Stitch
Payments infrastructure aimed at larger merchants, with an Express product for everyone else. Its case is orchestration: one integration across cards, the bank rail and pay-later, with routing and reconciliation built in.
Stitch published fees
Read off the provider's own published pricing page.
Checked last month, on 23 Jul 2026.
stitch.money/expressThis profile is general factual information and editorial analysis, not an endorsement, personalised recommendation, provider quote or proof that every product is authorised for your use. Check the source dates, exact contracting entity, current written terms and regulatory scope before committing.
The fees
What Stitch charges.
Every line carries the date we last checked it and where we read it. The lines our calculator models are generated from the same engine, so this table and the tool cannot disagree.
| Line | Rate | Notes | Source |
|---|---|---|---|
| Stitch Express rate | 2.95% | Cards · orchestration | Stitch Express rate: 2.95% Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Stitch Capitec Pay rate | 2.00% | Capitec Pay · no chargebacks | Stitch Capitec Pay rate: 2.00% Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Fixed fee per transaction | None | Added on top of the percentage | Fixed fee per transaction: None Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Minimum per transaction | None | A floor on percentage plus fixed fee | Minimum per transaction: None Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Monthly / setup | R0 | On the plan we model | Monthly / setup: R0 Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Payout fee | R2,00 | Charged per payout run | Payout fee: R2,00 Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Refund fee | None | Charged to process a refund | Refund fee: None Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Processing fee on a refund | Kept by the provider | The hidden cost: a refunded sale usually still costs you the original fee | Processing fee on a refund: Kept by the provider Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Chargeback penalty, stitch express | Not published | Not published by any provider. Our model provisions R120,00 per chargeback as an editorial assumption | Chargeback penalty, stitch express: Not published Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Chargeback penalty, stitch capitec pay | None on this rail | Not published by any provider. Our model provisions R120,00 per chargeback as an editorial assumption | Chargeback penalty, stitch capitec pay: None on this rail Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| International cards | 3.4% | Express plan | International cards: 3.4% Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Pay Later (Split) | 5.7% | Native buy now, pay later | Pay Later (Split): 5.7% Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Instant payout | R10.00 | Ex VAT, instead of the standard R2.00 | Instant payout: R10.00 Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
| Custom pricing | R200,000+ | Monthly volume above which Stitch prices custom | Custom pricing: R200,000+ Read off the provider's own published pricing page. Checked last month, on 23 Jul 2026. stitch.money/express |
Rates ex VAT, Express plan. Stitch's enterprise product is quote-only and none of its pricing is published, so everything here describes Express. Stitch is one of the few providers that charges no refund fee at all, though it still keeps the original processing fee like everyone else. Customer refunds take 3 to 12 working days.
What it accepts
Payment methods.
Strengths
- Genuine orchestration: cards, the bank rail and pay-later behind one integration, with routing between them.
- No refund fee, which is unusual. Only the retained processing fee applies.
- Standard payouts are published at R2.00, with a R10.00 instant option; compare both against your expected payout frequency.
- Native BNPL at 5.7% rather than a third-party bolt-on.
Watch-outs
- The enterprise product is entirely quote-based. Only Express pricing is published.
- Stitch publishes no settlement timing, and customer refunds can take up to 12 working days.
- No monthly or setup fee is published either way, so confirm before assuming R0.
- Two decoys when researching: stitch.co is an unrelated US company with its own pricing page, and stitch.me is a separate consumer app.
For developers
Integration and API.
Stitch offers REST and GraphQL APIs with webhooks, plus a hosted checkout for teams that do not want to build one. The developer experience is strong, although the documentation assumes more payments knowledge than Paystack’s does.
The reason to choose it is orchestration. If you want cards, pay-by-bank and BNPL behind one integration with routing and unified reconciliation, that is the product, and it is the closest thing locally to what an enterprise merchant would assemble from several providers elsewhere. If you only need one rail, that capability is not worth paying a card rate of 2.95% for when Ozow’s bank rail is 1.5%.
Note that the published Express pricing is not what a large merchant will pay. Above R200,000 a month Stitch prices custom, and the enterprise product has no published rates at all, so the figures here describe the entry point rather than the destination.
Regulatory records and scope
Stitch Money (Pty) Ltd · 2018/409288/07
Listed in PASA's June 2025 public TPPP register. The register records this entity under a sponsoring bank and payment-service columns. It is not evidence that every Stitch product or activity is authorised, or that the June 2025 status remains current.
Stitch Money (Pty) Ltd: record dated 2025-07-02 Read from the identified regulator or payment-system body publication. Checked this month, on 01 Aug 2026.
Stitch is not a sponsor of this site, and this profile is not a paid placement.Nothing on this page was seen by Stitch before it was published.
In context
How Stitch compares.
The whole field, ranked by what actually reaches your account, computed by the same engine that powers the calculator. Not a shortlist we picked.
| # | Provider | Rail | Headline | Chargebacks | Effective rate | Per month |
|---|---|---|---|---|---|---|
| 1 | Ozow pay-by-bank | Pay-by-bank · no chargebacks | 1.50% | None | 1.80% | R2 703 |
| 2 | Peach Pay by Bank | Pay by Bank · no chargebacks | 1.50% | None | 2.05% | R3 075 |
| 3 | Paystack EFT | EFT · no chargebacks | 2.00% | None | 2.37% | R3 553 |
| 4 | Stitch Capitec Pay This provider | Capitec Pay · no chargebacks | 2.00% | None | 2.38% | R3 563 |
| 5 | iKhokha Instant EFT | Instant EFT · no chargebacks | 2.00% | None | 2.38% | R3 563 |
| 6 | PayFast Instant EFT | Instant EFT · no chargebacks | 2.00% | None | 2.41% | R3 609 |
| 7 | Yoco | Cards · Core plan | 2.55% | Card risk | 3.04% | R4 563 |
| 8 | iKhokha | Cards · SME payments | 2.85% | Card risk | 3.40% | R5 106 |
| 9 | Ozow cards | Cards via partners | 2.85% | Card risk | 3.42% | R5 133 |
| 10 | Stitch Express This provider | Cards · orchestration | 2.95% | Card risk | 3.52% | R5 282 |
| 11 | Paystack | Cards · best DX | 2.90% | Card risk | 3.64% | R5 458 |
| 12 | Peach Payments | Cards · subscriptions | 2.95% | Card risk | 3.79% | R5 683 |
| 13 | PayFast | Widest methods | 3.20% | Card risk | 4.21% | R6 320 |
A R650,00 average basket, R150 000,00 a month, 3% refunded, 4 payout runs a month, incl 15% VAT. Quote-based providers are absent from this table because they publish no rate to compute, not because they were excluded. Card rails carry a chargeback provision of R120 per chargeback, which is an editorial assumption, not a sourced figure: no provider on this site publishes a chargeback penalty amount. Run your own numbers in the calculator.
See Stitch against your real numbers
Set your basket, volume and refund rate to find your effective rate, then compare it with every other gateway.