Stitch Payments API

openapi: 3.2.0
info:
  title: Stitch Payments API
  description: Stitch is an open banking and payments API platform providing unified access to financial data and payment rails across banks and financial institutions in Africa (South Africa and Nigeria). Stitch uses GraphQL as its primary API, following the Relay Server Specification for pagination. Authentication uses OAuth 2.0 client credentials. This OpenAPI document describes the HTTP transport layer for the Stitch GraphQL endpoint and OAuth token flows.
  version: '1.0'
  contact:
    url: https://stitch.money/
  termsOfService: https://stitch.money/legal/terms-of-service
servers:
- url: https://api.stitch.money
  description: Stitch Production API
- url: https://id.stitch.money
  description: Stitch Identity / Auth Server
security:
- BearerAuth: []
tags:
- name: Payments
  description: Payment initiation and management.
paths:
  /graphql:
    post:
      operationId: executeGraphQL
      summary: Execute GraphQL Query or Mutation
      description: Execute any Stitch GraphQL query or mutation. The Stitch API is GraphQL-first, following the Relay Server Specification. Supports payment initiation, bank account data retrieval, disbursements, and payment status tracking. All operations require a Bearer access token.
      tags:
      - Payments
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/GraphQLRequest'
            examples:
              initiatePayment:
                summary: Initiate Pay By Bank Payment
                value:
                  query: "mutation InitiatePayment($input: PaymentInitiationRequestInput!) {\n  clientPaymentInitiationRequestCreate(input: $input) {\n    paymentInitiationRequest {\n      id\n      url\n      status\n    }\n  }\n}\n"
                  variables:
                    input:
                      amount:
                        quantity: '100.00'
                        currency: ZAR
                      payerReference: Order-12345
                      beneficiaryReference: Order-12345
                      merchant: merchant-id
              listBankAccounts:
                summary: List Linked Bank Accounts
                value:
                  query: "query ListBankAccounts {\n  user {\n    bankAccounts {\n      id\n      name\n      accountNumber\n      bankId\n      availableBalance { quantity currency }\n      currentBalance { quantity currency }\n    }\n  }\n}\n"
      responses:
        '200':
          description: GraphQL response returned successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GraphQLResponse'
        '401':
          description: Invalid or missing Bearer token.
components:
  schemas:
    GraphQLRequest:
      type: object
      required:
      - query
      properties:
        query:
          type: string
          description: GraphQL query or mutation string.
        variables:
          type: object
          additionalProperties: true
          description: Variables for the GraphQL operation.
        operationName:
          type: string
          description: Named operation to execute.
    GraphQLResponse:
      type: object
      properties:
        data:
          type: object
          additionalProperties: true
          description: Response data from the GraphQL operation.
        errors:
          type: array
          items:
            $ref: '#/components/schemas/GraphQLError'
    GraphQLError:
      type: object
      properties:
        message:
          type: string
        extensions:
          type: object
          additionalProperties: true
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: OAuth 2.0 Bearer token from the Stitch identity server.