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.
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.
Why Switstack
EMV development and maintenance is time-consuming and expensive. Building an EMV Level 2 stack provides no competitive advantage by itself. Meanwhile, global EMV adoption is accelerating, creating increased demand for Level 2 solutions.
We built Switstack to break down these barriers by simplifying EMV acceptance software development and compliance.
A solution to Accelerate EMV Projects
Moka is designed to be the first source-available framework that frees up resources and empowers developers. Whether building for Commercial Off-The-Shelf (COTS) devices or traditional PCI-PTS terminals, teams can focus on what matters for creating innovative payment services that stand out.
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.