Stitch Pulse

AI-driven software for South African enterprises

Stitch Pulse is a suite of AI-driven software products built for enterprise businesses. Pulse agents support teams in every department, flag problems, answer questions and take action, with purpose-built tools for each function. No new integration required.

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What is Stitch Pulse?

Stitch processes payments for some of South Africa’s largest retailers, insurers, telecoms operators and financial services businesses, online and in store. That's given us context on the needs of every team across a business: finance, risk, onboarding, operations, support, sales, marketing and more.

To run those functions for ourselves, we built our own tools across reporting, fraud, onboarding and more, so we didn’t depend on third parties. Pulse makes those tools available to enterprise Stitch clients, starting with Pulse Analytics, fraud prevention and KYC and KYB onboarding.

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The Pulse suite

Each Pulse product is built for one job your teams do every day. They share the same data, and they're all built on the same secure platform.

Pulse Fraud Command Centre

Detect and prevent fraud, find anomalies among millions of data points

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Pulse — Network

Pulse Onboarding

Verify and onboard businesses and customers faster, with optimized KYC/B tools

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Stitch — Onboarding

Verify your business

About 5 minutes. Your progress saves as you go.

Your identityID and selfie verified

Business detailsMatched with CIPC

Bank accountVerify the payout account

DocumentsBank statement

Continue

Secured by

Onboarding

KYB application review

Lumo Home & Living

Private company Ready for review

Registration2019/482113/07

Directors2 verified

IndustryRetail goods

Monthly volumeR 250 000

Checks 0 of 9 passed · 1 to review

PassedID verified with Home AffairsThandi Mokoena · record foundIdentity
PassedLiveness and face matchSelfie matches ID photo · 97% confidenceBiometric
PassedCIPC company registration2019/482113/07 · In businessRegistry
PassedDirectors match CIPC recordAll directors verifiedRegistry
PassedBank account verificationAccount holder matches business nameBank
PassedBank statementCovers the last 3 monthsDocument
PassedSanctions screeningNo matches foundScreening
To reviewPEP screening1 possible match · 62% confidenceScreening
PassedAdverse mediaNo relevant articlesScreening

Pulse Billing

Coming soon

Pulse Communications Hub

Coming soon

Pulse Analytics

Know what moved in your business, why it moved and what to do about it

Explore Pulse Analytics

Pulse — Analytics

Daily report

Good morning, Lerato.

Month to date you’re R 14m ahead of last month, up 12%. Most of it came in the last week.

Revenue · month to date

Revenue is up 12% month to date: R 14m ahead of last month

R 130.7m ▲ 12%

Revenue × customer

Payments · since Saturday

Card conversion on Capitec-issued cards is down 2 points

72% ▼ 2 pts

R 0.94mSales lost

1 540Couldn’t pay

74% → 72%Conversion

Why is revenue up?

Revenue is R 14m ahead of last month. Three things drove it.

R 130.7m against R 116.7m for the same 18 days of September.

Spring Home Sale+R 5.8m

Existing customers spending more+R 5.6m

New customers+R 2.6m

Did the sale actually work?

Only R 2.4m was genuine extra sales, for R 6.2m of discount.

212 cards created 1 180 “new” accounts The same cards opened account after account to reuse the first-order discount.

Worked for 3s · 3 steps · 4 sources

Save this as an artefact

Saved. Why revenue is up R 14m is in your Artefacts.

The bridge, the three levers and the sale breakdown are kept together.

Why revenue is up R 14m Analysis · Revenue bridge · Three levers · Spring Home Sale breakdown

Open Artefacts

Worked for 1s · 1 step

Pull the transaction list for all the customers in these three groups

14 090 transactions from 10 470 customers, month to date.

Each lever’s total matches the bridge. Customers show as IDs only.

PromotionR 5.8m4 210 customers

Spent moreR 5.6m3 870 customers

NewR 2.6m2 390 customers

TotalR 14m10 470 customers

Date	Customer	Lever	Channel	Amount
18 Oct · 20:59	CUS-95513	New	App	R 1 771
18 Oct · 20:58	CUS-62876	Promotion	App	R 775
18 Oct · 20:58	CUS-67027	Promotion	Online	R 853
18 Oct · 20:57	CUS-32100	Promotion	Woodlands	R 676
18 Oct · 20:56	CUS-69895	Promotion	App	R 1 696

Worked for 3s · 3 steps · 4 sources

Ask Pulse

Pulse Analytics

Pulse Analytics turns your payments data into instant insights. Pulse comes with an AI agent that briefs each team on what changed in the business, explains why, answers questions in plain language and takes permitted actions, using the transaction data Stitch already processes for them.

Brief

A morning summary for every role, with the biggest rand impact first.

Ask

Questions in plain language, answered in seconds with the data behind them.

Watch

Alerts set up in a single sentence, sent to the right person with the cause attached.

Act

Refunds, payouts and other actions initiated from the same screen, within each user’s permissions.

Pulse — Daily report (light)

Good morning, Lerato.

Month to date you’re R 14m ahead of last month, up 12%.
Most of it came in the last week. Capitec cards also had a bad Saturday online.

Here’s your daily report

Revenue · Month to date

Revenue is up 12% month to date: R 14m ahead of last month

R 0.0m 0%

Against R 116.7m for the same 18 days of September. Flat for 11 days, then steep since the Spring Home Sale started on the 12th.

