Financial Data
Get real-time access to identity, account, transaction and balance data
Verify and onboard customers in minutes. Track spending patterns and customer behaviour across all bank accounts.
Seamless authentication & onboarding
Onboard customers digitally in two minutes or less, reducing dropoff rates by up to 20-30%. Eliminate fraud and hours of manually processing bank statements by accessing identity information directly.
Real-time view of transaction history
Build a comprehensive view of users’ financial data from across their accounts, to quickly qualify new users and offer personalised products. View historical and pending transactions, balances, debit orders and more.
Combine with Stitch payment products for better, smarter payments
Combine with LinkPay to enable verified payments by checking identity information against the payer via their linked account. Or, use balance-checking prior to payment initiation to ensure against failed collections.
How it works
Direct, instant access to comprehensive customer account details and transaction and balance data
Customer meets Stitch
We aim to make the relationship between your customers, your brand and Stitch clear and transparent.
The first time customers log in with Stitch, they are introduced to Stitch and shown our privacy and data security policies.
Customer selects & authenticates financial institution
The user selects an institution and logs in with their security credentials.
In keeping with our principle of progressive disclosure, we take this opprtunity to reassure the user that their credentials are securely encrypted and that they will never be made accessible to anyone.
Customer selects account & confirms payment
Once logged in, the customer selects the account to wish pay from and confirms the payment.
Customer can check out in the future with just one click
When the customer returns to pay with Stitch again, they can simply confirm that they wish to pay with their previously linked account – enabling payment with a single click.
The user selects an institution and logs in with their security credentials.
In keeping with our principle of progressive disclosure, we take this opportunity to reassure the user that their credentials are securely encrypted and that they will never be made accessible to anyone.
Once logged in, the customer selects the account to wish pay from and confirms the payment.
When the customer returns to pay with Stitch again, they can simply confirm that they wish to pay with their previously linked account – enabling payment with a single click.
We take data security and privacy extremely seriously
Encryption
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.
Stitch was born from a desire to make it easier and faster to launch and scale financial products
API
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!
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.
Lower fees
Businesses pay up to 50% less in interchange and transaction fees with Stitch.
