Cardless

Cardless is an embedded credit card platform that lets consumer brands launch co-branded credit cards inside their own apps and websites, covering issuing, identity, fraud and rewards via APIs.

Founded in 2019 and headquartered in San Francisco, Cardless is an embedded credit card platform that lets consumer brands launch co-branded credit cards natively within their own mobile apps and websites. The company has raised approximately $170 million in venture funding and counts Coinbase, Qatar Airways, TAP Air Portugal, Simon Properties, LATAM Airlines, Avianca and Alibaba.com among the brands running programs on its infrastructure.

The technical work spans the full credit card lifecycle: application processing, identity verification, transaction management, fraud prevention and rewards programs. Engineers build against modular APIs designed to let brands construct native credit experiences without the complexity of traditional card issuing, alongside pre-built UI and integration components and analytics for running card programs. The platform touches embedded finance, payments infrastructure, developer platforms and fraud and identity systems at once.

The client roster is unusually broad - cryptocurrency exchanges, airlines across Latin America and the Middle East, retail property groups and B2B marketplaces - each embedding credit into a distinct product surface. For engineers who value technical range and measurable impact, the work combines payments infrastructure, risk systems and developer-facing platform design within a single product organisation.