1 Oct

This month Last month

18 Oct

Payments · Since Saturday

Card conversion on Capitec-issued cards is down 2 points since Saturday

0% 0 pts

1 540 customers couldn’t pay by card online on Saturday afternoon. R 0.94m in sales didn’t come back.

Sat 00:00 Dip 14:10–23:10 Now

R 0.00m Sales lost

0 Customers couldn’t pay

74% → 72% Capitec card conversion

Disputes · Month to date

Chargebacks are at 0.81%, from 0.42% last month

0.00% +0.00 pts

598 chargebacks against 312, on about the same number of card payments.

1 Oct

This month Last month

18 Oct

Pulse — Ask

How are chargebacks compared to last month?

Chargebacks are up from 0.42% to 0.81%: 598 this month against 312.

Chargebacks by day · this month against last

0.81% Chargeback rate this month

0.42% Same days last month

+286 More chargebacks

Last month This month

1 Oct 6 Oct 12 Oct 18 Oct

Who’s driving it?

23 customers account for 61% of the increase.

Chargebacks per customer · this month

23 customers · 186 chargebacks · 61% of the increase

Most chargebacks …and 412 customers with one each

Ask Pulse

Pulse — Watch

Monitor my chargeback rate and alert me if it goes above 0.75%. Also flag any customer with more than 2 chargebacks in a month

Here’s what I understood: two rules. Nothing is saved until you confirm.

Here’s what I’ll watch

Edit anything before you confirm

1 Chargeback rate

Measure All channels Over Rolling 30 days Alert above 0.75 %

2 Customers with repeat chargebacks

Flag customers with 3 or more chargebacks In a Calendar month

You said more than 2, so 3 or more.

Pulse checks every 5 minutes. Nothing is saved until you confirm.

Worked for 1s · 1 step · 1 source

Confirm

Both are live. The rate is already above your line at 0.81%, so it shows as an alert.

Watch set

Alert · 0.81% now

Chargeback rate · all channels

Alert when the rolling 30 days rate is above 0.75%.

Chargeback rate · last 30 days Alert above 0.75% 0.81%

19 Sep Today

Added just now

Watch set

4 customers match today

Customers with 3 or more chargebacks in a calendar month

Flag any customer as soon as they cross the line, with their history.

Customers matching · last 30 days Flag at 3+ 4 customers

19 Sep Today

Added just now

Worked for 1s · 1 step · 2 sources

Ask Pulse

Pulse — Act

Refund TXN-8F3K-2291 in full. The customer says they were charged twice.

Refund · Waiting for your confirmation

Refund R 1 249.00 to card •••• 4417

Full refund to the original payment method. Nothing moves until you confirm.

TransactionTXN-8F3K-2291

Paid11 Oct 2026, 14:32 · Card online

Original amountR 1 249.00

Already refundedR 0.00

ReasonDuplicate charge

Refund amountR 1 249.00

Duplicate confirmed. Same card, same basket, charged again 41 seconds later after a checkout retry. The second payment, TXN-8F3K-2290, stays in place.

Within your refund limit. Every step is recorded in the audit trail.

Confirm refund

Refund paid

Proof of refund is ready

R 1 249.00 was paid back to card •••• 4417 on 13 Oct 2026 at 09:14. It should reflect on the customer’s statement in 3 to 5 business days.

Proof-of-refund_RF-7741.pdf

1 page · 84 KB · Generated just now

Refund reference, original transaction, amount, date paid, card network reference.

Refund referenceRF-20261013-7741

Network reference (ARN)74987 6261 0130 9141

Ask Pulse

ISO 27001 + PCI DSS Level 1 certified

Pulse runs inside the same certified environment Stitch uses to process your payments.

Our policies move through constant iteration and undergo rigorous testing in order to ensure that we proactively mitigate any potential threats to Stitch payment and client data.

FAQs

More insight, less admin

Book a 30-minute demo and we’ll show you what Stitch Pulse can do with data like yours.

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AI-driven software for South African enterprises

What is Stitch Pulse?

The Pulse suite

Pulse Fraud Command Centre

Pulse Onboarding

Verify your business

Lumo Home & Living

Pulse Billing

Pulse Communications Hub

Pulse Analytics

Good morning, Lerato.

Revenue is up 12% month to date: R 14m ahead of last month

Card conversion on Capitec-issued cards is down 2 points

Revenue is R 14m ahead of last month. Three things drove it.

Only R 2.4m was genuine extra sales, for R 6.2m of discount.

Saved. Why revenue is up R 14m is in your Artefacts.

14 090 transactions from 10 470 customers, month to date.

Here’s who’ll get it.

Pulse Analytics

Good morning, Lerato.

Revenue is up 12% month to date: R 14m ahead of last month

Card conversion on Capitec-issued cards is down 2 points since Saturday

Chargebacks are at 0.81%, from 0.42% last month

Chargebacks are up from 0.42% to 0.81%: 598 this month against 312.

23 customers account for 61% of the increase.

Chargeback rate · all channels

Customers with 3 or more chargebacks in a calendar month

Refund R 1 249.00 to card •••• 4417

Proof of refund is ready

ISO 27001 + PCI DSS Level 1 certified

FAQs

How South Africans shop in 2026