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EMV L2 Projects
A ready-to-certify EMV Level 2 stack, with all the tooling to develop, compile, test, qualify, and maintain EMV payment acceptance solutions.
Build and Certify
your Own L2 Stack
Switstack moka is a software-defined EMV Level 2 framework for hardware teams building custom terminals
— with ready-to-certify code, modular architecture, and automated test tools.
Hardware Agnostic
Deploy moka on any hardware using a standardized HAL interface. Supports custom and branded terminal programs for PCI-PTS or COTS devices.
Own the Stack,
Without the Expertise
Gain full control over L2 kernel implementation — without managing every spec update or test plan manually.
Simplify and Accelerate L2 Certification
The moka codebase is always up-to-date with the latest specs and integrates with Swittest to automatically validate against official test plans during integration.
Build Branded Terminals
For hardware teams and embedded payment platforms
Avoid Vendor Lock-in
Deploy your own branded terminals without relying on third-party vendors. Moka runs on any PCI-PTS or COTS hardware, giving teams full control over the L2 layer and terminal integration.
Simplify L2 Integration
Use a ready-to-certify codebase and automated testing tools to integrate and validate your L2 stack—without deep EMV expertise or long certification cycles.
Offer Terminals with Built-In EMV Readiness
For terminal manufacturers and OEM platform teams
Accelerate Customers Integrations
Provide a pre-integrated L2 and test framework with your hardware, enabling faster deployments and reducing certification effort for customers.
Simplify ongoing maintenance
Reduce long-term maintenance efforts with moka’s ready-to-certify codebase that is always up to date with the latest specs and integrated testing tools to validate L2 behavior during development.
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Not just another
EMV L2 Stack
Moka is an open, ready-to-certify L2 framework that accelerates kernel development, supports pre-certification testing, and includes everything needed to deploy on terminal hardware - without requiring deep EMV expertise.
Standardized APIs
Moka exposes a unified GLA API for integrating EMV Level 2 into L3 applications across both COTS and PCI-PTS terminals. This allows developers to build and maintain a single payment application interface, regardless of underlying hardware
Automated Testing
Reduce the burden of EMV functional testing by automating tests with swittest during development and ensure the system is ready for pre-certification and certification.
Always up to date
Ready-to-certify code for Entry Point and kernels is qualified using accredited test tools and certified for COTS MPoC projects.
Online Docs
Access comprehensive documentation to learn how to port moka, integrate it with EMV Level 3, configure the data model and extend moka with new kernels
Virtual Terminal & Debugging Tools
Virtual Terminal
Develop, test and debug in a virtual environment instead of on a terminal and focus on core functionality instead of hardware variables.
Simulate terminal environments for development and EMV Level 2 functional testing.
Replay transactions
Replay transactions with actionable logs mapped to EMV specifications.
Enable remote team members to develop and test without expensive accredited tool licenses.
Virtual Cards
Define test cards to simplify testing and debugging.
Run Automated Test Plans
with Github Actions
CI/CD-ready for continuous EMV validation
Run automated EMV Level 2 test plans on each commit, performing regression testing, unit tests, integration tests, and functional tests to ensure code is ready for QA with accredited tools.
EMV Level 2 Updates
Full compliance with network specifications and test plans. Updates are based on weekly monitoring of test plans, tools and specifications changes.
Source-code Available
Clone, Adapt and Maintain the Code to Meet Project Requirements.
Extend contactless entry point, or adopt a new one to develop EMV Level 2 kernels.Leverage a community that constantly maintains, tests, and certifies the stack in an everchanging regulation environment.
Security by Design
Switstack moka offers a P2PE-ready architecture that protects sensitive data at its source through a dedicated API. This design prevents data exposure and simplifies PCI audits, regardless of physical architecture.
Built-in isolation between Level 2 application services and the sensitive data service manager.
Encapsulation of all EMV sensitive data within a moka service.
Get started with switstack moka
Signup for a 90 day trial license for full access to the git account with EMV CI, full switstack moka framework with Entry Point, message broker and mastercard kernel.
A Modern Approach to Card Processing
Moka enables payment application developers to implement and test an EMV Level 2 stack using software tools and best practices, rather than relying exclusively on hardware.
Software-Defined Architecture
Switstack moka uses a Software Defined approach that goes beyond standard hardware abstraction layers (HAL). The framework virtualizes all resources needed in the EMV Software Development Life Cycle (SDLC) and automates actions to help developers create better EMV systems.
When applied to Card Processing, the virtualization of resources and automation of actions enables platform services abstraction (HAL), Card virtualizationTerminal, VirtualizationTest tool emulation and EMV Tests Automation.
Message Broker
Switstack moka can be deployed on any hardware offering flexible security architecture. It uses a message broker architecture that provides flexibility in security implementation.
By using message-based communication between services instead of direct API calls, it maintains loose coupling and supports various deployment configurations based on project needs.
How it compares
See how moka compares to building and maintaining a home grown EMV L2 project
Switstack Solutions
A Full-Stack Platform for Card-Present Payments
We offer a full tool-set to empower teams building and integrating EMV L2 to deliver a secure in-store payment experiences without requiring deep EMV expertise or reliance on third-party hardware vendors.
switcloud
A unified L2 Infrastructure for teams building payment applications.
Includes moka L2 certified stack & MPoC-certification ready for COTS devices and integration with L2 stacks on PTS terminals.
switcloud>>
switstack moka
A ‘source-available’ EMV L2 framework for teams building hardware or integrating L2 onto terminals.
Build and own the L2 stack for PCI-PTS and SoftPOS solutions and deploy on any hardware
moka >>
swittest
An EMV testing service to accelerate certification-readiness for developers building & integrating EMV.
Compatible with existing EMV L2 libraries. Available for L3 tests in 2026.
swittest >>