What is a Manual EFT?
Any payment made directly from your bank account, through your internet banking portal/mobile app, is known as a Manual EFT or direct deposit. This payment is made outside of the Stitch flow and directly paid to a beneficiary account that's been saved in your online banking portal, which in most cases is the account of the merchant you're looking to pay into.
Except otherwise stated with clear and detailed instructions from the merchant, please do not make direct deposit payments from the banking app/internet portal. Instead, always use the merchant's website/app or follow the instructions to make a manual EFT using a payment reference. If you have already made a payment as a direct deposit, please contact the merchant regarding your funds.