Switstack

Switstack is a payment infrastructure company building software-defined EMV acceptance for physical retail. It ships three products: switstack moka, a source-available EMV Level 2 kernel stack with brand Letters of Compliance; Switcloud, a hosted "universal compliance infrastructure" that abstracts EMV L2 execution and centralizes estate (organization/merchant/store/POI) and EMV configuration (CAPK, BIN, CRL, kernel parameter) management behind a REST API; and Swittest, a managed EMV functional test-automation service for labs and developers certifying card-present applications. The platform is terminal-agnostic and L2-stack agnostic — one L3 application runs across Android COTS tap-to-pay devices and PCI-PTS terminals via a GLA adapter layer — and Switstack supplies pre-certified PCI MPoC software and service components to shrink certification scope.

Switstack publishes 8 APIs on the APIs.io network, including Auth API, BOM API, Config API, and 5 more. Tagged areas include Company, Fintech Insurtech, Payments, EMV, and emv-level-2.

Switstack’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, signup flow, authentication, and 28 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.8/100 developing ▬ flat Agent 28/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

4 APIs

Company Fintech Insurtech Payments EMVemv-level-2Card Present Point-of-Sale SoftPOS Tap to PayPayment TerminalsIn-Store Paymentspci-mpoccertification-testingRetail Paymentsestate-management

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 41.8/100 · developing

Contract Quality 9.3 / 19

Developer Ergonomics 12.1 / 15

Access Clarity 2.0 / 15

Operational Transparency 0.3 / 10

Contract Governance 1.6 / 9

Discoverability 5.6 / 8

Regulatory Posture 6.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/switstack: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Switstack Auth API

The Auth API from Switstack — 3 operation(s) for auth.

Switstack BOM API

The BOM API from Switstack — 6 operation(s) for bom.

Switstack Config API

The Config API from Switstack — 29 operation(s) for config.

Switstack Parser API

The Parser API from Switstack — 4 operation(s) for parser.

Switstack Payment API

The Payment API from Switstack — 4 operation(s) for payment.

Switstack Suite API

The Suite API from Switstack — 2 operation(s) for suite.

Switstack Test API

The Test API from Switstack — 5 operation(s) for test.

Switstack Validation API

The Validation API from Switstack — 6 operation(s) for validation.

Scroll for all 8

Arazzo Workflows 3

Multi-step API workflows described with the Arazzo specification.

Onboard a Switcloud terminal

Authenticate, build the Merchant -> Store -> POI estate, assemble a minimum EMV configuration, and bundle it into the POIConfig a terminal fetches at runtime. This is steps 1 an...

ARAZZO

Verify and run a Swittest EMV test suite

Authenticate, discover a suite, inspect a test and its scope, validate a custom suite, then run a selection and consume the Server-Sent Events stream. Every operationId is verif...

ARAZZO

Take a Switcloud payment and reconcile it

The backend half of a Switcloud card-present transaction: authenticate as a basic/machine user, create a Payment against a POI and POIConfig, wait for the on-device leg, then re...

ARAZZO

Pricing Plans 1

Published pricing tiers and plan structures.

Switstack Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Switstack Rate Limits

0 limits

RATE LIMITS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Switstack Authentication

oauth2 · 1 scheme

SECURITY

Switstack Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Switstack Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Switstack Agentic Access

