# Boost collections with multiple methods + automatic failover

Stitch makes easy for lending and insurance customers to pay their insurance premium or make regular loan payments. Reduce failed or missed payments with more ways to pay.

## Why Stitch for lending + insurance?

Make it easier for customers to make regular recurring or variable recurring payments. Offer fast, secure ways to pay an insurance premium or make a loan payment. Save card or bank details to enable friction-free one-click or headless payments.

### Enable friction-free, headless recurring payments

Loan recipients and insurees can add one or multiple payment methods at sign-up, including card, Debit Order, DebiCheck and Pay by bank. Save their details to easily pull regular payments in the future.

### Eliminate friction at sign-up or application

Stitch flows are optimised to make mandates, signup and payment as easy as possible.

### Reduce failed or missed payments

Understand the best time of the month to collect, and ensure funds are available before initiating payment. Fall back on other methods in the event of a failed payment.

### Reach more customers with Stitch Cash

Offer an option for customers to pay with cash at ATMs across South Africa, and automatically attribute to their digital account.

## Offer more payment options

Tokenise bank or card details to offer customers more ways to pay. Collect via DebiCheck for authorised recurring payments, with card or Pay by bank as an alternative.

## Allow for once-off and returning user flows

Enable customers to make once-off or regular recurring payments via the method of their choice.

## Orchestrate, reconcile and optimise all methods in one place

Reconcile payments across methods through a single dashboard. Surface the method that converts best for particular customers, and understand which methods and providers are best for which customers.

## Stitch solutions for lending + insurance

### Card

### Pay by bank

### Capitec Pay

### Cash

### Manual EFT

### Payouts

### Orchestration

### Reconciliation

## Iron-clad data privacy and security you can rely on

Stitch is a PCI DSS Level 1 Certified payment service provider.

We practice stringent data management and protection through the use of encryption and regularly monitor these systems through internal tests.

Our data protection and information security policies move through constant iteration in order to ensure that we proactively mitigate any potential threats to Stitch’s payment and client data.

## About Stitch

Your payments powerhouse

We work closely with client teams – from technical support, to custom-crafted solutions, to UI/UX and marketing advisory, and ongoing customer success – to make sure the Stitch API performs for your business.