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

Payment engineering · since 2018

Payment engineering, on demand. Add engineering capacity without adding headcount. Developed, tested, and deployed in as fast as 60 days.

Engage us by the task or by the project. We measure ourselves by your results.

The numbers behind the work.

900+Projects Delivered
300+Payment Apps Built
BillionsIn Transactions Processed
131+EMV L3 Certifications
Trusted by · Certified with · 20+ integrations
Visa· American Express· PAX· Ingenico· Verifone· Clover· Datacap· NMI· Stripe· Global Payments· Worldpay· Fiserv· TSYS· Elavon· Chase· Heartland· Honeywell· Samsung· Visa· American Express· PAX· Ingenico· Verifone· Clover· Datacap· NMI· Stripe· Global Payments· Worldpay· Fiserv· TSYS· Elavon· Chase· Heartland· Honeywell· Samsung·
Core Services

Three core services. One expert team.

Paying.co (formerly Mojave Payment Technologies) is a payment engineering firm that has completed more than 131 EMV Level 3 certifications for processors, acquirers, ISOs, and ISVs since 2018. We run the full EMV L3 certification lifecycle — scoping, application development, FIME and ICC test-suite execution, and acquirer sign-off — across the United States, Canada, Latin America, the Caribbean, and Europe. Our in-house team builds and certifies native payment applications on PAX, Ingenico, Verifone, Clover, and ID TECH hardware against every major acquirer specification, including TSYS, Fiserv, Global Payments, Worldpay, and Elavon. Existing acquirer relationships let us clear certification bottlenecks before they form, so projects ship in months — not the year-plus timelines quoted elsewhere.

Specialized Programs

Productized expertise, delivered to a schedule.

Packaged engagements that turn our hardest-won capabilities into fixed-scope, fixed-outcome programs.

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auto_awesomeNEW PROGRAM

MPoC Certification Program

PCI MPoC certified in 90 days — or we keep working until you are. Tap-to-phone made shippable for ISVs, acquirers, and OEMs launching SoftPOS in the fastest-growing acceptance category.

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starFEATURED

Embedded Payments

Build payments into your SaaS without becoming a payments company. Built to your spec, often for less than building it yourself — certified, compliant, and shipped on your timeline.

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starFEATURED

SoftPOS · Tap-to-Phone

$0 hardware cost. Turn any NFC-capable smartphone or tablet into a contactless terminal. Full MPoC-compliant build, certified end-to-end, ready for app store deployment.

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starFEATURED

White Label Solutions

Skip the build, own the brand. Off-the-shelf platforms (Puny, HoneyBee Kiosk, Landed.net) plus custom white-label engagements — your name on the front, our engineering underneath.

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Platform Integrations

Locked into a platform's default processors? We build custom payment integrations for Oracle Simphony, ACCEO Logivision, and Odoo — choose your own acquirer, gateway, and terminal stack.

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PCI Compliance & Audit

P2PE, PCI DSS, and MPoC readiness — from gap assessment to remediation to attestation. Pre-audit validation with every major PCI-certified assessor. Built to pass.

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Android Payment Terminals

Custom payment applications for Android-based terminals. We build, certify, and ship native apps on PAX, Clover, Ingenico, and ID TECH hardware — engineered for the field, ready for production.

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AI for Payments

Payment-specific AI — fraud detection, dispute automation, reconciliation, and agentic checkout. Custom LLM pipelines built for payment workflows, not generic chatbots.

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Mobile App Development

Native iOS and Android apps for payments, ordering, and unattended commerce. MDM-ready, store-submission tested, and built by a team that ships production payment apps every quarter.

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Our Products

Revenue you can launch on day one.

Turnkey solutions that can be white labeled, so you can start generating revenue from day one.

AI Integrations

Built for the AI tools your team already uses.

Paying.co ships native MCP servers across Landed.net, Puny.io, Ask, and HoneyBee. Drop them into Claude, ChatGPT, or any MCP-compatible client and your team can publish sites, send payment requests, wrap credentials, and update kiosks — directly from the conversation.

