Unified L2 infrastructure
for in-person payments
Add card-present payments to your platform — with full control, faster certification, and flexible terminal support.
Deploy one payment acceptance app to power every in-store experience.
Integrate one SDK to deploy across terminals — without managing kernel specs, certification labs, or device-specific L2 logic. Switcloud abstracts EMV infrastructure while teams retain full control of the payment application.
Own the App UX - not the EMV stack
Switcloud provides an API-first integration that enables full control over the implementation — while handling all L2 execution and compliance behind the scenes.
EMV Expertise Included
Teams define payment logic while Switcloud handles secure EMV L2 processing and manages kernel specs, certifications, and compliance updates.
Expand to new products and markets
Launch a existing payment app in new geographies or deploy to new devices without requiring additional development or compliance.
A universal connector API for any PCI-PTS terminal
Deploy Across Terminals
Connect to third-party certified terminals with Switcloud’s universal L2 connector. Maintain a single payments API and application flow across mixed device fleets.
Integrate with Merchant-Preferred Terminals
Give merchants the freedom to choose their hardware. Onboard new third-party terminals without any additional customizations, supporting diverse fleets with minimal engineering effort.
Turn any device into a SoftPOS with a secure tap-to-pay infrastructure
Add a SoftPOS offering or support for Android.
Turn standard Android hardware into secure, compliant SoftPOS terminals with full control over the UX.
L2 Certified and MPOC-ready
Switcloud ships with moka (EMV L2) and MPoC components, so teams don’t have to manage L2 development or compliance.
Hybrid Architecture Built for Control and Flexibilty
Switcloud standardizes how payment apps interact with terminals — by exposing a unified interface across hardware types and offloading kernel complexity.
Centralized estate management
Model stores, merchants, and POIs with clear ownership and config inheritance.
EMV configurations
Centralize EMV compliance across devices and geographies and view or manage in the Switcloud UI.
Built-in offline mode
Transactions are queued locally and synced securely when back online
Single SDK across device types
One implementation for Android COTS and PCI-PTS terminals.
Modular kernel support
Use pre-built L2 connectors for popular PCI-PTS terminals or build a custom connector to any kernel — without changing payment app logic.
Built-in testing support
Access Swittest, an EMV testing service for validating full L2 test suites and custom test scenarios.
A software-defined L2 payment infrastructure
Switcloud is a hybrid architecture that provides an abstracted EMV L2 processing layer and centralized estate/configuration management for building modern in-store payment applications.
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Switcloud SDK
The SDK is installed into the payment app and manages transaction orchestration, kernel execution (moka or external), and device config.
Switcloud UI
A cloud-based admin UI gives teams visibility and control over their device estate and EMV configurations. Centrally manage and view deployment across fleets.
Switcloud Services
Switcloud APIs coordinate EMV parameters, estate hierarchy, transaction processing, and attestation.
Security and Compliance
Includes Pre-certified EMV L2 stack (LOC) and pre-certified MPoC components (Software + Service) for COTS devices.
A unified software-defined platform for EMV card-present payments. Reduce resources and dependencies and gain faster time to market.
Teams maintain a single L3 codebase while supporting both Android COTS and PCI-PTS terminals. EMV configurations, estate management, and transaction routing are handled centrally.
Join the list
We are currently meeting with interested companies and working with teams that are making plans to include switcloud for 2026 projects.
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 >>