Financial Data

Get real-time access to identity, account, transaction and balance data

Verify and onboard customers in minutes. Track spending patterns and customer behaviour across all bank accounts.

Verification Badge

Seamless authentication & onboarding

Onboard customers digitally in two minutes or less, reducing dropoff rates by up to 20-30%. Eliminate fraud and hours of manually processing bank statements by accessing identity information directly.

Real-time view of transaction history

Build a comprehensive view of users’ financial data from across their accounts, to quickly qualify new users and offer personalised products. View historical and pending transactions, balances, debit orders and more.

Combine with Stitch payment products for better, smarter payments

Combine with LinkPay to enable verified payments by checking identity information against the payer via their linked account. Or, use balance-checking prior to payment initiation to ensure against failed collections.

How it works

Direct, instant access to comprehensive customer account details and transaction and balance data

Customer meets Stitch

We aim to make the relationship between your customers, your brand and Stitch clear and transparent.

The first time customers log in with Stitch, they are introduced to Stitch and shown our privacy and data security policies.

Customer selects & authenticates financial institution​

The user selects an institution and logs in with their security credentials.

In keeping with our principle of progressive disclosure, we take this opprtunity to reassure the user that their credentials are securely encrypted and that they will never be made accessible to anyone.

Customer selects account & confirms payment​

Once logged in, the customer selects the account to wish pay from and confirms the payment.

Customer can check out in the future with just one click​

When the customer returns to pay with Stitch again, they can simply confirm that they wish to pay with their previously linked account – enabling payment with a single click.

The user is introduced to Stitch, keeping the relationship between them, you and Stitch clear and transparent.

They are reassured that they’re in control and that their personal and financial data are secured.

The user selects an institution and logs in with their security credentials.

In keeping with our principle of progressive disclosure, we take this opportunity to reassure the user that their credentials are securely encrypted and that they will never be made accessible to anyone.

Once logged in, the customer selects the account to wish pay from and confirms the payment.

When the customer returns to pay with Stitch again, they can simply confirm that they wish to pay with their previously linked account – enabling payment with a single click.

Security and Privacy

We take data security and privacy extremely seriously

Encryption

We securely encrypt all data shared by users. Sensitive information is stored using RSA-OAEP 2048 and stored inside Microsoft Azure Keyvault.

Confidentiality & Consent

Stitch never shares users’ credentials with anyone. All payments and data sharing must be authorised by users.

Stitch was born from a desire to make it easier and faster to launch and scale financial products

API

Get exactly what you want, when you need it. 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. Choose from an embedded or redirect option and theme to match your brand. Mobile SDKs launching soon!

Start building with Stitch for free and scale your financial solutions, faster

Stitch offers a single API that takes enables businesses to link and verify user financial accounts for easy access to financial data, and seamless and secure payments and payouts.

Contact sales