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Stitch

Stitch is an open banking and payments API platform providing unified access to financial data and payment rails across banks and financial institutions in Africa, primarily South Africa and Nigeria. Stitch enables businesses to accept payments via multiple channels, access bank account data, and issue disbursements through a single GraphQL API.

agent ready

Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.

Kin Score

API Evangelist profiles Stitch the way a machine reads it — 44 machine-readable artifacts across 10 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Stitch scores 52.2/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 52.2/100 · developing
Contract Quality 17.3 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 5.5 / 13
Governance 8.8 / 12
Discoverability 8.8 / 10
Regulatory · Banking & Open Finance 7.5 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile Stitch

Each block below is one kind of artifact we hold for Stitch. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 10

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Stitch Pay By Bank

Stitch Pay By Bank enables merchants to accept instant bank transfer payments directly from customers' bank accounts in South Africa and Nigeria.

Stitch Capitec Pay

Stitch integration with Capitec Bank's Capitec Pay payment method, enabling customers to pay via Capitec mobile banking.

Stitch Card Payments

Stitch card payment processing enabling businesses to accept debit and credit card payments through the Stitch unified platform.

Stitch DebiCheck

Stitch DebiCheck integration providing authenticated debit orders for recurring payment collection in South Africa.

Stitch Manual EFT

Stitch Manual EFT (Electronic Funds Transfer) enabling customers to pay via standard bank EFT with Stitch's streamlined reference management.

Stitch Disbursements

Stitch Disbursements (Payouts) API enabling businesses to programmatically send funds to bank accounts, enabling mass payments, refunds, and marketplace disbursements.

Stitch Authentication API

OAuth 2.0 token operations.

Stitch Disbursements API

Outbound payment and payout operations.

Stitch Financial Data API

Bank account and transaction data.

Stitch Payments API

Payment initiation and management.

Scroll within the panel for all 10 ·

Open Collections 1

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Stitch API

OPEN COLLECTION

GraphQL 1

Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.

GraphQL schemas published by this provider.

Stitch GraphQL API

The core Stitch API using GraphQL, available at api.stitch.money/graphql. Follows the Relay Server Specification for pagination. Supports all Stitch products including pay-ins, ...

GRAPHQL

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Stitch Plans Pricing

3 plans

PLANS

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Stitch Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Features 8

The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.

Notable capabilities this provider offers.

Stitch (Talend / Qlik): hundreds of services across Data Integration
Detailed pricing: see https://www.stitchdata.com/pricing/
Service: Stitch Data Loader
Service: 130+ pre-built sources
Service: Standard ($100/mo for 5M rows)
Service: Advanced ($1,250/mo)
Service: Premium ($2,500/mo)
Service: Now part of Qlik Data Integration platform

Scroll within the panel for all 8 ·

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

Stitch Context

20 classes · 0 properties

JSON-LD

Spectral Rules 2

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

Stitch API Rules

5 rules · 3 warnings

SPECTRAL

Stitch API Rules

7 rules · 5 errors · 2 warnings

SPECTRAL

JSON Schema 10

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

Stitch Bank Account

6 properties

JSON SCHEMA

BankAccount

6 properties

JSON SCHEMA

Disbursement

6 properties

JSON SCHEMA

GraphQLError

2 properties

JSON SCHEMA

GraphQLRequest

3 properties

JSON SCHEMA

GraphQLResponse

2 properties

JSON SCHEMA

MoneyAmount

2 properties

JSON SCHEMA

Stitch Payment Initiation Request

7 properties

JSON SCHEMA

PaymentInitiationRequest

5 properties

JSON SCHEMA

TokenResponse

4 properties

JSON SCHEMA

Scroll within the panel for all 10 ·

JSON Structure 2

JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.

JSON Structure definitions describing this provider's data shapes.

Stitch Payment Structure

0 properties

JSON STRUCTURE

Stitch Structure

0 properties

JSON STRUCTURE

Examples 2

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Stitch Authentication

http · 1 scheme

SECURITY

Stitch Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Stitch Vulnerability Disclosure

security.txt

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Stitch Agentic Access

2 operations · 2 acting

2 operations · 2 acting

AGENTIC

Resources

Every other property we hold for Stitch — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Get Started 1

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Build 1

SDKs, sample code, and the tooling you integrate with

Operate 1

Status, limits, changes, and where to get help

Company 3

The organization behind the API

← All providers · Data indexed from github.com/api-evangelist/stitch · machine-readable index on apis.io