Stitch Pulse
Analytics

AI-driven payments analytics for South African enterprises

Pulse Analytics briefs every person in your business each morning on what moved in your business, what caused it and what impact it's had, based on in-depth payments data. Ask questions in plain language, set alerts in a sentence, share instant reports and take action from the same screen.

Pulse — Analytics, 2:1

Pulse

Daily report

Good morning, Lerato.

Month to date you’re R 14m ahead of last month, up 12%. Most of it came in the last week.

Revenue · month to date

Revenue is up 12% month to date: R 14m ahead of last month

R 130.7m ▲ 12%

Revenue × customer

Payments · since Saturday

Card conversion on Capitec-issued cards is down 2 points

72% ▼ 2 pts

R 0.94mSales lost

1 540Couldn’t pay

74% → 72%Conversion

Why is revenue up?

Revenue is R 14m ahead of last month. Three things drove it.

R 130.7m against R 116.7m for the same 18 days of September.

Spring Home Sale+R 5.8m
Existing customers spending more+R 5.6m
New customers+R 2.6m

Did the sale actually work?

Only R 2.4m was genuine extra sales, for R 6.2m of discount.

212 cards created 1 180 “new” accounts The same cards opened account after account to reuse the first-order discount.

Worked for 3s · 3 steps · 4 sources

Save this as an artefact

Saved. Why revenue is up R 14m is in your Artefacts.

The bridge, the three levers and the sale breakdown are kept together.

Why revenue is up R 14m Analysis · Revenue bridge · Three levers · Spring Home Sale breakdown

Open Artefacts

Worked for 1s · 1 step

Pull the transaction list for all the customers in these three groups

14 090 transactions from 10 470 customers, month to date.

Each lever’s total matches the bridge. Customers show as IDs only.

PromotionR 5.8m4 210 customers
Spent moreR 5.6m3 870 customers
NewR 2.6m2 390 customers
TotalR 14m10 470 customers
DateCustomerLeverChannelAmount
18 Oct · 20:59CUS-95513NewAppR 1 771
18 Oct · 20:58CUS-62876PromotionAppR 775
18 Oct · 20:58CUS-67027PromotionOnlineR 853
18 Oct · 20:57CUS-32100PromotionWoodlandsR 676
18 Oct · 20:56CUS-69895PromotionAppR 1 696

Worked for 3s · 3 steps · 4 sources

Ask Pulse

What is Pulse Analytics?

Pulse Analytics offers AI-powered data insights and a custom agent that works across your payments data around the clock. It briefs teams on what changed in the business, explains why, answers questions in plain language and takes permitted actions, using the full transaction history Stitch already holds. It';s part of Stitch Pulse, the suite of AI-driven software solutions.

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Ask
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Pulse — Daily report (light)

Good morning, Lerato.

Month to date you’re R 14m ahead of last month, up 12%.
Most of it came in the last week. Capitec cards also had a bad Saturday online.

Here’s your daily report

Revenue · Month to date

Revenue is up 12% month to date: R 14m ahead of last month

R 0.0m 0%

Against R 116.7m for the same 18 days of September. Flat for 11 days, then steep since the Spring Home Sale started on the 12th.

1 Oct
This month Last month
18 Oct
Revenue × Customer

Payments · Since Saturday

Card conversion on Capitec-issued cards is down 2 points since Saturday

0% 0 pts

1 540 customers couldn’t pay by card online on Saturday afternoon. R 0.94m in sales didn’t come back.

Sat 00:00 Dip 14:10–23:10 Now
R 0.00m Sales lost
0 Customers couldn’t pay
74% → 72% Capitec card conversion
Payments × Customer

Disputes · Month to date

Chargebacks are at 0.81%, from 0.42% last month

0.00% +0.00 pts

598 chargebacks against 312, on about the same number of card payments.

1 Oct
This month Last month
18 Oct
Payments × Risk
Pulse — Ask

How are chargebacks compared to last month?

Chargebacks are up from 0.42% to 0.81%: 598 this month against 312.

