Stitch

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, primarily South Africa and Nigeria. Stitch enables businesses to accept payments via multiple channels, access bank account data, and issue disbursements through a single GraphQL API.

Stitch publishes 8 API contracts indexed on the APIs.io network, including Authentication API, Payments API, and 6 more. Tagged areas include Africa, Financial Data, Open Banking, Payments, and Unified API.

The Stitch catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Stitch’s developer surface includes authentication, documentation, signup flow, engineering blog, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.7/100 thin ▬ flat Agent 23/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 8 Features

Africa Financial Data Open Banking Payments Unified API South Africa Nigeria

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 34.7/100 · thin

Contract Quality 10.9 / 19

Developer Ergonomics 3.6 / 15

Access Clarity 3.2 / 15

Operational Transparency 3.3 / 10

Contract Governance 1.2 / 9

Discoverability 4.3 / 8

Regulatory Posture 3.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 21.1 — up to +15.8 composite points
Developer Ergonomics scores 23.8 — up to +15.2 composite points
Contract Quality scores 58.1 — up to +10.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/stitch/apis.yml: open an issue on github.com/api-evangelist/stitch to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Data Integration (ELT connectors and data governance)	undeclared	-	-	1
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 8

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

Stitch Pay By Bank

Stitch Pay By Bank enables merchants to accept instant bank transfer payments directly from customers' bank accounts in South Africa and Nigeria.

Stitch Capitec Pay

Stitch integration with Capitec Bank's Capitec Pay payment method, enabling customers to pay via Capitec mobile banking.

Stitch Card Payments

Stitch card payment processing enabling businesses to accept debit and credit card payments through the Stitch unified platform.

Stitch DebiCheck

Stitch DebiCheck integration providing authenticated debit orders for recurring payment collection in South Africa.

Stitch Manual EFT

Stitch Manual EFT (Electronic Funds Transfer) enabling customers to pay via standard bank EFT with Stitch's streamlined reference management.

Stitch Disbursements

Stitch Disbursements (Payouts) API enabling businesses to programmatically send funds to bank accounts, enabling mass payments, refunds, and marketplace disbursements.

Stitch Authentication API

OAuth 2.0 token operations.

Stitch Payments API

Payment initiation and management.

Scroll for all 8

Open Collections 5

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

Stitch Authentication API

OPEN COLLECTION

Stitch Authentication Disbursements API

OPEN COLLECTION

Stitch Authentication Financial Data API

OPEN COLLECTION

Stitch Authentication Payments API

OPEN COLLECTION

Stitch API

OPEN COLLECTION

GraphQL 1

GraphQL schemas published by this provider.

Stitch GraphQL API

The core Stitch API using GraphQL, available at api.stitch.money/graphql. Follows the Relay Server Specification for pagination. Supports all Stitch products including pay-ins, ...

GRAPHQL

Stitch API pricing

Not yet checked against Stitch's own pricing page. Compiled by API Evangelist on 2026-05-04 from www.stitchdata.com/pricing/; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Platform Pricing Overview enterprise	—
Committed Use / Reserved enterprise	—
Free Tier / Trial freemium	Free

Plan details, limits and sources →

Rate limits

Per-service quotas: see service-specific quotas page varies
Throttling: service-specific TPS / RPM varies

Compiled by API Evangelist, not yet checked against Stitch's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Stitch Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Stitch Rate Limits

2 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Stitch

SLA

FinOps 1

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

Stitch Finops

FINOPS

Features 8

Notable capabilities this provider offers.

Stitch (Talend / Qlik): hundreds of services across Data Integration

Detailed pricing: see https://www.stitchdata.com/pricing/

Service: Stitch Data Loader

Service: 130+ pre-built sources

Service: Standard ($100/mo for 5M rows)

Service: Advanced ($1,250/mo)

Service: Premium ($2,500/mo)

Service: Now part of Qlik Data Integration platform

Scroll for all 8

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Stitch Context

20 classes · 0 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Stitch — jsonschema rules

5 rules · 3 warnings 2 info

SPECTRAL

Stitch API Rules

7 rules · 5 errors 2 warnings

SPECTRAL

JSON Schema 10

Standalone JSON Schema definitions for this provider's data models.

