Introduction

Fews words about moka...

EMV debit and credit card processing is a series of services that facilitates businesses in accepting card present transactions. It involves several parties including the cardholder, the merchant, acquirer and issuing banks, and payment networks.The cornerstone of such system is known as the EMV Level 2, and corresponds to a set of global specifications developed and maintained by EMVCo. These specifications are released under the form of a set of books that cover contact (CT) and contactless (CL) acceptance (see http://www.emvco.org).

The switstack project is an answer to these specifications. It has emerged from a series of observations:

1. EMV is long and costly to develop and maintain.
2. There is no leverage of differentiation in developing an EMV Level 2 stack on its own.
3. With the worldwide acceleration of EMV acceptance, the demand of EMV Level 2 will grow.

This documentation presents moka's requirements and architecture. It is the reference guide to develop, maintain, and integrate moka. Howver, all functional aspects can befound in the corresponding EMVCo books.

Beside of this initiative, switstack is also promoting the importance of a Level 2 abstraction layer. EMV specifications don't define any API. As a result, payment applications (a.k.a EMV Level 3) that are developed on top of proprietary Level 2 are tighly coupled with hardware sdks. The last section of this guide proposes GLASE that can be used on top of moka (and any other EMV Level 2).