Simplify In-Store Payments
A universal EMV layer for in-person payments. Build, test, operate and deploy terminals at scale.
We support EMV Level 2 contactless & corresponding test automation
Own the Payment Stack
without EMV Complexities
For payment teams, hardware vendors, and integrators, Switstack delivers a standardized EMV layer that accelerates time to market and reduces certification risk and cost.
Unify APIs
Standardize over 200 terminal APIs into a single, consistent interface. Simplify integration and reduce the overhead of managing fragmented device protocols.
Accelerate Certification
Leverage pre-certified EMV components to shorten timelines from years to weeks. Reduce the cost and uncertainty of traditional certification cycles.
Maintain Control
Keep ownership of the EMV stack while lowering technical dependencies. Gain flexibility to support any hardware strategy without vendor lock-in.
Redefining EMV Development with a Software-Defined Approach to Card Processing
Payment terminals followed a "software last" approach, treating software as an afterthought to hardware. This influenced coding, QA, certification, and maintenance.
Our 'software first' approach separates EMV software development from hardware environments. Developers can build, test, and debug independently using virtual tools and modern software workflows.
The entire EMV stack and testing tools are always up to date with the latest test plans and EMVco specs.
Standardization enables consistency between testing/certifying and production environments.
With virtual test plans, developers can integrate and test EMV L2 using a virtual environment and automated functional and regression tests.
Switstack Platform
Switstack decouples EMV software from hardware — enabling payment platforms and terminal manufacturers to build, test, and certify in-store payment systems without vendor constraints. A modular stack that simplifies integration, reduces certification effort, and supports any hardware environment.
switstack moka a Ready-to-Certify EMV Stack
Focus on core payment application development and integrate L2 through a normalized APIs.
Source Code Available
Full control over your codebase. Make customizations and adapt the framework to specific needs.
Built for Software Developers
Integrate kernels on a virtual platform and accelerate debugging, testing and pre-certification.
Switcloud Secure & Unified EMV Infrastructure for Payment Teams
Embed in-store payment into any payment application using an SDK and managed EMV infrastructure service.
Universal Connector
An open, unified Payments API layer that manages the L2 stack, security, and compliance — while keeping the L3 app fully owned and controlled.
Hardware Agnostic
Compatible with both COTS (Tap-to-Pay) and existing PCI-PTS terminals — enabling scalable integration with existing terminals and future-proofed architecture.
Upgrade Your EMV Infrastructure
Future-Proof Architecture
Invest in a scalable platform that supports new devices and standards and drives merchant expansion.
Faster Innovation
Free up engineering capacity to focus on revenue-driving features
Faster Time-to-Market
Compress market entry from 18–24 months to near-immediate
Cost Savings
Eliminate multiple integrations, certifications, and L2 maintenance
Smarter resource allocation
Shift engineering effort from boilerplate EMV to product innovation
Flexibility
Customize and update applications while maintaining certification confidence—no black box, no dependencies.