About

Paying.co, the operating brand of Mojave Payment Technologies, LLC, is a Las Vegas-based payment engineering and software development company built for the hardest problems in the payments stack. We specialize in EMV Level 3 certifications, custom Android payment applications, SoftPOS/MPoC, unattended and self-service payment systems, and PCI/security compliance — serving processors, ISVs, and ISOs across the United States, Canada, LATAM, Europe, and the Caribbean.
→ Proven at scale. With 131+ completed EMV Level 3 certifications and 700+ delivered projects, Paying.co brings a track record few firms can match. Every engagement is backed by deep, hands-on expertise across the certification lifecycle — from kernel configuration and terminal integration to processor onboarding and production sign-off.
→ Payment engineering on demand. We function as an extension of your team. Whether you need a single certification fast-tracked or a full custom payment application built from the ground up, our engineers handle the complexity so you can focus on going to market. We work directly with the major processors, hardware platforms (PAX, Ingenico, ID TECH, Clover, Sunmi, and more), and acquirer networks.
→ Core capabilities:
✓ EMV Level 3 certification management across all major processors
✓ Custom Android payment app development
✓ SoftPOS / MPoC (tap-to-phone) solutions
✓ Unattended and kiosk-based payment systems
✓ PCI and security compliance, including penetration testing
✓ AI-enabled tooling that accelerates certification and integration timelines
→ Why teams choose us. Certifications are notoriously slow, expensive, and unpredictable. Paying.co changes that equation with a repeatable, engineering-led approach that compresses timelines and removes guesswork. Our clients get clear scoping, transparent statements of work, and senior engineers who have done this hundreds of times before.
→ Built for the modern payments ecosystem. Beyond certifications, Paying.co develops and operates a growing suite of payment software and platforms, applying the same rigor to product as we do to client engagements.
If you're a processor, ISV, or ISO that needs payment work done right the first time, Paying.co is the engineering partner behind the terminals, apps, and certifications that move money.