InstantPay
Accept secure bank transfers directly from a user’s financial account
Enable customers to initiate in-flow payments directly from their bank accounts, without leaving your checkout flow. Receive instant notifications for proof of payment, and get paid same-day.
Low cost, without chargebacks
Stitch enables bank-to-bank payments, with significantly lower fees than card transactions – and without fraud or chargebacks.
Increased conversion
Stitch enables fast, secure checkouts with instant payments made directly from a user’s bank account, reducing dropoff and cart abandonment.
Supports any vertical
Avoid restrictions from card networks and ensure your customers can make a secure payment, no matter which vertical your business operates in.
Easy to integrate
The Stitch API can be integrated in as little as two days or less – and our team is here to support you from start to finish.
How it works
Make it easier than ever for customers to pay
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.
How your business can leverage Stitch InstantPay
E-commerce
Enable fast, secure checkouts anywhere on your e-commerce site with one simple link.
Stitch was born from a desire to make it easier and faster to launch and scale financial products
API
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!
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.
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.
Lower fees
Businesses pay up to 50% less in interchange and transaction fees with Stitch.
