NEWStitch is now an end-to-end PSPLearn more

High-performance payments.
Engineered with precision.

Improve conversion, reduce drop-off and streamline payments operations through a single API, so you can move money better and scale faster.

One integration to power all your online payments

A single, powerful, reliable API built on direct integrations with multiple banks and networks across South Africa, meticulously crafted to help businesses move money better, and reach their goals faster.

Accept pay-ins via Instant EFT with InstantPay and LinkPay, Card, Direct Deposit, Debit Orders, and even Cash. Seamlessly orchestrate, manage and reconcile payments across methods, providers and geographies with PayOS, and send money anywhere it needs to go with Payouts.

With Stitch on your team, you can streamline digital payments, reduce reconciliation burden, minimise fraud and offer a better payments experience so you can focus on what matters most: delighting your customers.

Use Cases

Solutions designed for scale


E-commerce checkout

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

Some of the businesses building better with Stitch

  • Why Stitch?

Think of us as an extension of your team

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.


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

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I had a great sense of comfort when working with the Stitch team knowing they fully support of our vision and our obsession with checkout experiences in our different channels.”

Sipho Tshabalala, Product Manager Online Platforms

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Our integration with Stitch is critical to making access to digital assets effortless for all South Africans. We have learned and are still learning a lot through our collaboration with Stitch.”

Davina Bemako, Product Lead

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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

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.

  • Security & Privacy

Iron-clad data privacy and security you can rely on

Encryption, confidentiality & consent

Sensitive information is securely encrypted and stored inside Microsoft Azure Keyvault, and payments must be authorised by the owner of the account.


Stitch is a PCI DSS Level 2 compliant payment service provider.

  • Developers

Build a delightful payments experience without the heavy lifting

API 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.


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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