128 operations · 89 acting · 2 human-in-the-loop

128 operations · 89 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

DataModel

Lifecycle

Conformance

Arazzo

Arazzo

Arazzo

Scroll for all 8

Build 6

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Packages

SDKs

CLI

Examples

Examples

Access & Security 3

Authentication, authorization, and security posture

OAuthScopes

OAuthScopes

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

License

License

Plans

Plans

Company 3

The organization behind the API

Website

Website

Blog

Blog

BlogRSS

BlogRSS

Other 2

Properties that don't map to a standard resource type

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

aid: switstack
name: Switstack
description: 'Switstack is a payment infrastructure company building software-defined EMV acceptance for physical retail.
  It ships three products: switstack moka, a source-available EMV Level 2 kernel stack with brand Letters of Compliance; Switcloud,
  a hosted "universal compliance infrastructure" that abstracts EMV L2 execution and centralizes estate (organization/merchant/store/POI)
  and EMV configuration (CAPK, BIN, CRL, kernel parameter) management behind a REST API; and Swittest, a managed EMV functional
  test-automation service for labs and developers certifying card-present applications. The platform is terminal-agnostic
  and L2-stack agnostic — one L3 application runs across Android COTS tap-to-pay devices and PCI-PTS terminals via a GLA adapter
  layer — and Switstack supplies pre-certified PCI MPoC software and service components to shrink certification scope.'
url: https://raw.githubusercontent.com/api-evangelist/switstack/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://cdn.prod.website-files.com/677bdd3fa1a7f9a1d8e76d2e/67879a394c57fb7c99783259_switstack_meta.png
x-type: company
x-source: serena-portfolio
specificationVersion: '0.23'
created: '2026-08-17'
modified: '2026-08-17'
tags:
- Company
- Fintech Insurtech
- Payments
- EMV
- emv-level-2
- Card Present
- Point-of-Sale
- SoftPOS
- Tap to Pay
- Payment Terminals
- In-Store Payments
- pci-mpoc
- certification-testing
- Retail Payments
- estate-management
tags_raw:
- Company
- Fintech Insurtech
- payments
- emv
- emv-level-2
- card-present
- point-of-sale
- softpos
- tap-to-pay
- payment-terminals
- in-store-payments
- pci-mpoc
- certification-testing
- retail-payments
- estate-management
apis:
- aid: switstack:switstack-auth-api
  name: Switstack Auth API
  description: The Auth API from Switstack — 3 operation(s) for auth.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/switstack-auth-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
- aid: switstack:switstack-bom-api
  name: Switstack BOM API
  description: The BOM API from Switstack — 6 operation(s) for bom.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags:
  - BOM
  properties:
  - type: OpenAPI
    url: openapi/switstack-bom-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
- aid: switstack:switstack-config-api
  name: Switstack Config API
  description: The Config API from Switstack — 29 operation(s) for config.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags:
  - Config
  properties:
  - type: OpenAPI
    url: openapi/switstack-config-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
- aid: switstack:switstack-parser-api
  name: Switstack Parser API
  description: The Parser API from Switstack — 4 operation(s) for parser.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags:
  - Parser
  properties:
  - type: OpenAPI
    url: openapi/switstack-parser-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
- aid: switstack:switstack-payment-api
  name: Switstack Payment API
  description: The Payment API from Switstack — 4 operation(s) for payment.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/switstack-payment-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
- aid: switstack:switstack-suite-api
  name: Switstack Suite API
  description: The Suite API from Switstack — 2 operation(s) for suite.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags:
  - Suite
  properties:
  - type: OpenAPI
    url: openapi/switstack-suite-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
- aid: switstack:switstack-test-api
  name: Switstack Test API
  description: The Test API from Switstack — 5 operation(s) for test.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags: []
  tags_raw:
  - Test
  properties:
  - type: OpenAPI
    url: openapi/switstack-test-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
- aid: switstack:switstack-validation-api
  name: Switstack Validation API
  description: The Validation API from Switstack — 6 operation(s) for validation.
  humanURL: https://docs.switstack.io/switcloud/
  baseURL: https://switcloud.switstack.io/
  tags:
  - Validation
  properties:
  - type: OpenAPI
    url: openapi/switstack-validation-api-openapi.yml
  - type: APIReference
    url: https://docs.switstack.io/api/switcloud/api/switcloud-srv/
  - type: Documentation
    url: https://docs.switstack.io/switcloud/
  - type: GettingStarted
    url: https://docs.switstack.io/switcloud/getting_started/
  - type: Authentication
    url: https://docs.switstack.io/switcloud/security_authentication/
  - type: DataModel
    url: data-model/switstack-data-model.yml
  - type: APIReference
    url: https://docs.switstack.io/api/swittest/api/swittest-srv/
  - type: Documentation
    url: https://docs.switstack.io/swittest/
  - type: GettingStarted
    url: https://docs.switstack.io/swittest/setup/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/switstack-switcloud-overlay.yaml
- type: Overlay
  url: overlays/switstack-swittest-overlay.yaml
- type: AgenticAccess
  url: agentic-access/switstack-agentic-access.yml
- type: OAuthScopes
  url: scopes/switstack-scopes.yml
- type: Website
  url: https://www.switstack.io/
- type: DeveloperPortal
  url: https://docs.switstack.io/
- type: Documentation
  url: https://docs.switstack.io/
- type: APIReference
  url: https://docs.switstack.io/api/
- type: GettingStarted
  url: https://docs.switstack.io/switcloud/getting_started/
- type: Blog
  url: https://www.switstack.io/blog
- type: BlogRSS
  url: https://www.switstack.io/blog/rss.xml
- type: GitHubOrganization
  url: https://github.com/switstack
- type: Support
  url: https://github.com/switstack/switstack-issues
- type: SignUp
  url: https://www.switstack.io/get-started
- type: License
  url: https://docs.switstack.io/moka/license/
- type: Authentication
  url: authentication/switstack-authentication.yml
- type: Conventions
  url: conventions/switstack-conventions.yml
- type: ErrorCatalog
  url: errors/switstack-problem-types.yml
- type: DataModel
  url: data-model/switstack-data-model.yml
- type: Lifecycle
  url: lifecycle/switstack-lifecycle.yml
- type: Conformance
  url: conformance/switstack-conformance.yml
- type: Packages
  url: packages/switstack-packages.yml
- type: SDKs
  url: packages/switstack-packages.yml
- type: CLI
  url: cli/switstack-cli.yml
- type: Sandbox
  url: sandbox/switstack-sandbox.yml
- type: Plans
  url: plans/switstack-plans-pricing.yml
- type: RateLimits
  url: rate-limits/switstack-rate-limits.yml
- type: LLMsTxt
  url: llms/switstack-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/switstack-domain-security.yml
- type: Examples
  url: examples/switstack-code-samples.yml
- type: Examples
  url: https://docs.switstack.io/switcloud/examples/
- type: Arazzo
  name: Onboard a Switcloud terminal
  url: arazzo/switstack-onboard-a-terminal.yml
- type: Arazzo
  name: Take a Switcloud payment and reconcile it
  url: arazzo/switstack-take-a-payment.yml
- type: Arazzo
  name: Verify and run a Swittest EMV test suite
  url: arazzo/switstack-run-a-test-suite.yml
x-enrichment:
  date: '2026-08-17'
  status: enriched
  artifacts_added: 36
  pass: local-v1

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/switstack"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/switstack/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/switstack/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.