# Manage every payment method and provider in one API

Stitch is South Africa's enterprise payment orchestration platform. Set custom routing rules, switch providers without rebuilding integrations and reconcile everything in one place — without locking in to any single bank or network.

## Multiple methods, providers and geographies – one dashboard

### Increase payments performance

Businesses that leverage payments orchestration with Stitch see a boost in conversion due to improvements in card authorisation rates, checkout conversion via alternative payment methods, and automatic redundancy.

### Leverage smart transaction routing

Automatically route payments to the most efficient and relevant provider. Our rules engine allows businesses to easily adjust routing rules, test new payment methods, or switch between providers as and when you need to.

### Save on payments and engineering costs

Leverage a single API vs multiple different integrations, meaning less technology to maintain, faster time to market, and simplified reconciliation.

### Bring your own contract

Maintain your existing commercial agreements with banks and providers and easily switch between them or add more; we’ll never lock you in to a single provider.

## Choose from dozens of pre-built PSP integrations across nineteen African markets.

Choose from dozens of pre-built PSP integrations. Enable payment orchestration and routing without the technical cost of building custom software. Maintain commercial control with a direct PSP agreement.

Access a customizable hosted payments flow. Add and toggle multiple payment methods and providers, and configure the workflow rules to show customers only the methods you want them to see, when, with a customizable payments UI.

## Offer programmatic payouts + cross-border money movement

Send payout instruction via API or file to the party holding your balance, whether it’s a PSP or a local acquiring bank. Choose to make a top-up with PayOS or to fund directly to your PSPs.

Top up a nodal account in EUR or USD. Our rate API will provide the best FX rate to fund your multi-currency wallet (NGN, KES, GHS, and more).

Streamline reconciliation across methods + providers. Monitor all pay-ins from any payments provider or method, with built-in polling and queries so you can close the books faster.

Plus, receive real-time notifications for successful initiation and settlement on all funds paid in, regardless of the method or source.

### Optimize conversion

Track the success of multiple payment types to determine which provider is best and offers the most efficient user experience. Minimize cost, increase conversion, and reduce downtime with smart routing.

Set processing rules based on geography, value of payment, payment method, and many other dimensions. Easy-to-use A/B testing. Swap between providers to run experiments and automatically switch from one provider to another when a provider is down, to minimize lost transactions.

## ISO 27001 + PCI DSS Level 1 certified

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 payment and client data.