# Stitch

**Canonical:** https://apis.io/providers/stitch/  
**Website:** https://stitch.money/  
**APIs profiled:** 10

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.

## Kin Score — 38.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 38.2).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 65.7 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Banking & Open Finance**: 34.2 (matched via tags).

## Agent readiness — 35.0 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (10)

- **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 Disbursements API** — Outbound payment and payout operations.
- **Stitch Financial Data API** — Bank account and transaction data.
- **Stitch Payments API** — Payment initiation and management.

## Agentic access (1)

- **Stitch Agentic Access** — 2 operations · 2 acting

## Security (3)

- **Stitch Authentication** — http · 1 scheme
- **Stitch Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Stitch Vulnerability Disclosure** — security.txt

## Plans (1)

- **Stitch Plans Pricing**

## Tags

Africa, Financial Data, Open Banking, Payments, Unified-API, South Africa, Nigeria

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/stitch/). Scores are computed from the provider's own public artifacts under a published rubric.