Capitec Pay
Accept fast, secure, card-free payments from Capitec customers by offering Capitec Pay as a payment method. Customers verify payment through the Capitec online banking app.

Accept digital payments with Capitec Pay
Capitec is one of the largest banks in South Africa, with over 21 million customers. Capitec Pay allows Capitec users to make a cashless digital payment directly from their Capitec online banking app, using a pre-registered ID.
Returning users can leverage Capitec’s verified flow for a more seamless returning payments experience.
Seamless customer experience
Reduce steps to payment and offer a more friction-free experience for your customers. Integrate Capitec Pay as a standalone digital payment method to enable customers to make a Capitec online payment even faster.
Improved security
We work directly with Capitec to maintain enhanced security, safety and anti-fraud protocols, including two-factor authentication, meaning your customers’ funds and data are protected whenever they make a Capitec payment.
High reliability
Stitch has direct network integrations and a relationship with Capitec Pay, resulting in higher reliability. Our robust notification and delivery system has multiple failovers, so you'll always be updated if something goes wrong.
Custom error screens
Stitch will guide customers on their digital payment journey if an error occurs so they know why a Capitec Pay transaction failed and are guided toward next steps.
How it works
Customers can pay with Capitec Pay via Stitch and authenticate payment in their Capitec banking app.




ISO 27001 + PCI DSS Level 1 certified
We practice stringent data management and protection through the use of encryption and regularly monitor these systems through internal tests.
Our data protection and information security policies move through constant iteration in order to ensure that we proactively mitigate any potential threats to Stitch’s payment and client data.
FAQs
Capitec launched Capitec Pay in early 2023. With Capitec Pay, customers can make an immediate payment through their Capitec banking app, once they’ve registered a Capitec ID. With Stitch, businesses can offer Capitec Pay as a payment method anywhere customers check out.
Capitec Pay is offered to Capitec customers in South Africa.
No – any customer that is a registered Capitec user can sign up for a Capitec ID using their mobile number and begin making card-free payments with Capitec Pay.
Open Banking is a general term that enables access to certain bank data and payments capabilities. Capitec Pay is an open banking API that enables Capitec customers to make secure payments on third party sites directly from their Capitec bank account.
Capitec Pay is a payment method that enables card free payments. To make a payment, customers just need their registered Capitec Pay mobile ID.
Get Capitec Pay for your business.
Learn how you can start building a winning payments experience with Stitch.