Manual EFT

Process manual EFT payments over API

Give customers more ways to pay. Accept Manual EFTs or electronic bank transfers made via customers’ banking apps, over API.


Why Manual EFT?

Payments can be initiated anytime, including weekends and public holidays.


    About Stitch

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.


“I had 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


“Amazing work by the Bash and Stitch teams to simplify our payment flows for TFG Account customers. It's super slick.”

Jessica Rohman


“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



Easily add Manual EFT

Get up and running with Manual EFT on your existing integration, in hours. Our API, built on GraphQL, makes it easy to add additional methods and deploy quickly. Our client solutions team will work with you to co-create solutions to meet your needs.

We created hosted pages with optimised payments flows so you don’t have to build the UI from scratch.


Iron-clad data privacy and security you can rely on

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

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.


What is a manual EFT?

A manual EFT (Electronic Funds Transfer), also known as manual transfer or Direct Deposit, is a payment made from a customer’s online banking portal or app to a business bank account. This is different from a regular Pay by bank payment in that the customer must leave the app or site they’re looking to pay and open ytheirour banking app or portal to make a payment.

How long do manual EFTs take to clear?

Typically, manual EFTs take 1-3 days to clear. However, merchants receive notifications as soon as a transfer has been initiated.

How can customers pay with Manual EFT?

To complete a manual transfer, customers choose Manual EFT as a payment method at checkout. They’ll be shown instructions indicating the account details to pay into, the amount, and a unique reference. They will need to log into their online banking portal and follow the instructions on the screen to complete the transfer and include the unique reference.

How long does a bank transfer take to settle?

Businesses will be notified once a Manual EFT has been initiated, but settlement can take 2-3 days.

Is bank transfer the same as manual EFT?

A Manual EFT or Electronic Funds Transfer is a payment made from a customer’s banking app or portal. The customer must log into their banking portal and manually enter destination account and reference details to initiate the transfer.

What is the fastest way to make a bank transfer?

The fastest and most secure way to make a bank to bank payment is via Pay by bank.

Increase adoption, improve conversion and optimise finance operations

Learn how you can start building a winning payments experience with Stitch

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