Overview
Extend an existing Tap-to-Pay solution (e.g. Apple Tap-to-Pay) to support Android COTS devices — without building or certifying an EMV L2 stack or managing MPoC compliance requirements.
Who it’s for: Payment application teams, embedded payments teams, commerce platforms
Impact:
- Add Android Tap-to-Pay support without building EMV infrastructure
- Accelerate time-to-market by starting from MPoC-ready components
- Reduce compliance risk and engineering lift
- Expand reach with flexible support for commercial Android devices
The Challenge
For teams that already support Apple Tap-to-Pay, expanding to Android means confronting a fragmented ecosystem of devices and complex compliance requirements. Building a compliant SoftPOS solution involves:
- Navigating MPoC certification, attestation, and monitoring
- Integrating with secure components across diverse hardware
- Managing and certifying an EMV Level 2 kernel
- Ongoing maintenance to keep pace with scheme updates
These efforts can introduce delays of 12–18 months and require specialized EMV and security expertise — often outside the core focus of application teams.
How Switcloud Helps
Switcloud enables teams to extend their in-store payment experience to Android with minimal effort and no L2 certification burden:
- Pre-certified L2 LOC (moka) for COTS devices included
- MPoC-ready architecture:
- Software Component (on-device SDK)
- Service Component (cloud orchestration, attestation, and monitoring)
- Teams use pre-certified components and complete final MPoC certification for their app
- One SDK integration — no changes to existing L3 payment logic
- Compatible with commercial off-the-shelf Android devices
Why This Matters
MPoC-Ready Components
Switcloud provides both the on-device and cloud-based MPoC components needed for certification — saving months of security and infrastructure development.
No Kernel or Certification Work
Teams avoid managing or certifying L2 themselves — Switcloud handles EMV execution, monitoring, and compliance.
Same App, More Devices
Extend your payment app to Android Tap-to-Pay without rewriting flows or building new infrastructure.
Faster Rollout
Launch Android SoftPOS support in weeks instead of quarters — and reach merchants using a wide range of Android hardware.
