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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.

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Stitch — Spiral
Stitch — Hero

Why is revenue up R 14m?

Day 1 Day 5 Day 10 Day 15

Exco

Ask
Answer

Finance

Sales exports
Reconcile
Build the pack

Data

Pull
Join and clean
Analyse

IT

Extracts

Marketing

Campaigns

Operations

Stores and prices

0 people

pulled in

0 teams

involved

0 days

to one answer

~0 days

of people’s time

Revenue bridge · month to date against last month

Save as artefact +
R 116.7m

Last month

+R 5.8m

Spring Home Sale

+R 5.6m

Existing customers
spending more

+R 2.6m

New customers

R 130.7m

This month

Spring Home Sale

+R 5.8m

20% off bed and bath since the 12th. Bed and bath sales are up 64% on the same week last month.

Did it actually work?

Existing customers spending more

+R 5.6m

The same customers, buying more each time: their average basket is up 9% to R 912, with visits flat.

New customers

+R 2.6m

2 390 first-time customers, two thirds of them online and in the app.

0 person

asks the question

0 tickets

no one else pulled in

0 seconds

to the answer, with the why

Every

follow-up, just as fast

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.

We've leveraged these insights to build a full suite of tools that span reporting, fraud, onboarding and more, now available for enterprise teams. Pulse Analytics, fraud prevention and KYC and KYB onboarding are the first tools available, with more to follow.

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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

Pulse

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 Bank-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
DateCustomerLeverChannelAmount
18 Oct · 20:59CUS-95513NewAppR 1 771
18 Oct · 20:58CUS-62876PromotionAppR 775
18 Oct · 20:58CUS-67027PromotionOnlineR 853
18 Oct · 20:57CUS-32100PromotionWoodlandsR 676
18 Oct · 20:56CUS-69895PromotionAppR 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.

Build your own custom dashboard, export reports and share insights with your team.

Brief

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

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. Bank 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
Revenue × Customer

Payments · Since Saturday

Card conversion on Bank-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% Bank card conversion
Payments × Customer

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
Payments × Risk
Ask

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

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
Watch

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

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
Act

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

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
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. Bank 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
Revenue × Customer

Payments · Since Saturday

Card conversion on Bank-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% Bank card conversion
Payments × Customer

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
Payments × Risk
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

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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

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Who can use Stitch Pulse?
Do I need a data project to get started?
Do I have to use every Pulse product?
Is my data used to train AI models?

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How South Africans shop in 2026

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