Enable withdrawals, issue refunds and disburse funds over API

Initiate payouts over API to any account, with instant or same-day settlements. Avoid bounced payouts with our float management and ensure zero fraud using our data and account linking capabilities.

Better UX

Real-time initiation over API

Eliminate burdensome processes and initiate all your payouts over one API on a per-transaction basis or in bulk, for faster and more responsive payments operations.

Arrows in circular motion

Float management

Transfer funds to Stitch to provide float, which we’ll monitor and track against payouts. We’ll notify you and queue payments when the balance is low so you don’t need to repeat payouts.


Zero fraud guaranteed

Stitch guarantees payouts are settled into verified accounts on your behalf, mitigating failed payouts.

Better UX

Instant or same-day settlements

Businesses can choose between same-day (T+1) settlement or instant settlement.



Enable withdrawals to customers’ linked accounts

If a customer wishes to withdraw funds, we can pre-populate an account previously linked and verified with LinkPay as a payment destination.

Customers can also choose to link a new account, which we can verify before making the payment.


Process refunds to the same verified account that was used to make the pay-in



Pay vendors, suppliers, employees and more

We can enable businesses to pay out to accounts that are not linked with Stitch, for things like paying vendors or running payroll. We’ll verify the account prior to sending the payment – without requiring input from the account owner.

How your business can leverage Stitch Payouts

Stitch was born from a desire to make it easier and faster to launch and scale financial products


Get exactly what you want, when you need it. The Stitch API is built on GraphQL for faster and simpler queries, and to integrate seamlessly with your front end. See how easy it is.

Front-end integration

We provide hosted pages so you don’t have to build the UI for user-authentication from scratch. Choose from an embedded or redirect option and theme to match your brand. Mobile SDKs launching soon!

Security and Privacy

We take data security and privacy extremely seriously


We securely encrypt all data shared by users. Sensitive information is stored using RSA-OAEP 2048 and stored inside Microsoft Azure Keyvault.

Confidentiality & Consent

Stitch never shares users’ credentials with anyone. All payments and data sharing must be authorised by users.

Start building with Stitch for free and scale your financial solutions, faster

Stitch offers a single API that takes enables businesses to link and verify user financial accounts for easy access to financial data, and seamless and secure payments and payouts.

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