About
At Switstack, we’re building a modern EMV infrastructure that puts developers in control. Our platform replaces rigid, hardware-first systems with a software-defined approach — enabling payment and hardware teams to build faster, integrate flexibly, and deploy across any in-store environment.
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.
Meet the team with over 100M EMV L2 kernel instances deployed
With 25+ years in global payments, our team brings deep industry knowledge from diverse ventures and markets.
Transform the payment industry
Switstack's mission is to transform the in-store payment ecosystem by evolving payment solution development. We provide a comprehensive ecosystem that simplifies software teams' work, enhances code quality, and speeds up release cycles.
switstack moka
A ‘Source- Available’ EMV L2 Framework for SoftPOS and PCI-PTS terminals.
Build and own your L2 stack and deploy on any hardware
moka >>
swittest
A Managed EMV Testing Service for developers building & integrating EMV.
Compatible with existing EMV L2 libraries. Available for L3 tests in 2026.
swittest >>
switcloud
A Unified L2 Payment Infrastructure for payment applications
Connect legacy L2 stacks or deploy on COTS devices with moka- pre-certified L2 LOC & MPOC-components and software.
switcloud>>
Our values
Expertise
With 25+ years in global payments, our team brings deep industry knowledge from diverse ventures and markets. We've built solutions across multiple countries and payment verticals.
Collaboration
We embrace an "inverted firm" model that extends beyond internal resources. By fostering external partnerships, we've built a platform where community members collaborate to create shared value through knowledge and experience exchange.
Ownership
We believe in offering customers maximum autonomy. We believe that having full control over technology enables faster decision-making and project implementation. This is why Switstack offers source-available licenses.
Software focus
We prioritize automated testing and software-first development. By automating 95% of EMV test plans and using a software-defined approach, we streamline the development, security, testing, and operations life cycles.
Openness
We actively engage with the EMV software development community by sharing ideas, information, APIs, and code. Through collaboration with standards organizations, we help create better structures, improve development practices, and drive innovation.
Growth
We continuously seek out new practices, learn from diverse experiences, and broaden our perspectives. Our industry needs to modernize its software development tools to match current engineering best practices.