Payments service provider for enterprise businesses in South Africa

Easily and securely collect, manage and send payments across multiple methods.

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Secure, customisable payments service provider

Stitch is an end-to-end payments service provider offering solutions designed to help enterprise businesses in South Africa offer a seamless and secure payments experience for their users, while reducing the cost of payments operations.

We offer highly customisable and flexible payments solutions and a high level of customer support. With Stitch, you can easily manage payments across multiple methods, providers and geographies, with one integration.

Use Cases

Solutions designed for scale

Stitch solutions are designed for businesses with complex payment operations; multinational organisations, e-commerce retailers, fintech wallets, subscription services, travel, gaming, insurance, lending, asset management and more.


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

Accept Instant EFT, card, cash and debit payments with one integration

Stitch makes it easy for businesses in South Africa to collect payments and offer an optimised payments experience for customers. With Stitch, businesses can accept payments via Instant EFT, direct deposit, debit and credit cards, debit order, DebiCheck and cash, so they can offer customers the payment options best suited to their needs.

As a payments service provider, we offer a single API integration that allows businesses to accept, manage, reconcile and send payments in one place. Streamline payments processing and increase conversion, without the need to manage multiple payment providers separately or invest in complex, custom technical integrations.

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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?

Deep customer and technical support

With a client-first ethos, Stitch is committed to providing clients in South Africa with the best possible payments solutions. As a payments service provider, we offer the most innovative money movement solutions for businesses at scale.


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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