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.

URL: https://raw.githubusercontent.com/api-evangelist/stitch/refs/heads/main/apis.yml

Scope

• Type: Index

Tags

• Africa
• Financial Data
• Open Banking
• Payments
• Unified API
• South Africa
• Nigeria

Timestamps

• Created: 2026-03-27
• Modified: 2026-05-02

APIs

Stitch GraphQL API

GraphQL API at api.stitch.money/graphql following Relay Server Specification. Supports payments, bank account data, and disbursements. OAuth 2.0 client credentials authentication.

Human URL: https://docs.stitch.money/

Payment Products (Pay-ins)

• Pay By Bank
• Capitec Pay
• Card Payments
• DebiCheck
• Manual EFT
• Cash Payments
• Crypto Payments

Payment Products (Pay-outs)

• Disbursements

OpenAPI Specifications

Spec	Description
stitch-openapi.yml	Stitch API — GraphQL endpoint and OAuth token flow

Capabilities

Workflow Capabilities

Capability	Tools	Description
open-banking-payments.yaml	5	Unified African open banking — payments, account data, and disbursements

Shared Definitions

Definition	Description
shared/stitch.yaml	Stitch GraphQL API consumed definition with 5 operations

Rules

Ruleset	Description
stitch-rules.yml	Spectral ruleset enforcing Stitch API conventions

JSON Schema

Schema	Description
stitch-payment-schema.json	Payment initiation request schema
stitch-bank-account-schema.json	Linked bank account schema

JSON Structure

Structure	Description
stitch-payment-structure.json	Payment initiation response structure

JSON-LD

Context	Description
stitch-context.jsonld	JSON-LD context mapping Stitch vocabulary to schema.org

Examples

Example	Description
stitch-initiate-payment-example.json	Initiate a ZAR 250 Pay By Bank payment

Vocabulary

Vocabulary	Description
stitch-vocabulary.yml	Domain vocabulary for African open banking and payments

GitHub Organization

• github.com/stitch-money — GraphQL tooling, financial message parsers, and integration examples

Common Properties

• Website
• Documentation
• GitHub Organization
• Sign Up
• Status

Maintainers

FN: Kin Lane

Email: kin@apievangelist.com