Stitch Pay Later
Allow customers the flexibility to pay over 2-6 instalments — and watch your conversion rate climb. You get paid in full and settled within 24 hours, while Stitch handles credit risk and repayment collections.
Why Stitch Pay Later?
With Stitch Pay Later, businesses can offer flexible payment options at checkout, letting customers split purchases into 2-6 instalments. You get settled in full within 24 hours. Stitch takes on the credit risk, manages instalment collections, and sends repayment reminders — with full visibility for enterprise businesses.
Boost average order value
Merchants offering Pay Later see higher basket sizes and fewer abandoned carts. When customers aren't required to pay the full amount upfront, more of them complete checkout.
Get paid in full, within 24 hours
You receive the full order value (minus fees) when a customer confirms their Pay Later purchase — no waiting on monthly instalments or chasing repayments.
Offer Pay Later online or in person
Enterprise businesses can offer Stitch Pay Later online, or as an alternative payment method at POS
Flexible for any integration
Enterprise businesses can integrate Stitch Pay Later directly via API alongside their existing payments stack. Stitch Express merchants can enable it in minutes from their dashboard, with no technical lift required.
How it works
Customers can choose to pay over 2-6 monthly instalments, depending on their credit score. They'll need to be approved for a spend limit before completing their first Pay Later purchase. Once approved, future purchases are fast and frictionless.
Stitch manages all subsequent instalment collections from the customer
Built for enterprise scale
Integrate Stitch Pay Later alongside other payment methods through a single checkout integration. Configure Pay Later availability by product category, minimum order value or customer segment — and track all Pay Later transactions in your Stitch dashboard with standardised reporting across all payment methods.
Simple setup for Stitch Express
Already using Stitch Express? Enable Pay Later as a payment method directly from your Stitch Express dashboard, and configure your Pay Later widget on your Shopify or WooCommerce storefront.
ISO 27001 + PCI DSS Level 1 certified
Stitch meets the highest possible global standards of data security and protection.
Our policies move through constant iteration and undergo rigorous testing in order to ensure that we proactively mitigate any potential threats to Stitch’s payment- and client data.
FAQs
Sell more with flexible payments
Improve conversion, reduce costs and give customers more ways to pay with Stitch Pay Later.