Chargebacks by day · this month against last

0.81% Chargeback rate this month
0.42% Same days last month
+286 More chargebacks
Last month This month
1 Oct 6 Oct 12 Oct 18 Oct

Who’s driving it?

23 customers account for 61% of the increase.

Chargebacks per customer · this month

23 customers · 186 chargebacks · 61% of the increase

Most chargebacks …and 412 customers with one each
Ask Pulse
Pulse — Watch

Monitor my chargeback rate and alert me if it goes above 0.75%. Also flag any customer with more than 2 chargebacks in a month

Here’s what I understood: two rules. Nothing is saved until you confirm.

Here’s what I’ll watch

Edit anything before you confirm

1 Chargeback rate

Measure All channels Over Rolling 30 days Alert above 0.75 %

2 Customers with repeat chargebacks

Flag customers with 3 or more chargebacks In a Calendar month

You said more than 2, so 3 or more.

Pulse checks every 5 minutes. Nothing is saved until you confirm.

Worked for 1s · 1 step · 1 source

Confirm

Both are live. The rate is already above your line at 0.81%, so it shows as an alert.

Watch set

Alert · 0.81% now

Chargeback rate · all channels

Alert when the rolling 30 days rate is above 0.75%.

Chargeback rate · last 30 days Alert above 0.75% 0.81%
19 Sep Today
Added just now

Watch set

4 customers match today

Customers with 3 or more chargebacks in a calendar month

Flag any customer as soon as they cross the line, with their history.

Customers matching · last 30 days Flag at 3+ 4 customers
19 Sep Today
Added just now

Worked for 1s · 1 step · 2 sources

Ask Pulse
Pulse — Act

Refund TXN-8F3K-2291 in full. The customer says they were charged twice.

Refund · Waiting for your confirmation

Refund R 1 249.00 to card •••• 4417

Full refund to the original payment method. Nothing moves until you confirm.

TransactionTXN-8F3K-2291
Paid11 Oct 2026, 14:32 · Card online
Original amountR 1 249.00
Already refundedR 0.00
ReasonDuplicate charge
Refund amountR 1 249.00

Duplicate confirmed. Same card, same basket, charged again 41 seconds later after a checkout retry. The second payment, TXN-8F3K-2290, stays in place.

Within your refund limit. Every step is recorded in the audit trail.

Confirm refund

Refund paid

Proof of refund is ready

R 1 249.00 was paid back to card •••• 4417 on 13 Oct 2026 at 09:14. It should reflect on the customer’s statement in 3 to 5 business days.

Proof-of-refund_RF-7741.pdf

1 page · 84 KB · Generated just now

Refund reference, original transaction, amount, date paid, card network reference.

Refund referenceRF-20261013-7741
Network reference (ARN)74987 6261 0130 9141
Ask Pulse

Evaluate four data lines

Pulse Analytics is built on data from every payment you process through Stitch, online and in store. Add additional data sources for even more insights. Evaluate insights from your transaction data across payments, customers, products and channels.

Credit card icon

Payments

Approvals, declines and decline reasons, bank behaviour, settlement, refunds and chargebacks. Live from day one.

Group icon

Customers

Who is new, who is returning, how they prefer to pay and how their spending changes. Live from day one, and richer when you send a customer key.

Barcode scanner icon

Products

What was in the basket and which promotion applied. Switches on when you add line items to the data you already send Stitch.

Point of sale icon

Channels

Every store, till, website and app, side by side. Switches on when you add store and terminal IDs.

ISO 27001 + PCI DSS Level 1 certified

Pulse runs inside the same certified environment Stitch uses to process your payments.

Our policies move through constant iteration and undergo rigorous testing in order to ensure that we proactively mitigate any potential threats to Stitch payment and client data.

FAQs

What is Pulse Analytics?
Who is Pulse Analytics for?
Who can use Pulse Analytics?
How do I get started?
Do I need a new integration or a data warehouse?
What data does Pulse Analytics use?
Can I connect other data sources?
Can I build dashboards, reports and alerts with Pulse Analytics?
Can Pulse Analytics process refunds and payouts?

See what your payments have been telling you all along

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