Switstack

*A Software-defined EMV Platform for In-store Payments* Switstack provides a unified platform for building, testing, and deploying EMV-compliant in-store payment systems — with solutions tailored for both **payment application teams** and **terminal/kernel development teams**. Founded by industry veterans with decades of payment infrastructure experience, Switstack brings deep expertise to solving complex EMV challenges. We simplify EMV complexity with software-defined components that reduce certification time, increase flexibility, and eliminate vendor lock-in. **Switstack is ideal for:** - Platforms adding in-store payments or expanding to Android Tap-to-Pay - SoftPOS or BYOT programs needing flexible hardware support - OEMs and hardware teams modernizing terminals - Teams replacing legacy L2 infrastructure or accelerating certifications With Switstack, teams build modern payment experiences without deep EMV expertise while maintaining full control over UX and architecture. **The Switstack platform includes:** - **Switcloud**A managed EMV L2 infrastructure layer for **payment application teams** that enables direct in-store card acceptance with a unified SDK supporting both Android COTS and PCI-PTS terminals. Switcloud handles all L2 execution and certification responsibilities including MPoC compliance. - **Moka**A hardware-agnostic, source-available EMV L2 stack for **terminal developers** that provides full ownership without building from scratch. Accelerate certification with ready-to-certify code and standardized APIs. - **Swittest**An automated EMV L2 testing service that enables fast validation across development workflows, eliminating black-box test cycles and reducing compliance costs.