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Paying.co

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We build the hard part.

Paying.co is a payment engineering and consulting firm based in Las Vegas, Nevada. With 36 years in the payments industry and 132 EMV Level 3 certifications completed, we help banks, ISOs, fintechs, healthcare organizations, and merchants bring payment products to market faster, with fewer certification surprises.
As payment consultants, we advise on architecture, gateway and processor selection, certification strategy, and compliance, then build and certify what we recommend. Our bilingual (English/Spanish) team works as an extension of your engineering group.
Services:
▸ EMV Level 3 certification
▸ Custom Android payment applications
▸ SoftPOS and MPoC solutions
▸ Unattended and kiosk payments
▸ Healthcare payments and patient financing
▸ PCI compliance and application security
▸ Payment consulting and technical advisory
Our products:
▸ Foundry EMV: certification tooling and workflow for EMV projects
▸ roomwork.co: a collaboration platform for engineering teams
▸ flaw.co: security scanning for code, applications, and QA
▸ puny.io: link shortening and management
▸ unclear.ai: AI-powered effort estimation and project scoping
Whether you are launching a new terminal, certifying a SoftPOS app, building a healthcare payment experience, or hardening your platform for compliance, Paying.co brings deep payments expertise to every engagement.

  • Min project size
    $1,000+
  • Hourly rate
    $50 - $99 / hr
  • Employees
    50 - 249
  • Locations
    Las Vegas, NV
  • Year founded
    Founded 2018

3 Locations

  • Las Vegas , NV
  • Miami , FL
  • Kraków , Poland

Service Lines
Custom Software Development
35%
Mobile App Development
30%
Web Development
15%
E-Commerce Development
10%
Application Testing
5%
Other Application Development
5%

No Focus Areas have been added yet…

Industries

No Industries have been added yet…

Clients
Midmarket ($10M - $1B)
50%
Small Business (<$10M)
30%
Enterprise (>$1B)
20%

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Our Story

Everything starts and ends with payments. That has been our north star since the mid-1990s, at the dawn of modern card-present and card-not-present, and we have grown alongside the industry ever since. As the technology has evolved, so has our team, our toolkit, and the depth of expertise we bring to every engagement. Today, we are proud to have contributed to nearly every facet of payment technology, with hands-on experience spanning the United States, Canada, Europe, Latin America, Caribbean. 

What Sets Us Apart

Relationships with all major processors

Paying.co's deep relationships with every major processor across the US, Canada, EU, and LATAM cut through the red tape that stalls most payment projects. We know who to call, what to ask, and how to move fast, turning months of back-and-forth into weeks of real progress.

Knowledge of payments

131+ EMV Level 3 certifications across the US, Canada, LATAM, Europe, and the Caribbean. Deep unattended expertise productized into MDB Pay Connect, HoneyBee Kiosk, and Pulse Pay Connect. Android, PCI, gateways, and AI tooling under one roof, so clients ship without stitching vendors together.

Real world experience in verticals

Paying.co has a proven track record delivering payment solutions across parking, EV charging, petrol, vending, car washes, kiosks, and beyond. Every vertical brings its own quirks, and we've shipped real, certified deployments in each, so clients benefit from lessons already learned in the field.

Team Breakdown

EMV certification team (15)
AI engineering team (10)
Embedded team (5)
Mobility team (20) +1 Teams

Tools and Technology

Google Meet
Gusto
Clockify
Google Sheets
Google Docs
Google Slides
Google Chat
GitHub
Bitbucket
AWS
Google Cloud Platform
Google Workspace

Commonly Asked Questions

◆ EMV L3 Certification — 130+ certifications completed across major processors including Global Payments, TSYS, Fiserv, Worldpay, Heartland, Elavon, and Chase Paymentech, plus managed certification programs for partners who want the work handled end-to-end. ◆ Unattended Payment Systems — Turnkey solutions for parking, EV charging, petroleum, vending, and car washes, including the Honeybee Kiosk platform with iPad and Android tablet profiles managed through Hive and powered by Swarm AI. ◆ Custom Software Development — In-house scoping, design, and engineering across C, Android, iOS, web, embedded, and cloud, including Android payment app development and white label gateways branded as the partner's own. ◆ Point of Sale Systems — Order, pay-at-table, and handheld terminal products for hospitality and attended retail, with deep platform expertise across PAX, Ingenico, Clover, and ID TECH. ◆ SoftPOS & Embedded Payments — Tap-to-pay on commercial off-the-shelf devices, plus embedded payment integrations and pay-by-QR-code or text flows for modern checkout experiences. ◆ Security & PCI Compliance — P2PE, PCI DSS, and PCI MPoC readiness, gap assessments, remediation, attestation support, penetration testing, and pre-audit validation with all major PCI-certified assessors. ◆ AI Development — Production-grade agents and tooling through the Rhumba.ai suite, custom LLM integrations, AI log file monitoring, and intelligent automation pipelines built for payment environments. ◆ Proprietary Products — MDB Pay Connect for Multi-Drop Bus device integration, Pulse Pay Connect for modernizing legacy pulse-based machines with cashless and mobile payments, and Puny.io for security-first link management with password protection, auto-expiring URLs, and branded QR codes. ◆ Age Verification & mDL Integration — Compliant identity verification for restricted-product vending, kiosks, and unattended retail.

Every engagement starts with a conversation. We listen first, learn your stack and objectives, and translate that understanding into a comprehensive Statement of Work and plan of action. No guesswork, no surprises, just a clear path to outcomes that ship.

We meet clients where they are. Google Meet, Microsoft Teams, and other major video platforms for live sessions, plus Pumble for ongoing messaging and quick check-ins. Frictionless communication, so the work keeps moving.

We run agile. Every engagement is managed through Plaky, our internal project platform, with clear tasks, milestones, and timelines visible to everyone involved. From single-task quick wins to multi-stage, multi-release programs, our team scales the process to fit the project, not the other way around

Turnaround depends on scope, deliverables, and outside factors like processor queues. We have shipped projects in as little as two weeks when the stars align, and on every engagement, your success with the deliverables drives how we plan, staff, and communicate.

Locations (3)

1500 East Tropicana Avenue Las Vegas, NV, United States 89119

50 - 75

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