Mojave Payment Technologies

What Mojave Payment Technologies does

Mojave Payment Technologies, operating as Paying.co since May 2026, is a Las Vegas-based payment engineering firm founded in 2018 that provides EMV Level 3 certification, custom payment application development, and unattended commerce system engineering. The company has completed 131+ EMV L3 certifications across the US, Canada, LATAM, the Caribbean, and Europe with a stated 97% first-time success rate, serving ISVs, acquirers, fintechs, and unattended commerce operators (vending, EV charging, parking, petroleum, car washes). Its team of 100+ payments specialists delivers projects in C, Android, iOS, embedded, and cloud environments, with certified stacks across PAX, Ingenico, Verifone, Clover, and ID TECH hardware platforms and direct integrations with Tier-1 processors and acquirers including TSYS, Fiserv, Global Payments, Worldpay, Chase, and Heartland.

The technology stack centers on a proprietary Foundry EMV L3 no-code certification framework, the Unclear post-transaction fraud intelligence platform (five scoring lenses: rules, decline signal, graph rings, merchant baseline, denylist floor), the HoneyBee Kiosk self-service platform, MDB Pay Connect for vending modernization, Pulse Pay Connect for legacy unattended systems, and AI tooling including Velo project intelligence, Rhumba AI Factory, Flaw.co penetration testing, and Landed.net page building. All major productized tools expose native MCP (Model Context Protocol) servers for AI-agent integration with Claude and ChatGPT, alongside free browser-based developer utilities (EMV TLV Parser, APDU Inspector, Luhn/PAN Validator, ISO 8583 Decoder).

Revenue flows through four streams: project-based professional services for payment engineering and certification, managed certification programs spanning the full EMV L3 lifecycle, recurring SaaS subscriptions for Flaw.co, Unclear, Landed.net, Puny.io, and HoneyBee, and white-label/licensing arrangements through the ISO Partner Program for ISOs and VARs. Go-to-market combines enterprise field sales for direct ISV/acquirer/fintech engagements, product-led growth with freemium tiers for self-serve tools, and OEM/embedded distribution via white-label and reseller channels. Customer-facing pricing is mostly quote-based with flexible in-house financing up to 24 months on qualifying projects, while Flaw.co publishes a $19.99/month Deep Scan tier.

Name

Mojave Payment Technologies

Legal name

Mojave Payment Technologies, LLC

Website

https://mojave.co

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

Paying.co (formerly Mojave Payment Technologies) is a Las Vegas-based payment engineering firm providing EMV Level 3 certification, custom payment development, and unattended commerce systems for ISVs, acquirers, fintechs, and unattended operators across five regions.

Ownership category

akta.pro rank

Product category

Payment Engineering and EMV Certification Software

NAICS

Sales Financing (52222)

SIC

Finance Services (6199)

akta.pro primary industry

EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

Keywords

• Payment engineering
• EMV certification
• Unattended payments
• Payment processing
• Embedded payments

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Professional Services - Payment Engineering: Project-based payment engineering engagements including EMV Level 3 certification, custom payment development, unattended system engineering, and PCI compliance services. Engaged by task or full project. Flexible in-house financing terms available for qualifying projects up to 24 months.
2. Managed Certification Programs: Full EMV L3 certification lifecycle management from scoping to acquirer sign-off across multiple regions.
3. Product Subscriptions and Licensing: SaaS products including Flaw.co (penetration testing), Unclear (transaction intelligence), HoneyBee Kiosk, Landed.net, Puny.io, and Ask sold via subscription and usage-based models.
4. White Label Solutions: Turnkey products white-labeled and resold by ISOs, VARs, and partners. Products include HoneyBee Kiosk, MDB Pay Connect, Pulse Pay Connect, and payment request platforms.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Mojave Payment Technologies (Paying.co) is a payment engineering company that delivers EMV Level 3 certification, custom payment application development, and unattended payment systems for ISVs, acquirers, fintechs, and unattended commerce operators. The company also sells a portfolio of productized SaaS platforms including Unclear (transaction intelligence), HoneyBee Kiosk, MDB Pay Connect, Pulse Pay Connect, Landed.net, Puny.io, Ask, Foundry, Velo, Rhumba AI, Flaw.co, and Benchmark, along with free browser-based payment engineering developer tools.

