The Payment Stack

Payments engineering, in the open.

EMV certification, unattended commerce, Android payment apps, and the platform behind them. Deep payments expertise, delivered on your timeline, so your team stays on theirs.

EMV Level 2 Certification, Explained
EMV

EMV Level 2 Certification, Explained

Every chip-card transaction you have ever tapped or inserted passed through a piece of software you never see: the EMV kernel. EMV Level 2 certification is what proves that kernel works correctly and securely before a terminal is ever allowed near a live card.

EMVEMV L3 CertificationEMV L3EMV L2EMV Level 2
Kevin Medina
Kevin Medina · · 7 min read
Understanding MDB Levels and How They Shape Vending Payments
vending

Understanding MDB Levels and How They Shape Vending Payments

A practical guide to MDB Levels 1, 2, and 3, the protocol that governs how your vending machine handles payment. Learn how each level shapes transaction speed, user flow, and the contactless tap-to-pay experience, and which one to target.

vendingunattendedunattended paymentsVending, Unattended Payments, MDB, Contactless Payments, Payment Engineering, EMV, SoftPOS, Vending Technology
Kevin Medina
Kevin Medina · · 3 min read
Built by Payment Engineers, For Payment Engineers: The Paying.co Developer Toolkit
Developer Tools, EMV, Payments, Open Source, Engineering

Built by Payment Engineers, For Payment Engineers: The Paying.co Developer Toolkit

Most payment platforms hand you a dashboard and a support queue. We took a different route. Paying.co puts the same parsing and decoding logic our team relies on during certification directly in your browser — free, client-side, and no sign-up.

Developer Tools, EMV, Payments, Open Source, Engineering
Kevin Medina
Kevin Medina · · 6 min read
What Is PCI Compliance? Levels, Requirements, and How to Stay Compliant (2026 Guide)
PCI Compliance

What Is PCI Compliance? Levels, Requirements, and How to Stay Compliant (2026 Guide)

If your business touches a credit card number at any point, whether you swipe it, tap it, key it in, or simply pass it to a processor, you are operating inside the world of PCI compliance. For merchants, ISVs, and payment engineers alike, understanding the Payment Card Industry Data Security..

PCI CompliancePCI DSSPayment SecurityPenetration TestingCompliancepayments
Kevin Medina
Kevin Medina · · 8 min read
What payment technical debt actually looks like
certification

What payment technical debt actually looks like

Most payment systems don't fail dramatically. They erode. A processor integration written in 2014 still works, so nobody touches it. A magstripe fallback path that "we'll fix next quarter" becomes load-bearing.

certificationtechnical debtmodern paymentsEMV L3 Certificationpaying.co
Jose Delgado
Jose Delgado · · 3 min read
Payment Engineering, On Demand
EMV

Payment Engineering, On Demand

Your developers know your application inside out. Payments shouldn't be the thing that slows them down.

EMVpayment engineeringAndroidartificial intelligenceapiEMV L3 Certificationgatewayspaymentssecurity
Kevin Medina
Kevin Medina · · 3 min read
Build and Publish Websites Instantly and Never Leave Your Claude Conversation

Build and Publish Websites Instantly and Never Leave Your Claude Conversation

How to Install the Landed.net MCP Connector for Claude AI If you've ever wanted to create and publish a

paying.co
Kevin Medina
Kevin Medina · · 9 min read
Embedded Payments: Stop Renting Your Rails, Start Owning Your Revenue
embedded Payments

Embedded Payments: Stop Renting Your Rails, Start Owning Your Revenue

Paying.co builds the rails. You build the company. Every SaaS platform, vertical software vendor, marketplace, and ISV eventually arrives at the same realization: payments are no longer a feature, they are the business.

embedded PaymentsrailsCNPpaymentspaying.co
Jose Delgado
Jose Delgado · · 5 min read
Turn Every Counter into a Revenue Stream: How HoneyBee Kiosk Makes Unattended Self-Service the Easiest Sale You'll Make This Year
honeybee

Turn Every Counter into a Revenue Stream: How HoneyBee Kiosk Makes Unattended Self-Service the Easiest Sale You'll Make This Year

If you're an ISO, VAR, agent, or merchant looking for the next obvious add-on to your payment processing book, here is the short version: unattended self-service is no longer a maybe.

honeybeekioskunattendedpaying.coAI
Jose Delgado
Jose Delgado · · 4 min read
A New Name, The Same Mission: Mojave is Now Paying.co
mojave

A New Name, The Same Mission: Mojave is Now Paying.co

A New Name, The Same Mission: Mojave is Now Paying.co After years of building payment technology for businesses across the country

mojavepaying.coEMVtransitionpayments
Jose Delgado
Jose Delgado · · 3 min read
Is Your Recurring Billing Platform Antiquated and Quietly Killing Your Revenue
recurring billing

Is Your Recurring Billing Platform Antiquated and Quietly Killing Your Revenue

If your business runs on subscriptions, memberships, SaaS seats, or any flavor of recurring revenue, there is a number you should know cold: subscription businesses lose an estimated $129 billion every year to failed payments alone, and roughly 20 to 40 percent of all customer churn is involuntary.

recurring billinggatewayspaymentsEMV L3Payments, Tokenization, EMV, PCI Compliance, FinTech, Security, MojavenmiDatacapauth.netpaying.co
Jose Delgado
Jose Delgado · · 4 min read
Choosing the Right Payment Integration Partner
Android

Choosing the Right Payment Integration Partner

Choosing the Right Payment Integration Partner Payments look simple from the outside. A customer taps, swipes, or clicks, and money moves. The

AndroidpaymentscontractorEMVPayments, Tokenization, EMV, PCI Compliance, FinTech, Security, Mojavepaying.co
Jose Delgado
Jose Delgado · · 5 min read