Software engineering · Payments · AI

We build the hard part.

Software engineering for the systems businesses depend on — from payments and connected experiences to platforms, modernization and AI.

900+Projects delivered
300+Payment apps built
131+EMV L3 certifications
BillionsTransactions processed
Trusted by · Certified with
VISA Mastercard PAX Ingenico Verifone TSYS
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What we do

Software engineering, from idea to production.

Paying.co designs, builds, integrates and certifies software for companies where technology is critical to the business.

01

Custom Software

Web, mobile and embedded applications built around your business, workflows and infrastructure.

02

Platforms & Systems

Modernize legacy applications, architecture and infrastructure without starting over.

03

Payments & Integrations

Payment applications, devices, APIs, processors and connected systems engineered to work together.

04

AI & Automation

Practical AI, agents and automation integrated into real products and business workflows.

And when complexity goes deeper: EMV & managed certification · PCI & security · Cloud & DevOps · Embedded & unattended systems

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01 · FOUNDATIONS

Start further ahead.

Deep payment experience and proven foundations mean less ramp-up, fewer wrong turns and faster progress.

Built to accelerate

Foundry

Proven EMV L3 infrastructure. Up to 60% faster.

01 · FoundationProven building blocks
02 · IntegrateYour product + stack
03 · ProductionShip with confidence
60%faster path forward
02

Your team. Your stack. Your cadence.

Our engineers work alongside yours — not around them. We fit into your existing stack, practices and delivery cadence.

Your stackYour toolsYour process
YOUR TEAM Your engineersBuild the product Your processYour existing workflow Your stack & toolsThe systems you run P PAYING.CO Embedded engineersInside your team Aligned to your stackYour tools, not ours Following your rhythm
03 · Selected work

Proof, not promises.

The hard part is rarely one feature. It is getting devices, software, processors, certification and production requirements to work as one dependable system.

Representative engagement · Payment engineering

From fragmented requirements to a production-ready payment platform.

A typical Paying engagement brings the difficult layers together: application engineering, device integration, processor connectivity, certification and the realities of deployment.

Explore our work →Built for real-world production
Challenge

Multiple technical dependencies, certification requirements and production constraints had to move forward as one program.

We built

The application and integration layer connecting payment hardware, processor services and the surrounding platform.

We handled

Engineering through certification readiness, reducing handoffs between separate vendors and specialist teams.

Outcome

A clearer path to production with the critical payment work owned end to end by one engineering partner.

04 · Explore Paying.co

Deep expertise where software gets difficult.

Payments are in our DNA. Our engineering reaches further — across platforms, connected systems, modernization, AI and the infrastructure behind them.

Payments
Build, integrate and modernize payment systems.
From payment applications and processor integrations to modernization and production support, we help teams solve the hard parts of moving money.
Want to talk about your project?Let’s talk strategy
Live messaging
Shared docs
Task tracking
roomwork.co / paying × acme
EMV L3 Certification
Acme Payments · 12 countries
On track
JD
MK
L3
Done
RS
R
JD
MK
05

Our platform comes with the engagement.

Rōrk Roomwork is infrastructure we built for delivery — one place for communication, documentation, decisions and progress. Less project overhead. More shared context from day one.

Real-time messaging scoped to each project
Shared documentation that stays in sync
Task and milestone tracking you can see
06 · Built differently

Better engineering economics.
Without reinventing the wheel.

Experience matters. So does what you bring with it. Paying combines senior engineering with platforms, foundations and reusable infrastructure we have already built — helping teams move faster without paying to solve the same problems twice.

01

Built for production.

Not prototypes. Software engineered for the environments, dependencies and operational realities your business depends on.

02

Deep where it matters.

Payments, connected systems, security, infrastructure and complex integrations — the difficult layers where experience compounds.

03

Platforms, not reinvention.

When our foundations and accelerators can remove work, reduce risk or shorten the path to production, we bring them with us.

04

Strategy through delivery.

One engineering partner from the first hard question through implementation, integration and production.

Experience+Platforms=Better outcomes
Common Questions

Answers before you ask.

01
Most L3 certifications ship in months, not the year-plus timelines quoted elsewhere. The exact timeline depends on hardware, acquirer, and scope, but because we run the full lifecycle in-house — scoping, application build, FIME and ICC test-suite execution, and acquirer sign-off — and hold existing acquirer relationships, we clear bottlenecks before they form. We have completed 131+ L3 certifications to date.
02
We certify across the United States, Canada, Latin America, the Caribbean, and Europe, against every major acquirer specification — including TSYS, Fiserv, Global Payments, Worldpay, and Elavon. We build and certify native applications on PAX, Ingenico, Verifone, Clover, and ID TECH hardware.
03
Our MPoC Certification Program targets PCI MPoC certification in 90 days — or we keep working until you are. It is built for ISVs, acquirers, and OEMs launching SoftPOS or tap-to-phone in the fastest-growing acceptance category, with the full MPoC-compliant build certified end-to-end and ready for app-store deployment.
04
You do not need an in-house payments team. You can engage us by the task or by the project, and many of our specialized programs are offered as fixed-scope, fixed-outcome engagements. Tell us what you are building and we will tell you what it takes — you will hear back from a payments engineer, not a sales rep.
05
Our engineering spans C, Android (Java/Kotlin), iOS, embedded, and cloud — all with payments DNA. On the human side, our team supports engagements across our operating regions in the Americas and Europe, so cross-border projects are routine for us.
06
It means our products ship with native Model Context Protocol servers, so AI tools can operate them directly. Drop Ask, Puny, or Landed into Claude, ChatGPT, or any MCP-compatible client and your AI can send a payment request, shorten a link, or publish a page — straight from the conversation. See our developer docs for details.
From the payment stack

Latest insights

Practical perspectives on payment technology, certification, security, and the systems around them.

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07

Bring us the hard part.

Complex software. Payments. Platforms. Modernization. AI.
Tell us what you’re trying to solve. We’ll tell you how we’d approach it.

Some problems need more than off-the-shelf software. Let’s talk about yours.

Start a conversation
No obligation. Start with the problem — we’ll take it from there.