Product overview

Paying.co (formerly Mojave Payment Technologies) is a payment engineering company offering a comprehensive suite of payment technology products and services. The portfolio includes three core services (EMV Level 3 Certification, Unattended Payment Systems, and Custom Payment Development) supported by specialized product lines. Key products include Unclear (transaction intelligence/fraud scoring), Landed.net (AI web page builder with MCP integration), Puny.io (secure link shortening with MCP), Ask (white-label payment requests), HoneyBee Kiosk (self-service kiosk platform), MDB Pay Connect (vending integration), Pulse Pay Connect (unattended payment gateway), Rhumba AI (AI operations tooling), Velo (AI project intelligence), Foundry (no-code EMV certification), Benchmark (project estimation), and Flaw.co (AI penetration testing). The company also provides free developer tools including EMV TLV Parser, AID/RID Decoder, APDU Inspector, Luhn/PAN Validator, and ISO 8583 Decoder. All major products offer MCP server integrations enabling AI-native workflows with Claude and ChatGPT.

Differentiator

Problem solved

Functional benefit

Brands

• HoneyBee Kiosk: Self-service kiosk platform for quick-service restaurants, grocery, campus environments, and specialty retail with payment processing
• MDB Pay Connect
• Pulse Pay Connect
• Landed.net
• Puny.io
• Ask
• Unclear
• Foundry
• Velo
• Rhumba AI
• Flaw.co
• Benchmark

Products and services

• EMV Level 3 Certification Full EMV Level 3 certification lifecycle management across US, Canada, LATAM, Caribbean, and Europe. Manages scoping, app build, lab testing, and acquirer sign-off with existing processor relationships.
• Unattended Payment Systems Turnkey, hardware-agnostic platforms for vending, EV charging, parking, petroleum, and car washes with certified stacks on PAX, Ingenico, Verifone and MDB integration.
• Custom Payment Development In-house payment application development in C, Android, iOS, embedded, and cloud covering Clover apps, PAX terminals, and multi-region acceptance stacks.
• Embedded Payments Embedded payment infrastructure enabling ISVs and platforms to integrate payment acceptance directly into their applications.
• SoftPOS Software-based point-of-sale payment acceptance enabling mobile devices to function as payment terminals.
• White Label Solutions White-label payment platform allowing businesses to offer branded payment solutions including pay by QR, pay by link, and embedded payments.
• Managed Certification End-to-end certification management including gap analysis, remediation planning, QSA coordination, and continuous monitoring.
• PCI Compliance & Audit PCI DSS compliance services including penetration testing, gap analysis, remediation, documentation, and QSA-ready audit support.
• Penetration Testing Security testing services including external/internal network testing, web application testing (OWASP), mobile app testing, cloud configuration review (AWS, Azure, GCP), and API security.
• MPoC Certification Program Mobile Payment on COTS certification program for SoftPOS and mobile payment applications.
• Unclear Post-transaction intelligence platform that synthesizes payment signals into explainable fraud scores using five scoring lenses: rules, decline signal, graph rings, merchant baseline, and denylist floor.
• Landed.net AI-powered web page and landing page builder with 120 professional templates, embedded payments via Stripe, and MCP server for AI agent integration.
• Puny.io Secure link shortening and sharing platform with password protection, expiration dates, custom domains, folder organization, and MCP connector for AI integration.
• Ask White-label payment request platform for ISOs and VARs enabling pay-by-QR links with configurable expiration and payment method options.
• HoneyBee Kiosk Self-service kiosk platform for retail and hospitality supporting laundromat, vending, petroleum, event ticketing, gaming, food service, and donation use cases with white-label readiness and EMV-certified security.
• MDB Pay Connect MDB-level vending integration bringing modern card and mobile acceptance to traditional vending hardware with webhook integration and DEX file retrieval.
• Pulse Pay Connect Unified gateway for payment processors supporting pulse protocol connector for cashless payments on legacy pulse-based unattended systems. Certified on Datacap platform.
• Rhumba AI AI tooling for payments operations with Factory feature enabling dynamic AI-generated content for landing pages via drag-and-drop interface.
• Velo AI-powered project intelligence platform included with every engagement providing near real-time insight into progress, milestones, and project status during payment engineering engagements.
• Foundry EMV L3 certification framework providing no-code certification platform with pre-configured test cases, automated execution, and real-time validation.
• Benchmark Self-guided project estimation platform where users answer questions to receive rough real-world estimates for payment engineering projects.
• Flaw.co AI-powered penetration testing with free external scan providing instant security letter grades. Full pen test engagements available for internal networks, segmentation testing, and QSA-ready reporting.
• Payment Engineering Developer Tools Suite of free browser-based payment engineering tools including EMV TLV Parser & Builder, AID/RID Decoder, APDU Inspector, Luhn/PAN Validator, and ISO 8583 Decoder. All client-side only.

