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
For payment teams, hardware vendors, and integrators, Switstack delivers a standardized EMV layer that accelerates time to market and reduces certification risk and cost.
Standardize over 200 terminal APIs into a single, consistent interface. Simplify integration and reduce the overhead of managing fragmented device protocols.
Leverage pre-certified EMV components to shorten timelines from years to weeks. Reduce the cost and uncertainty of traditional certification cycles.
Keep ownership of the EMV stack while lowering technical dependencies. Gain flexibility to support any hardware strategy without vendor lock-in.
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.
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.
Focus on core payment application development and integrate L2 through a normalized APIs.
Full control over your codebase. Make customizations and adapt the framework to specific needs.
Integrate kernels on a virtual platform and accelerate debugging, testing and pre-certification.
Embed in-store payment into any payment application using an SDK and managed EMV infrastructure service.
An open, unified Payments API layer that manages the L2 stack, security, and compliance — while keeping the L3 app fully owned and controlled.
Compatible with both COTS (Tap-to-Pay) and existing PCI-PTS terminals — enabling scalable integration with existing terminals and future-proofed architecture.
Invest in a scalable platform that supports new devices and standards and drives merchant expansion.
Free up engineering capacity to focus on revenue-driving features
Compress market entry from 18–24 months to near-immediate
Eliminate multiple integrations, certifications, and L2 maintenance
Shift engineering effort from boilerplate EMV to product innovation
Customize and update applications while maintaining certification confidence—no black box, no dependencies.