Field notes from the team behind 131+ EMV Level 3 certifications — on unattended systems, SoftPOS, AI in payments, and what actually ships.
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Tap-to-phone is the fastest-growing acceptance category in payments, and PCI MPoC is the standard that gates it. 192 individual security requirements. Accredited labs. Mandatory annual penetration tests. Visa and Mastercard mandates already in effect.
Kevin Medina
5 min read
Paying.co builds healthcare payment technology and infrastructure for hospitals, senior living operators, pharmacies, and health-tech vendors.
Kevin Medina
3 min read
Payment Systems & Secure Solutions Consulting: the decision that saves you six months
Kevin Medina
3 min read
Code reviews what you're building from the inside. Detect examines what you're exposing from the outside.
Kevin Medina
3 min read
Every transaction begins unclear. The job isn't to guess faster — it's to understand, and to be able to say why.
Kevin Medina
4 min read
Roomwork is a full project and team operations platform, built in-house by Paying.co and powered by Rōrk, its built-in AI assistant. Instead of learning a new tool, you just ask in plain language what needs your attention — Rōrk filters by due date, status, project, or assignee
Kevin Medina
4 min read
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.
Kevin Medina
7 min read
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.
Kevin Medina
3 min read
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.
Kevin Medina
6 min read
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..
Kevin Medina
8 min read
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.
Jose Delgado
3 min read
Payment engineering notes, certification guides, and the occasional real deployment story. No spam.