"Send a pay by QR code link to sammy92002@yahoo.com for $100.00"

AP
Ask by Paying.co
Got it! You want me to generate a pay by QR code to sammy92002@yahoo.com for $100.00? Would you like to add a note with that?
Pay by QR code generated for $100

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Success Stories

Real projects. Real results. Real fast.

Three recent engagements — what came in, what shipped, and how long it took. Every project ends with working software in production, not a postmortem.

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Midwest ISO

Custom Android Payment Application

An ISO out of the Midwest needed a custom payment application built on Android — from concept to a first live customer transaction. We scoped, built, and shipped end-to-end. They were taking real card payments in production faster than most shops finish discovery.

4 wk
Concept to first transaction
Android
Native payment app
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Unattended Retail Operator

Sunmi P3 · TSYS Sierra

A high-growth unattended operator needed L3 certification on Sunmi hardware against TSYS Sierra. They'd been quoted seven figures elsewhere and needed it shipped in months. We built the application, ran full FIME / ICC suites in-house, and shipped with time to spare for their rollout.

7 mo
Quote to certified
60%
Below other quote
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European Petroleum Operator

Ingenico iSelf · Outdoor Pay

A European fuel operator needed L3 certification on outdoor pay-at-pump hardware against a notoriously strict processor spec. They came to us after a third party stalled. We ran a full pre-cert pass, caught the issues their previous vendor missed, and hit the original deadline.

8 mo
With rescue work
100%
First-pass approval
AI PROJECT INTELLIGENCE — INCLUDED WITH EVERY ENGAGEMENT

Every project we deliver comes with Velo.

A live, AI-powered window into your project. From kickoff to launch, you get near real-time insight into progress, milestones, and what's next — so you always know exactly where things stand while we're working together.

Common Questions

Answers before you ask.

How long does an EMV Level 3 certification take?
Most EMV Level 3 certifications ship in months rather than the year-plus timelines commonly quoted elsewhere. Recent engagements have ranged from roughly seven to eight months end-to-end, including rescue work on stalled submissions. Because we maintain existing relationships with every major acquirer, we clear certification bottlenecks before they form and run the full FIME and ICC test suites in-house.
Which regions and acquirers do you support?
We run the full certification lifecycle across the United States, Canada, Latin America, the Caribbean, and Europe, working with every major acquirer including TSYS, Fiserv, Global Payments, Worldpay, and Elavon. Our team certifies native payment applications on PAX, Ingenico, Verifone, Clover, and ID TECH hardware.
How fast can you get us MPoC certified for SoftPOS?
Our MPoC Certification Program targets PCI MPoC certification in 90 days — and if it takes longer, we keep working until you are certified. The program turns any NFC-capable smartphone or tablet into a contactless terminal with zero hardware cost, built end-to-end and ready for app store deployment for ISVs, acquirers, and OEMs.
Do you offer fixed pricing or do we need a payments team to engage?
You can engage us by the task or by the full project, with no in-house payments team required — that is the point. Productized programs are scoped to fixed outcomes, and qualifying new projects can use in-house financing of up to 24 months structured around project milestones, with no banks, no third parties, and no early-payoff penalties.
What languages does your team work in?
Our team and project leads are fluent in English, Spanish, and Polish, which supports our work across the US, Canada, Latin America, the Caribbean, and Europe.
What does "MCP-native" mean for your products?
We ship native MCP servers across Landed.net, Puny.io, Ask, and HoneyBee. You can drop them into Claude, ChatGPT, or any MCP-compatible client and have your team publish sites, send payment requests, wrap credentials, and update kiosks directly from the conversation.
Ready to Get Started?

Talk to our team.

Tell us what you're building. We'll tell you what it takes to get it certified, integrated, and shipped — and you'll hear back from a payments engineer, not a sales rep.

schedule
Response within one business day Most projects start with a 30-minute scoping call
engineering
You'll talk to an experienced sales engineer The person you brief is the person who scopes your build
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No-obligation feasibility review We'll help you scope it and determine the best path forward that matches your budget and timeline
language
We speak your language English, Spanish, and Polish — fluent across our team and project leads
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Partners power our growth Much of our success comes from strong partnerships — if you're exploring one, we'd love to talk
Got a payments question? We're online — usually reply within a few minutes.