Stitch Pay Later lets your customers split larger purchases into manageable instalments at checkout, while you get paid upfront. Here's how to enable it.
Who can offer Pay Later
Stitch Pay Later is available to merchants in South Africa with an active Stitch account who have signed the Pay Later commercial agreement. If you're not sure whether your account is enabled, get in touch with your Stitch account manager.
How customers see it
Once enabled, your customers see "Pay Later" as a payment option at checkout alongside Pay by bank or Card. Depending on what they qualify for and the size of the basket, they're offered Split (interest-free, 2-6 instalments) or Extend (longer term, fair financing).
Integration paths
- E-commerce platforms. If you're on Shopify or WooCommerce, install the Stitch app for your platform and enable Pay Later in the settings. See Getting started with Stitch Express for Shopify and WooCommerce.
-
API integration. If you're integrating directly via the Stitch API, pass
PAY_LATERas an accepted payment method when creating a payment intent. See the developer docs for the full request shape. - Hosted checkout. If you're using a Stitch-hosted payment link or page, Pay Later is offered automatically to eligible customers once your account is enabled.
What you'll need
- An active Stitch merchant account.
- A signed Pay Later commercial agreement.
- Your business KYC complete (CIPC docs, bank confirmation, beneficial owners).
Time to go live
Once the agreement is signed and your integration is in place, Pay Later usually goes live within a few business days. Your account manager will confirm the exact go-live date.
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