Payment engineering · since 2018

Payments are hard. Shipping them shouldn't take a year.

We are the payment engineering team you plug in by the task or the project. 131+ EMV Level 3 certifications delivered, with custom payment apps, SoftPOS, and unattended systems live 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
Billions
In Transactions Processed
131+
EMV L3 Certifications
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 →
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 →
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 →
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·
Capabilities

Built to cover the whole payment lifecycle.

Success stories

Real projects. Real results. Real fast.

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

Our products

Revenue you can launch on day one.

Turnkey products you can white-label and resell. Start small on existing hardware, brand it as your own, or build a full platform — the commitment scales with your ambition.

AI-native infrastructure

Our products speak MCP — so your AI tools can too.

Paying.co builds its own products, then exposes them through native MCP servers. Puny, Landed, and Ask aren't just tools you use — they're tools your AI can operate directly. Publish a page, shorten a link, or send a payment request, straight from the conversation.

ask.paying.co/mcp
youSend a pay-by-QR link to sammy@example.com for $100.
ask.create_payment_request()
Askby paying.co
recipientsammy@example.com
amount$100.00
methodPay by QR
expires24 hours
puny.io/mcp
youShorten this checkout URL and put it on my brand domain, expiring in 7 days.
puny.shorten_links()
Punyby paying.co
shortgo.yourbrand.co/x7k2
domainyourbrand.co
expires7 days
qrGenerated
landed.net/mcp
youPublish a landing page for our new SoftPOS product with a signup form.
landed.create_page()
Landedby paying.co
urlsoftpos.landed.net
templateProduct launch
formSignup · live
statusPublished

Drop them into Claude, ChatGPT, or any MCP-compatible client. Explore the developer docs →

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.

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.

Got a payments question? We're online — usually reply within a few minutes.