Localize payments in South Africa with the Stitch payment gateway for global enterprise businesses

For global businesses launching in South Africa, Stitch offers a custom, localised payment gateway solution and tailored market insights.

Reduce cross-border transactions

Stitch offers a local account for international businesses to enable seamless local pay-ins and payouts, significantly reducing international transfer or SWIFT fees, time to payment and admin burden. Our payment gateway is designed to help enterprise businesses simplify and manage payments across markets, methods and providers.

Use Cases

Designed for the South African market

Global businesses can leverage the Stitch payment gateway to start building a loyal customer base and earning trust in-market. Consumers expect familiar currency options, local payment methods and a seamless experience.


E-commerce checkout

Accept fast, secure payments via Instant EFT. Increase conversion with a friction-free payments experience, and enable seamless refunds.


One-click wallet top-ups

Allow returning customers to link a bank account and make secure deposits in just one click. Enable seamless withdrawals to the same linked account.


Recurring collections

Accept headless, variable recurring payments from a linked and verified bank account, and get paid more easily. 


Omnichannel payments

Easily and securely accept Instant EFT payments across platforms - from your website checkout, to payment gateways, to payment links, QR codes and more.


Automated disbursements

Automate payouts to vendors, suppliers, employees and more – seamlessly over API. Save on costs and reduce admin burden.


Direct deposits

Easily reconcile manual EFT payments sent from a customer’s banking app, alongside other methods.

Some of the businesses building better with Stitch

  • Multi-method provider

Simplify local payouts

The Stitch account and Payouts solution reduces the burden of moving money across borders. All local transactions can be easily disbursed in local currency. As part of our local payment gateway, PayOS enables easy, consolidated money management and tracking in one place, across methods, providers and geographies.

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Stitch Instant EFT in a checkout screen, with QR code or payment link
Checkout with card
Checkout payment options with cash selected
Dashboard components
  • Bank Transfer
  • Card
  • Cash
  • Payouts
  • PayOS

Increase conversion and save on fees with secure payments via bank transfer

Offer your customers more choice – from one-click Instant EFT deposits for returning users, to seamless manual transfers, and recurring Debit Order and DebiCheck payments.

Access it all with a single API and reconcile it in one place. Improve drop-off rates and increase conversion, while reducing fraud and eliminating chargebacks.

Accept online card payments with peak reliability

Accept and reconcile debit and credit card payments online using Stitch Card, alongside other payment methods including Instant EFT, Direct Deposit, Cash and Debit Order, on your website or in app through a single integration.

Stitch is integrated directly with multiple acquiring banks and card networks and allows you to own your own network tokens.

Turn cash into digital payments at ATMs or point of sale

More than half of South Africans still prefer to make cash payments. Increase revenue by unlocking an expanded user base.

Receive confirmation as soon as cash payments are settled via a unique barcode presented at till or reference entered at an ATM and automatically attribute payments to a user’s account or release products or services.

Enable seamless refunds and withdrawals, and automate disbursements over API

Easily send a refund to the same account used to pay in, and enable seamless withdrawals to a linked and verified account. Send payouts across a list of account numbers (e.g. vendor payments) over API.

You can also transfer funds to Stitch to provide float, which we’ll monitor and track against payouts at no extra cost.

Process and manage manual EFT payments over API

With PayOS, you can initiate, route, reconcile and manage multiple payment types and extract data across payment methods, platforms, payment service providers and geographies – with a single integration.

And we’ll never ask you to leave existing contracts and relationships at the door. We offer dozens of pre-built PSP integrations and customisable hosted payments flows so you can configure the workflow rules that make sense for your business.

  • Why Stitch?

Flexibility and customisation

The Stitch payment gateway is designed to be customised for the specific needs of enterprise businesses. We work with clients to craft custom solutions, and to continually optimise performance, increase adoption and solve more online payments needs.


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

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I had a 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, Product Manager Online Platforms

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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, Engineering Lead

  • Security & Privacy

Secure and customisable solutions

At Stitch, we take security seriously. We’re PCI compliant and leverage 3D secure for card payments. Our payments solutions are designed to help businesses in South Africa securely conduct transactions online.

Our solutions include a range of customisable payment options, so you can offer your customers the payment methods they prefer, while also ensuring the security of their data. With Stitch, you can also easily manage and track transactions, giving you greater control over your payment processing.

Start moving money better and scale faster

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.

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