Quantifiable outcome

• 97% first-time certification success rate
• +5 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability8 records

Feature12 records

Partnerships

17 partnerships are on record, tiered minor and core.

• CAKE.com (Pumble)minorChannel Partner/ Reseller/ Distributor · 17 March 2026Puny.io is listed on the CAKE.com Marketplace for Pumble users. Enables secure URL shortening and link management directly inside Pumble team messaging workspace.
• Datacap (Pulse Connector)coreTechnology or Integration · 28 February 2026Pulse Connector for unattended payments is now available on Datacap platform, certified on NETePay Hosted and DSIEMVAndroid. Brings modern cashless payment capabilities to legacy pulse-based systems.
• PAXcoreTechnology or IntegrationPAX is a certified hardware platform for deploying payment terminals. Mojave/Paying.co has certified solutions on PAX devices including A920, A80, A35, and IM30 for unattended environments. Pulse Connector certified on PAX IM30 for cashless payment modernization.
• IngenicocoreTechnology or IntegrationIngenico is a certified hardware platform. Solutions certified on AXIUM, Move/5000, and Desk/5000 terminals for various payment environments including unattended and semi-attended.
• VerifonecoreTechnology or IntegrationVerifone is a certified hardware platform with solutions on V400m, V240m, and VX 805 terminals. Used for petroleum, parking, and other unattended environments.
• ClovercoreTechnology or IntegrationClover is a certified platform with custom payment applications developed for Clover hardware. Integration with Clover developer ecosystem.
• DatacapcoreTechnology or IntegrationDatacap is a payment gateway partner. Pulse Connector available on Datacap platform certified on NETePay Hosted and DSIEMVAndroid. Broad integration with Datacap's unattended payment ecosystem.
• NMIcoreTechnology or IntegrationNMI is a payment gateway integration partner providing connectivity for payment processing across various merchant segments.
• StripecoreTechnology or IntegrationStripe is a payment processor integration partner with solutions connecting to Stripe's payment infrastructure for card-present and card-not-present transactions.
• Global PaymentscoreTechnology or IntegrationGlobal Payments is an acquirer and processor partner with whom Mojave has completed EMV Level 3 certifications.
• WorldpaycoreTechnology or IntegrationWorldpay is an acquirer and processor partner with whom Mojave has completed EMV Level 3 certifications.
• FiservcoreTechnology or IntegrationFiserv is an acquirer and processor partner with whom Mojave has completed EMV Level 3 certifications.
• TSYScoreTechnology or IntegrationTSYS is an acquirer and processor partner with whom Mojave has completed EMV Level 3 certifications.
• ID TECHcoreTechnology or IntegrationID TECH is a certified hardware platform partner for payment terminal solutions.
• ElavoncoreTechnology or IntegrationElavon is an acquirer and processor partner mentioned in the trusted ecosystem of platform integrations.
• ChasecoreTechnology or IntegrationJPMorgan Chase is an acquirer and processor partner with whom Mojave has completed EMV Level 3 certifications.
• HeartlandcoreTechnology or IntegrationHeartland is an acquirer and processor partner with whom Mojave has completed EMV Level 3 certifications.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mojave Payment Technologies