*A Software-defined Acceptance Platform for In-store Payments*

VISION
Our industry is not geared to scale. It is time for a transformation.

MISSION
To become the in-store payment reference platform.

Switstack provides a unified platform for building, testing, and deploying EMV-compliant in-store payment systems — with solutions tailored for both **payment application** 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 abstract complexity from a software-defined approach that reduces integration times, and enables unprecendented scaling.

**Switstack is ideal for:**

- Platforms adding in-store payments or expanding to Android Tap-to-Pay
- SoftPOS, or Bring-Your-Own-Terminal programs needing flexible hardware support
- OEMs and hardware teams modernizing EMV terminals
- Teams replacing legacy EMV infrastructures, or bridging online payment to card-present use cases

With Switstack, teams build modern payment experiences without deep EMV expertise while maintaining full control over UX and architecture.

**The Switstack platform includes:**

- **Switpay** An MCP-based layer to accelerate application developments from hosts like Claude, Cursor, VSCode, ...
- **Switcloud** A managed compliance 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 EMV L2 execution and certification responsibilities including MPoC compliance.
- **Swittest** An automated EMV L2/L3 testing service enabling fast validation across development workflows, eliminating black-box test cycles and reducing compliance costs.
- **Moka**A hardware-agnostic, source-available EMV L2 stack for **terminal developers** that provides full ownership without building from scratch. Ready-to-certify code and standardized APIs.

Switstack

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