Mojave is now Paying.co — same team and expertise, now with a name that reflects our core mission. Learn more →
Payment Engineering · Since 2018

Build payments faster.


edit_note By the Paying.co engineering team · Updated August 6, 2026

Plug into an experienced payment engineering team and get to production without the learning curve.

Live EMV Level 3 transaction trace
CARD PRESENT
AMOUNT$32.50
STATUSAPPROVED
01 / 03
Metrics

The numbers behind the work.

01
900+
Projects delivered
02
300+
Payment apps built
03
Billions
Transactions processed
04
131+
EMV L3 certifications
Trusted By · Certified With

20+ integrations across the global payments ecosystem.

VISA
American Express
PAX
Ingenico
Verifone
Mastercard
Discover
Clover
Datacap
NMI
Stripe
Global Payments
Worldpay
Fiserv
TSYS
Elavon
Chase
Heartland
Honeywell
Samsung
EPX
Sunmi
Santander
Core Services

Three core services. One expert team.

Paying.co (formerly Mojave Payment Technologies) runs the full EMV L3 certification lifecycle, builds native payment apps on every major terminal, and engineers unattended platforms that run unattended. Existing acquirer relationships let us clear bottlenecks before they form.

Flagship · Managed program

EMV Level 3 Certification & Managed Programs

From scoping to acquirer sign-off, we run the full certification lifecycle across the US, Canada, LATAM, Caribbean, and Europe. Existing acquirer relationships clear bottlenecks before they form, so projects ship in months, not the year-plus timelines quoted elsewhere.

→ 131+ certs · 5+ regions · every major acquirer

Explore EMV capabilities →
L3ScopingApp buildFIME / ICCTSYSFiservGlobal PayWorldpay
Flagship · Field-deployed

Unattended Payment Systems

Turnkey, hardware-agnostic platforms for vending, EV charging, parking, petroleum, and car washes. Certified stacks on PAX, Ingenico, and Verifone, with MDB integration and field-ready Android terminals engineered for uptime.

→ Hardware-agnostic · field-deployed · MDB-native

See unattended platforms →
MDBVendingEV chargingParkingPetroleumPAXIngenicoVerifone
Flagship · In-house build

Custom Payment Development

We scope, design, and build in-house. C, Android, iOS, embedded, and cloud, all with payments DNA. From Clover apps and PAX terminals to multi-region acceptance stacks, we ship outcomes, not tickets.

→ In-house team · C / Android / iOS / embedded

Start a project →
BUILDCAndroidiOSEmbeddedCloverPAXCloudMulti-region
Technology Built By Paying.co

Transform how your payments work

Everything below grew out of real engineering work — purpose-built products for payments, certification, and security.

Included With Every Engagement VeloIQ — a live, AI-powered window into your project, from kickoff to launch.
Common Questions

Answers before you ask.

What's Next

Interested in learning more — or ready to start today?

Talk to our team

Have questions? Talk to a payments engineer.

Our payment-focused team will help you understand exactly how we can support your goals — whether that's a single task or a complete, end-to-end project. No sales-rep runaround; you'll talk to the people who actually build this.

Contact sales
By Paying.co
Ready to start · Benchmark

Already decided? Get a real-world estimate.

Benchmark is our self-guided estimation platform. Answer a few questions, share supporting details, and it assembles a rough, real-world estimate for the work you have in mind — in minutes, without waiting on a quote.

Try Benchmark

Non-binding estimate. Reviewed by our team before anything is final.

Need runway on a new project?