Your customers pay later. You get paid in full today.
Offer customers the flexibility to pay over 2–6 instalments and watch conversion climb. You're fully settled within 24 hours, while Stitch handles the rest.
In good companyBusinesses using Stitch Pay Later
From global icons to South Africa's fastest-growing retailers, leading brands already offer Stitch Pay Later at checkout, online and in store.
Two ways to Pay LaterSplit or Extend
Depending on your business, a customer's purchase can be split interest-free or paid over time with fair, transparent rates. Either way, there are no hidden fees and no surprises.
Split
Zero interest. Zero fees.Customers split a purchase into equal monthly payments over 2–6 instalments. The checkout price is the price they pay, nothing added.
- Quick KYC approval at checkout
- No sign-up fees or hidden charges
- Choose how many months to pay over
- 0% interest, always
Extend
Fair rates. Full control.Customers get a higher available spend limit and access to more of their favourite stores through flexible financing. Rates are fair and transparent, with the full cost shown before the customer commits.
- No upfront payment, start in 1 month
- Fair, transparent rates
- Full cost shown upfront before they agree
- Choose how many months to pay over
- No hidden charges
Why use Stitch Pay Later?Speed, flexibility, and growth
With Stitch Pay Later, businesses let customers split purchases into 2–6 instalments, while you get settled in full within 24 hours.
Boost average order value
Merchants offering Pay Later see higher basket sizes and fewer abandoned carts. When customers aren't required to pay the full amount upfront, more of them complete checkout.
Get paid in full, within 24 hours
You receive the full order value (minus fees) when a customer confirms their Pay Later purchase. No waiting on monthly instalments or chasing repayments.
Zero credit risk on your side
Stitch takes on the credit risk, runs affordability checks, manages instalment collections and sends repayment reminders, with full visibility for enterprise businesses.
Offer it online or in person
Enterprise businesses can offer Stitch Pay Later online or as an alternative payment method at POS. One method for every channel your customers shop.
Flexible instalments, seamless checkout
Once a customer is approved, Pay Later is a one-tap method at every checkout, while you stay settled and risk-free.
Customer selects Pay Later at checkout
Stitch Pay Later appears alongside your other payment methods, online or at POS.
They complete a quick KYC and affordability check
Customers are approved for a spend limit before their first purchase. Future purchases are fast and frictionless.
They choose a 2–6 instalment schedule
Customers pick the plan that suits them, depending on their credit score. No hidden fees.
You receive the full order value, within 24 hours
Settled in full, minus fees, with no waiting on instalments and no collections admin.
Stitch manages every repayment
We collect the remaining instalments and handle reminders, so your team never chases a payment.
For enterpriseBuilt for enterprise scale
Integrate Stitch Pay Later alongside your other payment methods through a single checkout integration, and track every transaction in your Stitch dashboard.
- One API, no separate Pay Later integration to maintain
- Configure availability by product category, order value or customer segment
- Standardised reporting across all payment methods
For Stitch ExpressSimple setup for growing merchants
Already using Stitch Express? Enable Pay Later as a payment method directly from your dashboard and add the widget to your Shopify or WooCommerce store.
- Switch it on from your Express dashboard
- Drop-in widget for Shopify and WooCommerce
- No technical lift, live in minutes
ISO 27001 + PCI DSS Level 1 certified
Stitch meets the highest possible global standards of data security and protection.
Our policies move through constant iteration and undergo rigorous testing in order to ensure that we proactively mitigate any potential threats to Stitch payment and client data.
From the brands using itWhat merchants say about Stitch Pay Later
Since adding Stitch Pay Later at checkout, our conversion rate is up 10%. More shoppers complete their purchase when they can split the cost.
LEGO Certified StoreBy partnering with Stitch's Pay Later feature, we make it easier for our customers to invest in their homes. It removes the barrier to investing in practical, well-designed storage furniture early on, allowing people to bring home a piece that will grow with them over time, without having to compromise on quality.
PopstruktStitch Pay Later has evolved how customers shop with us, especially during peak periods when demand for our heritage and national team pieces spikes. Giving customers the option to split payments into interest-free instalments has taken the hesitation out of higher-ticket purchases, and we've noticed baskets increasing in size as a result. Customers are more comfortable adding a jersey and a cap instead of just one item.
Pay Later, answered
How do I get started offering Stitch Pay Later?+
Enterprise businesses integrate Pay Later via the Stitch API alongside their existing payments stack. Stitch Express merchants can enable it directly from their dashboard. Contact sales and we'll get you set up.
How and when do I get paid as the merchant?+
You receive the full order value, minus fees, settled within 24 hours of a customer confirming their Pay Later purchase, with no waiting on monthly instalments.
Who carries the credit risk?+
Stitch does. We run affordability checks, approve customer spend limits, manage instalment collections and send repayment reminders. You're settled in full regardless of how the customer repays.
What instalment plans are available?+
Customers can split a purchase into 2–6 monthly instalments, depending on their credit score. There are no hidden fees for the customer.
Does Pay Later work with my other payment methods?+
Yes. Pay Later sits alongside your other Stitch payment methods through a single integration, and every transaction is tracked in your Stitch dashboard with standardised reporting.
Can I offer Pay Later in person as well as online?+
Enterprise businesses can offer Stitch Pay Later online and as an alternative payment method at POS, for a consistent checkout across every channel.
Add Pay Later to your checkout.
Lift average order value and conversion, with zero credit risk and no collections admin.