aid: stitch-money
url: https://raw.githubusercontent.com/api-evangelist/stitch-money/refs/heads/main/apis.yml
name: Stitch
kind: company
description: Stitch is a South African payments and open-banking infrastructure company.
  Its single GraphQL API at https://api.stitch.money/graphql powers Pay By Bank (instant
  EFT) and LinkPay payment initiation, bank account verification, financial data access
  (accounts, transactions, balances), payouts and disbursements, refunds, and signed
  webhook subscriptions, authenticated via OAuth2 client-credentials Bearer tokens.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Open Banking
- Pay By Bank
- GraphQL
- Africa
- South Africa
- Fintech
created: '2026-06-21'
modified: '2026-06-21'
specificationVersion: '0.19'
apis:
- aid: stitch-money:payments-pay-by-bank
  name: Stitch Payments (Pay By Bank)
  tags:
  - Payments
  - Pay By Bank
  - Instant EFT
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.stitch.money/payment-products/payins/paybybank/integration-process
  baseURL: https://api.stitch.money/graphql
  properties:
  - url: https://docs.stitch.money/payment-products/payins/paybybank/integration-process
    type: Documentation
  - url: https://docs.stitch.money/api
    type: APIReference
  - url: openapi/stitch-money-openapi.yml
    type: OpenAPI
  - url: graphql/stitch-money-graphql.md
    type: GraphQL
  - url: collections/stitch-money.postman_collection.json
    type: Postman
  description: Pay By Bank (instant EFT) and LinkPay payment initiation via the
    clientPaymentInitiationRequestCreate and clientPaymentAuthorizationRequestCreate
    GraphQL mutations, with payment status queried through the Relay node field and
    completion delivered by signed webhooks.
- aid: stitch-money:account-verification
  name: Stitch Account Verification API
  tags:
  - Account Verification
  - Bank Account
  - KYC
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.stitch.money/payment-products/bank-account-verification/integration-process
  baseURL: https://api.stitch.money/graphql
  properties:
  - url: https://docs.stitch.money/payment-products/bank-account-verification/integration-process
    type: Documentation
  - url: https://docs.stitch.money/api
    type: APIReference
  - url: openapi/stitch-money-openapi.yml
    type: OpenAPI
  - url: graphql/stitch-money-graphql.md
    type: GraphQL
  - url: collections/stitch-money.postman_collection.json
    type: Postman
  description: Bank account verification via the verifyBankAccountDetails GraphQL
    query, confirming account holder name, account number, and bank against the
    BankAccountVerificationInput and returning a VerifiedBankAccountDetails breakdown.
- aid: stitch-money:financial-data
  name: Stitch Financial Data API
  tags:
  - Financial Data
  - Accounts
  - Transactions
  - Balances
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://stitch.money/blog/how-to-integrate-stitch-using-graphql
  baseURL: https://api.stitch.money/graphql
  properties:
  - url: https://stitch.money/blog/how-to-integrate-stitch-using-graphql
    type: Documentation
  - url: https://docs.stitch.money/api
    type: APIReference
  - url: openapi/stitch-money-openapi.yml
    type: OpenAPI
  - url: graphql/stitch-money-graphql.md
    type: GraphQL
  - url: collections/stitch-money.postman_collection.json
    type: Postman
  description: User-permissioned financial data access - bank accounts, transactions,
    balances and debit orders - queried through the user node with bankAccounts,
    transactions, and runningBalance fields using a user access token.
- aid: stitch-money:payouts-disbursements
  name: Stitch Payouts and Disbursements API
  tags:
  - Payouts
  - Disbursements
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.stitch.money/payment-products/payouts/disbursements
  baseURL: https://api.stitch.money/graphql
  properties:
  - url: https://docs.stitch.money/payment-products/payouts/disbursements
    type: Documentation
  - url: https://docs.stitch.money/api
    type: APIReference
  - url: openapi/stitch-money-openapi.yml
    type: OpenAPI
  - url: graphql/stitch-money-graphql.md
    type: GraphQL
  - url: collections/stitch-money.postman_collection.json
    type: Postman
  description: Outbound disbursements and payouts to beneficiary bank accounts via the
    clientDisbursementInitiate GraphQL mutation, using amount, destination account
    details, a beneficiary reference, and a nonce to enforce idempotent uniqueness.
- aid: stitch-money:refunds
  name: Stitch Refunds API
  tags:
  - Refunds
  - Payouts
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.stitch.money/payment-products/payouts/refunds
  baseURL: https://api.stitch.money/graphql
  properties:
  - url: https://docs.stitch.money/payment-products/payouts/refunds
    type: Documentation
  - url: https://docs.stitch.money/api
    type: APIReference
  - url: openapi/stitch-money-openapi.yml
    type: OpenAPI
  - url: graphql/stitch-money-graphql.md
    type: GraphQL
  - url: collections/stitch-money.postman_collection.json
    type: Postman
  description: Full and partial refunds against a prior Pay By Bank or Card payment via
    the clientRefundInitiate GraphQL mutation, referencing the originalPaymentId of a
    payment initiation request or card transaction.
- aid: stitch-money:webhooks
  name: Stitch Webhooks and Subscriptions API
  tags:
  - Webhooks
  - Subscriptions
  - Events
  - GraphQL
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.stitch.money/graphql
  baseURL: https://api.stitch.money/graphql
  properties:
  - url: https://docs.stitch.money/graphql
    type: Documentation
  - url: https://docs.stitch.money/api
    type: APIReference
  - url: openapi/stitch-money-openapi.yml
    type: OpenAPI
  - url: graphql/stitch-money-graphql.md
    type: GraphQL
  - url: collections/stitch-money.postman_collection.json
    type: Postman
  description: Signed webhook subscriptions created per client to receive payment,
    disbursement, refund, and account-linking event callbacks, configured via the
    clientWebhookAdd GraphQL mutation against an HTTPS endpoint with a shared secret.
common:
- type: GitHubOrganization
  url: https://github.com/Stitch-Money
- type: LinkedIn
  url: https://www.linkedin.com/company/stitchmoney
- type: Website
  url: https://stitch.money/
- type: Documentation
  url: https://docs.stitch.money
- type: Plans
  url: plans/stitch-money-plans-pricing.yml
- type: RateLimits
  url: rate-limits/stitch-money-rate-limits.yml
- type: FinOps
  url: finops/stitch-money-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com