Stitch is a comprehensive payments platform built for South African businesses, designed to facilitate online payments, in-person transactions, and automated payouts. The platform provides enterprise-scale infrastructure, including built-in redundancy, real-time fraud prevention, and seamless reconciliation to help businesses optimize their payment performance. Whether catering to large-scale enterprises with complex requirements or supporting growing businesses with purpose-built solutions, Stitch enables omnichannel commerce through a unified data layer.

Stitch streamlines payment operations by managing multiple payment methods and providers through a single integration. The platform offers smart routing and automated failover to ensure high availability, ensuring that if one transaction route encounters issues, traffic is intelligently redirected without disrupting the customer experience. This infrastructure is complemented by an embedded fraud detection engine that evaluates every transaction before it clears, utilizing rule-based detection to balance security with conversion optimization.

Some of the key features are:

• Omnichannel Integration: Unifies online and in-person payments on a single platform with consistent reporting and data management.
• Smart Routing and Failover: Intelligently routes transactions across redundant paths to maintain 99.995% uptime.
• Embedded Fraud Protection: AI-driven, rule-based fraud detection engine blocks fraudulent actors in real time.
• Unified Reconciliation: Centralizes transaction data from online, in-store, and payout sources for easier financial management.
• Flexible Payouts: Enables automated, 24/7, 365-day disbursements, refunds, and withdrawals across multiple banking rails.
• Developer-Friendly Tools: Offers well-documented APIs, plug-and-play e-commerce plugins, and custom modules for various integration needs.
• Enterprise Support: Provides engineer-led tech support, dedicated client success management, and bespoke integration options.

Stitch operates by integrating directly with the local financial ecosystem to provide reliable payment processing. Businesses utilize its APIs or e-commerce plugins to offer diverse payment methods—such as cards, instant EFT, and digital wallets—to their customers. For enterprise clients, the platform provides tailored checkouts and high-performance routing, while smaller merchants can leverage 'Stitch Express' to get up and running quickly. Reconciliation is managed via a centralized dashboard that tracks the full lifecycle of every transaction.

Some common use cases include:

• Multi-lane Retail: Managing complex in-store payment terminals across multiple retail locations with unified reporting.
• E-commerce Scaling: Allowing growing online stores to quickly implement diverse payment methods via plugins for platforms like Shopify or WooCommerce.
• Automated Disbursements: Streamlining payroll, vendor payments, or customer refunds through programmatic API payouts.
• Omnichannel Retail: Synchronizing the customer payment experience across both physical storefronts and online web portals for consistent data and reconciliation.