Pay by bank
Accept fast, secure payments directly from customer bank accounts, without the need to manually enter recipient banking details. Opt to securely store your banking details on your device for seamless, one-click returning payments.

Enable fast, secure payments, right from customers’ bank accounts
With Stitch Pay by bank, businesses can easily integrate optimised payment flows anywhere on their app or site and allow customers to make fast, seamless payments directly from their bank accounts.
Boost conversion by enabling customers to pay via FNB, Standard Bank, Nedbank, TymeBank, ABSA, Discovery Bank or Investec - or using Capitec Pay, Absa Pay or Nedbank Direct EFT. Enable even faster payments and higher conversion with one-click transactions for returning customers.
Reach more customers
85% of South Africans have a bank account, but not all have or choose to pay with card. Enable more customers to make digital payments by offering Pay by bank at checkout.
Increase conversion
Enable customers to opt in for seamless, one-click returning payments.
Offer seamless payouts
Easily send refunds or enable withdrawals to the same verified account used for a pay-in.
Enable simple guest checkout
Offer once-off payments flows with an optimised UI. Integrate anywhere on your app or site.
How it works
Customers can pay by bank by entering their online banking details and authenticating via OTP. Returning customers can choose to store their banking details on their device for faster, one-click payments.




ISO 27001 + PCI DSS Level 1 certified
Stitch meets the highest possible global standards of data security and protection.
Our policies move through constant iteration and undergo rigorous testing in order to ensure that we proactively mitigate any potential threats to Stitch’s payment- and client data.
FAQs
To offer Pay by Bank, you’ll need to integrate the Stitch API into your website or application. Contact our sales team to discuss your needs and how we can best support you.
A bank-to-bank transfer, also known as an Electronic Funds Transfer (EFT) or wire transfer, is a direct electronic transfer of funds between two bank accounts. Stitch Pay by Bank facilitates secure transfers between customer and merchant bank accounts.
Pay by bank is a secure, seamless and efficient way to accept payments from customers, anywhere on your app or site. It can be used for wallet or account deposits, savings, bill payments, e-commerce purchases, and more. You’ll get faster processing and reduced risk compared to traditional methods.
Yes! With Pay by bank, businesses can seamlessly accept bank-to-bank (EFT) transfers. This solution can be configured for once-off or recurring payments, with a one-click payment flow for returning users.
Depending on the structure of the business and development resources allocated, our team can work with clients to integrate the Pay by bank payment method into an online checkout or app in just a few days, enabling better, faster payments.
We currently support Absa, FNB, Standard Bank, Nedbank, Tyme Bank, Investec, Discovery and Capitec, via Capitec Pay.
Refunds are a form of payouts in which we reverse a transaction that was made as a pay-in, returning the funds to the bank account used to pay or to another verified bank account.
Yes, merchants can white label Pay by bank to ensure their branding and logo are visible to the consumer, encouraging trust and enabling a better online checkout.
Streamline payments and boost your revenue.
Improve conversion, reduce costs and minimise admin with Stitch.