# Stitch

Stitch is South Africa's enterprise payments infrastructure platform. Stitch powers online payments, in-person payments, payouts, payment orchestration, card acquiring and international payments for businesses of all sizes. Over 6 million South Africans transact through Stitch. The platform is ISO 27001 and PCI DSS Level 1 certified.



## Company

- Website: https://stitch.money
- Consumer app: https://stitch.me
- API Documentation: https://docs.stitch.money
- Blog: https://stitch.money/blog
- Contact: https://stitch.money/contact

## Products

### Online Payments
- URL: https://stitch.money/online-payments
- Enterprise payment gateway built for scale. Accept payments across all local methods through a single integration. Flexible integration options: pre-built checkout (SafeLink), modular UI components, or direct API.

### In-Person Payments
- URL: https://stitch.money/in-person-payments
- Card present and alternative payment methods at POS. Works with any acquiring bank. Terminal management dashboard. Available across South Africa, Zimbabwe, Uganda, Tanzania, Senegal, Mauritius, Kenya, Ghana and Botswana.

### Payouts
- URL: https://stitch.money/payouts
- 24/7, 365 payouts to any South African bank account. Instant or same-day settlement via SDV, RTC or RPP rails. Use cases: refunds, withdrawals, disbursements, payroll.

### Payment Orchestration
- URL: https://stitch.money/orchestration
- Manage multiple payment methods, providers and geographies through one API. Custom routing rules, automatic failover, A/B testing between providers. Pre-built PSP integrations across 19 African markets.

### Card Acquiring
- URL: https://stitch.money/acquiring
- End-to-end card processing via Stitch + Efficacy Payments. Stitch Group is one of the first non-banks in South Africa to become a SARB Designated Clearing System Participant (DCSP). Direct card network connections, built-in fraud prevention, centralised reconciliation.

### International Payments
- URL: https://stitch.money/international-payments
- Settle international invoices in USD and G10 currencies. CrissCross FX (SARB-approved Treasury Outsourcing Company) coordinates FX pricing. T+0 or T+1 settlement. Fully fiat-based.

### Recurring Collections
- URL: https://stitch.money/solutions/recurring-payments
- Every mandated recurring payment method in South Africa, including DebiCheck. Automated fallback logic retries failed payments via alternative methods.

### Unified Commerce
- URL: https://stitch.money/solutions/unified-commerce
- Single platform for online and in-person payments. Standardised reporting, centralised reconciliation, consistent customer journey across channels.

### Embedded Fraud Solution
- URL: https://stitch.money/embedded-fraud-solution
- AI-driven fraud detection and prevention (Stitch Shield). Automated, rule-based decisions. Enterprise clients can create custom rules.

## Payment Methods
- URL: https://stitch.money/payment-methods
- Pay by bank: https://stitch.money/payment-methods/pay-by-bank
- Card (Visa/Mastercard): https://stitch.money/payment-methods/card
- Apple Pay: https://stitch.money/payment-methods/apple-pay
- Google Pay: https://stitch.money/payment-methods/google-pay
- Samsung Pay: https://stitch.money/payment-methods/samsung-pay
- Capitec Pay: https://stitch.money/payment-methods/capitec-pay
- Capitec Pay VRP: https://stitch.money/payment-methods/capitec-pay-vrp
- PayShap Request: https://stitch.money/payment-methods/payshap-request
- DebiCheck: https://stitch.money/payment-methods/debicheck
- Buy Now Pay Later: https://stitch.money/payment-methods/buy-now-pay-later
- Pay with Crypto: https://stitch.money/payment-methods/pay-with-crypto
- Absa Pay: https://stitch.money/payment-methods/absa-pay
- Nedbank Direct EFT: https://stitch.money/payment-methods/nedbank-direct-eft