Accept Stitch
without building the integration
Stitch is a South African payments platform built around direct bank APIs. A single Stitch integration reaches cards, manual and direct EFT, the bank-native rails such as Capitec Pay, Absa Pay and Nedbank Direct, plus the mobile wallets and buy-now-pay-later options South African shoppers expect — without the merchant negotiating a separate integration with each bank.
- ZAR
- Region
- South Africa
- Methods
- 6
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is Stitch?
- Coverage
-
- South Africa
Among the markets Stitch serves — their own list is authoritative (opens in new tab).
- Currencies
-
- ZAR
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by Stitch, who publish current rates on their own site (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab)
Written against Stitch's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Stitch's own documentation (opens in new tab) is the authority.
Stitch payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
Cards
Visa and Mastercard credit and debit cards
Bank APIs
Capitec Pay, Absa Pay and Nedbank Direct EFT
Manual EFT
Reference-matched bank transfer for customers who prefer it
Mobile wallets
Apple Pay, Google Pay and Samsung Pay
DebiCheck
Authenticated recurring debit orders
Buy now, pay later
Deferred-payment options at checkout
Stitch fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your Stitch transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What Stitch charges
- Stitch sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from Stitch changes what you pay Stitch and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. It also accepts 6 different payment methods, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- Stitch publishes current rates on their own site (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with Stitch
A direct Stitch integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- Credentials
- OAuth client credentials, held server-side in PaymentHood
- Webhook security
- Signed event callback, validated before the order is released
- Payment verification
- Server-side payment status re-check against Stitch before fulfilment
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when Stitch is unreachable
- One reconciliation view across Stitch and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
Stitch integrations by platform
Install the free PaymentHood plugin for your store, then enable Stitch in your dashboard.
How to connect Stitch
Open your Stitch account
Register directly with Stitch and complete their onboarding. Funds settle from Stitch into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your Stitch API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Stitch appears as a payment option. Test in sandbox, then switch to live.