Stitch

Stitch is a South African payments and open-banking infrastructure company. Its single GraphQL API at https://api.stitch.money/graphql powers Pay By Bank (instant EFT) and LinkPay payment initiation, bank account verification, financial data access (accounts, transactions, balances), payouts and disbursements, refunds, and signed webhook subscriptions, authenticated via OAuth2 client-credentials Bearer tokens.

Stitch publishes 1 API on the APIs.io network: GraphQL API. Tagged areas include Payments, Open Banking, Pay By Bank, GraphQL, and Africa.

Stitch’s developer surface includes authentication, documentation, engineering blog, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
35.9/100 thin ▬ flat Agent 37/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessEnterpriseSelf serve
1 APIs
PaymentsOpen BankingPay By BankGraphQLAfricaSouth AfricaFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 35.9/100 · thin
Contract Quality 16.4 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 6.9 / 10
Agent readiness — 37/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/stitch-money: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Stitch GraphQL API

The GraphQL API from Stitch — 1 operation(s) for graphql.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Stitch GraphQL API

OPEN COLLECTION

GraphQL 1

GraphQL schemas published by this provider.

Stitch GraphQL API

The [Stitch](https://stitch.money/) payments and open-banking platform is exposed through a

GRAPHQL

Pricing Plans 1

Published pricing tiers and plan structures.

Stitch Money Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Stitch Money Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Stitch Money Finops

FINOPS

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Stitch Money Authentication

http · 1 scheme

SECURITY

Stitch Money Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Stitch Money Vulnerability Disclosure

security.txt

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Stitch Money Agentic Access

1 operation · 1 acting

1 operations · 1 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: stitch-money
url: https://raw.githubusercontent.com/api-evangelist/stitch-money/refs/heads/main/apis.yml
name: Stitch
kind: company
description: Stitch is a South African payments and open-banking infrastructure company. Its single GraphQL API at https://api.stitch.money/graphql
  powers Pay By Bank (instant EFT) and LinkPay payment initiation, bank account verification, financial data access (accounts,
  transactions, balances), payouts and disbursements, refunds, and signed webhook subscriptions, authenticated via OAuth2
  client-credentials Bearer tokens.
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/stitch-money.png
tags:
- Payments
- Open Banking
- Pay By Bank
- GraphQL
- Africa
- South Africa
- Fintech
created: '2026-06-21'
modified: '2026-06-21'
specificationVersion: '0.19'
apis:
- aid: stitch-money:stitch-money-graphql-api
  name: Stitch GraphQL API
  description: The GraphQL API from Stitch — 1 operation(s) for graphql.
  humanURL: https://docs.stitch.money/payment-products/payins/paybybank/integration-process
  baseURL: https://api.stitch.money/graphql
  tags:
  - GraphQL
  properties:
  - type: OpenAPI
    url: openapi/stitch-money-graphql-api-openapi.yml
  - type: Documentation
    url: https://docs.stitch.money/payment-products/payins/paybybank/integration-process
  - type: APIReference
    url: https://docs.stitch.money/api
  - type: GraphQL
    url: graphql/stitch-money-graphql.md
  - type: Postman
    url: collections/stitch-money.postman_collection.json
  - type: Documentation
    url: https://docs.stitch.money/payment-products/bank-account-verification/integration-process
  - type: Documentation
    url: https://stitch.money/blog/how-to-integrate-stitch-using-graphql
  - type: Documentation
    url: https://docs.stitch.money/payment-products/payouts/disbursements
  - type: Documentation
    url: https://docs.stitch.money/payment-products/payouts/refunds
  - type: Documentation
    url: https://docs.stitch.money/graphql
common:
- type: AgenticAccess
  url: agentic-access/stitch-money-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/stitch-money-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/stitch-money-domain-security.yml
- type: Authentication
  url: authentication/stitch-money-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Stitch-Money
- type: LinkedIn
  url: https://www.linkedin.com/company/stitchmoney
- type: Website
  url: https://stitch.money/
- type: Documentation
  url: https://docs.stitch.money
- type: Plans
  url: plans/stitch-money-plans-pricing.yml
- type: RateLimits
  url: rate-limits/stitch-money-rate-limits.yml
- type: FinOps
  url: finops/stitch-money-finops.yml
- url: https://stitch.money/blog/rss.xml
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com