Stitch Bank Account

6 properties

JSON SCHEMA

BankAccount

6 properties

JSON SCHEMA

Disbursement

6 properties

JSON SCHEMA

GraphQLError

2 properties

JSON SCHEMA

GraphQLRequest

3 properties

JSON SCHEMA

GraphQLResponse

2 properties

JSON SCHEMA

MoneyAmount

2 properties

JSON SCHEMA

Stitch Payment Initiation Request

7 properties

JSON SCHEMA

PaymentInitiationRequest

5 properties

JSON SCHEMA

TokenResponse

4 properties

JSON SCHEMA

Scroll for all 10

JSON Structure 2

JSON Structure definitions describing this provider's data shapes.

Stitch Payment Structure

0 properties

JSON STRUCTURE

Stitch Structure

0 properties

JSON STRUCTURE

Examples 2

Example request and response payloads for these APIs.

Stitch Executegraphql Example

6 fields

EXAMPLE

Stitch Initiate Payment Example

2 fields

EXAMPLE

Security Posture 3

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

Stitch Authentication

http · 1 scheme

SECURITY

Stitch Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Stitch Vulnerability Disclosure

security.txt

SECURITY

Agentic Access 1

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

Stitch Agentic Access

2 operations · 2 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Signup

Signup

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 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 4

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Blog

Blog

Source (apis.yml)

