout, and delivery channels, Toast helps restaurants increase revenue, streamline operations and deliver amazing guest experiences.
Why Work With Us
Our recipe for an awesome workplace: One splash of friendship A dollop of impact A sprinkle of no hierarchy & A heavy spoonful of individuality Mix these ingredients in a fast-paced and hardworking environment. Best paired with a side of interesting people who always bring their whole selves to work. *100% Sunday scary free
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Toast Teams
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Hybrid Workspace
Employees engage in a combination of remote and on-site work.
