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High-performance payments.
Engineered with precision.

Improve conversion, reduce drop-off and streamline digital and online payments operations through a single API, so you can move money better and scale faster.

One integration to power all your online payments

A single, powerful, reliable API built on direct integrations with multiple banks and networks across South Africa, meticulously crafted to help businesses move money better, and reach their goals faster.

Accept pay-ins by bank, card, manual EFT, debit orders, and even cash. Seamlessly orchestrate, manage and reconcile payments across methods, providers and geographies with PayOS, and send money anywhere it needs to go with Payouts.

With Stitch on your team, you can streamline digital payments, reduce reconciliation burden, minimise fraud and offer a better payments experience so you can focus on what matters most: delighting your customers.

Use Cases

Solutions designed for scale

Stitch solutions are designed for businesses with complex payment operations; multinational organisations, e-commerce retailers, fintech wallets, subscription services, travel, gaming, insurance, lending, asset management and more.


E-commerce checkout

Accept fast, secure payments directly from users’ bank accounts. Increase conversion with a friction-free payments experience, and enable seamless refunds.


Friction-free wallet top-ups

Allow returning users to make seamless payments using pre-filled card or bank account details. Enable seamless withdrawals to the same account.


Recurring collections

Accept headless, variable recurring payments from a linked and verified bank account, and get paid more easily. 


Omnichannel payments

Easily and securely accept payments across channels using stored account details – including your website, checkout, payment gateway, to payment links, QR codes and more.


Automated disbursements

Automate payouts to vendors, suppliers, employees and more – seamlessly over API. Save on costs and reduce admin burden.


Manual EFTs

Easily reconcile manual EFT payments sent from a customer’s banking app, alongside other methods.

Some of the businesses building better with Stitch

  • Why Stitch?

Think of us as an extension of your team

We work closely with client teams – from technical support, to custom-crafted solutions, to UI/UX and marketing advisory, and ongoing customer success – to make sure the Stitch API performs for your business.


Precision engineering

We have a relentless obsession with solving new, complex problems. We build with painstaking attention to detail, to continually improve on conversion, experience and reliability for our clients and their users


Client-led ethos

We offer deep support, working closely with client teams to co-develop bespoke and customised solutions that meet their unique needs – from product architecture to design and marketing support


Deep infrastructure

We leverage deep connections across the entire payments stack to provide seamless access to financial systems, resulting in higher reliability and better performance

SiphoTshabalala MTN@2x.png

I had a great sense of comfort when working with the Stitch team knowing they fully support our vision and our obsession with checkout experiences in our different channels.”

Sipho Tshabalala, Product Manager Online Platforms

Jacob Cook Busbud@2x.png

It’s great to work with companies like Stitch who deeply understand the local markets we’re working with, and are able to offer advice to help us have the biggest impact.”

Jacob Cook, Engineering Lead

Stitch Pay by bank in a checkout screen, with QR code or payment link
Checkout with card
Checkout payment options with cash selected
Dashboard components
  • Bank Transfer
  • Card
  • Cash
  • Payouts
  • PayOS

Increase conversion and save on fees with secure bank payments

Offer your customers more choice – from friction-free deposits directly from their bank accounts, to seamless manual transfers, to recurring Debit Order and DebiCheck payments.

Access it all with a single API and reconcile it in one place. Improve drop-off rates and increase conversion, while reducing fraud and eliminating chargebacks.

Accept online card payments with peak reliability

Accept and reconcile debit and credit card payments online using Stitch Card, alongside other payment methods including Instant EFT, Direct Deposit, Cash and Debit Order, on your website or in app through a single integration.

Stitch is integrated directly with multiple acquiring banks and card networks and allows you to own your own network tokens.

Turn cash into digital payments at ATMs or point of sale

More than half of South Africans still prefer to make cash payments. Increase revenue by unlocking an expanded user base.

Receive confirmation as soon as cash payments are settled via a unique barcode presented at till or reference entered at an ATM and automatically attribute payments to a user’s account or release products or services.

Enable seamless refunds and withdrawals, and automate disbursements over API

Easily send a refund to the same account used to pay in, and enable seamless withdrawals to a linked and verified account. Send payouts across a list of account numbers (e.g. vendor payments) over API.

You can also transfer funds to Stitch to provide float, which we’ll monitor and track against payouts at no extra cost.

Process and manage manual EFT payments over API

With PayOS, you can initiate, route, reconcile and manage multiple payment types and extract data across payment methods, platforms, payment service providers and geographies – with a single integration.

And we’ll never ask you to leave existing contracts and relationships at the door. We offer dozens of pre-built PSP integrations and customisable hosted payments flows so you can configure the workflow rules that make sense for your business.

  • Security & Privacy

Iron-clad data privacy and security you can rely on

Encryption, confidentiality & consent

Sensitive information is securely encrypted and stored inside Microsoft Azure Keyvault, and payments must be authorised by the owner of the account.


Stitch is a PCI DSS Level 1 Certified payment service provider.

  • Developers

Build a delightful payments experience without the heavy lifting

API The Stitch API is built on GraphQL for faster and simpler queries, and to integrate seamlessly with your front end. See how easy it is

Front-end integration We provide hosted pages so you don’t have to build the UI for user-authentication from scratch.


Start moving money better and scale faster

We work closely with client teams – from technical support, to custom-crafted solutions, to UI/UX and marketing advisory, and ongoing customer success – to make sure the Stitch API performs for your business.

Contact sales

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