Simplify In-Store Payments

A universal EMV layer for in-person payments. Build, test, operate and deploy terminals at scale.

We support EMV Level 2 contactless & corresponding test automation

Own the Payment Stack
without EMV Complexities

For payment teams, hardware vendors, and integrators, Switstack standardizes EMV implementation so that teams can focus on value-add features and reduce certification risk and accelerate time to market.

Abstract APIs

Aggregate 200+ proprietary device interfaces into one standardized API layer. Simplify integration across heterogeneous terminal fleets.

Accelerate Certification

Leverage pre-certified EMV components to compress timelines from years to weeks. Reduce the cost and uncertainty of traditional certification cycles.

Maintain Control

Keep ownership of the EMV stack while lowering technical dependencies. Gain flexibility to support any hardware strategy without vendor lock-in.

A Software-Defined Approach to Card Processing

EMV is a global standard—but every deployment requires custom implementation with design, testing, and tooling. The traditional “software last” model tied EMV directly to hardware, creating rigid dependencies, longer QA cycles, and repeated certifications.

Switstack takes a “software first” approach, decoupling EMV from hardware. With virtual tools and built-in compliance, teams can bring new devices and platforms to market faster and with less risk.‍

Switstack Platform

Switstack decouples EMV software from hardware — enabling payment platforms and terminal manufacturers to build, test, and certify in-store payment systems without vendor constraints. A modular stack that simplifies integration, reduces certification effort, and supports any hardware environment.

switstack moka a Ready-to-Certify EMV Stack

Focus on core payment application development and integrate L2 through a normalized APIs.

Source Code Available

Full control over your codebase. Make customizations and adapt the framework to specific needs.

Built for Software Developers

Integrate kernels on a virtual platform and accelerate debugging, testing and pre-certification.

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Switcloud Secure & Unified EMV Infrastructure for Payment Teams

Embed in-store payment into any payment application using an SDK and managed EMV infrastructure service.

Universal Connector

An open, unified Payments API layer that manages the L2 stack, security, and compliance — while keeping the L3 app fully owned and controlled.

Hardware Agnostic

Compatible with both COTS (Tap-to-Pay) and existing PCI-PTS terminals — enabling scalable integration with existing terminals and future-proofed architecture.

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