aid: stitch
name: Stitch
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, primarily South Africa and Nigeria. Stitch enables businesses to accept
  payments via multiple channels, access bank account data, and issue disbursements through a single GraphQL API.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/stitch.png
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
tags:
- Africa
- Financial Data
- Open Banking
- Payments
- Unified API
- South Africa
- Nigeria
tags_raw:
- Africa
- Financial Data
- Open Banking
- Payments
- Unified API
- South Africa
- Nigeria
- Unified-API
url: https://raw.githubusercontent.com/api-evangelist/stitch/refs/heads/main/apis.yml
created: '2026-03-27'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: stitch:stitch-pay-by-bank
  name: Stitch Pay By Bank
  description: Stitch Pay By Bank enables merchants to accept instant bank transfer payments directly from customers' bank
    accounts in South Africa and Nigeria.
  humanURL: https://docs.stitch.money/
  tags:
  - Payments
  - Bank Transfers
  - Pay-In
  tags_raw:
  - Payments
  - Bank Transfer
  - Pay-ins
  properties:
  - type: Documentation
    url: https://docs.stitch.money/
- aid: stitch:stitch-capitec-pay
  name: Stitch Capitec Pay
  description: Stitch integration with Capitec Bank's Capitec Pay payment method, enabling customers to pay via Capitec mobile
    banking.
  humanURL: https://docs.stitch.money/
  tags:
  - Payments
  - Capitec
  - South Africa
  properties:
  - type: Documentation
    url: https://docs.stitch.money/
- aid: stitch:stitch-card-payments
  name: Stitch Card Payments
  description: Stitch card payment processing enabling businesses to accept debit and credit card payments through the Stitch
    unified platform.
  humanURL: https://docs.stitch.money/
  tags:
  - Payments
  - Card Payments
  - Pay-In
  tags_raw:
  - Payments
  - Card Payments
  - Pay-ins
  properties:
  - type: Documentation
    url: https://docs.stitch.money/
- aid: stitch:stitch-debicheck
  name: Stitch DebiCheck
  description: Stitch DebiCheck integration providing authenticated debit orders for recurring payment collection in South
    Africa.
  humanURL: https://docs.stitch.money/
  tags:
  - Payments
  - DebiCheck
  - Recurring Payments
  - South Africa
  properties:
  - type: Documentation
    url: https://docs.stitch.money/
- aid: stitch:stitch-manual-eft
  name: Stitch Manual EFT
  description: Stitch Manual EFT (Electronic Funds Transfer) enabling customers to pay via standard bank EFT with Stitch's
    streamlined reference management.
  humanURL: https://docs.stitch.money/
  tags:
  - Payments
  - EFT
  - Bank Transfers
  tags_raw:
  - Payments
  - EFT
  - Bank Transfer
  properties:
  - type: Documentation
    url: https://docs.stitch.money/
- aid: stitch:stitch-disbursements
  name: Stitch Disbursements
  description: Stitch Disbursements (Payouts) API enabling businesses to programmatically send funds to bank accounts, enabling
    mass payments, refunds, and marketplace disbursements.
  humanURL: https://docs.stitch.money/
  tags:
  - Payouts
  - Disbursements
  - Bank Transfers
  tags_raw:
  - Payouts
  - Disbursements
  - Bank Transfer
  properties:
  - type: Documentation
    url: https://docs.stitch.money/
- aid: stitch:stitch-authentication-api
  name: Stitch Authentication API
  description: OAuth 2.0 token operations.
  humanURL: https://docs.stitch.money/
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/stitch-authentication-api-openapi.yml
  - type: Documentation
    url: https://docs.stitch.money/
  - type: GraphQL
    url: https://api.stitch.money/graphql
  - type: GraphQL
    url: graphql/stitch-graphql.md
- aid: stitch:stitch-payments-api
  name: Stitch Payments API
  description: Payment initiation and management.
  humanURL: https://docs.stitch.money/
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/stitch-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.stitch.money/
  - type: GraphQL
    url: https://api.stitch.money/graphql
  - type: GraphQL
    url: graphql/stitch-graphql.md
common:
- type: Plans
  url: plans/stitch-plans-pricing.yml
- type: RateLimits
  url: rate-limits/stitch-rate-limits.yml
- type: FinOps
  url: finops/stitch-finops.yml
- type: AgenticAccess
  url: agentic-access/stitch-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/stitch-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/stitch-domain-security.yml
- type: Authentication
  url: authentication/stitch-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/stitchdata
- type: Website
  url: https://stitch.money/
- type: Documentation
  url: https://docs.stitch.money/
- type: GitHubOrganization
  url: https://github.com/stitch-money
- type: Signup
  url: https://stitch.money/contact
- type: StatusPage
  url: https://status.stitch.money/
- type: Blog
  url: https://stitch.money/blog
- type: Features
  data:
  - 'Stitch (Talend / Qlik): hundreds of services across Data Integration'
  - 'Detailed pricing: see https://www.stitchdata.com/pricing/'
  - 'Service: Stitch Data Loader'
  - 'Service: 130+ pre-built sources'
  - 'Service: Standard ($100/mo for 5M rows)'
  - 'Service: Advanced ($1,250/mo)'
  - 'Service: Premium ($2,500/mo)'
  - 'Service: Now part of Qlik Data Integration platform'
  sources:
  - https://www.stitchdata.com/pricing/
  - https://focus.finops.org/
  updated: '2026-05-04'
- type: GitHubOrganization
  url: https://github.com/Stitch-Money
- url: https://stitch.money/blog/rss.xml
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Stitch API — frequently asked questions

Does Stitch have an API?

Yes. APIs.io lists 8 APIs from Stitch, including Stitch Pay By Bank, Stitch Capitec Pay and Stitch Card Payments, and 5 more.

Is there an OpenAPI specification for the Stitch API?

Yes. APIs.io indexes 2 OpenAPI specifications for Stitch, each linked for download from this page.

How do I authenticate with the Stitch API?

Stitch uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Stitch Authentication.

How much does the Stitch API cost?

APIs.io lists 3 pricing plans for Stitch, with each plan's price, limits and inclusions under Pricing on this page.

Is the Stitch API ready for AI agents?

Stitch has a Kin Score of 34.7 out of 100 (thin) and an Agent Readiness score of 22.9 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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