Split your purchase into flexible monthly instalments when you shop online at thousands of South African stores, with Stitch Pay Later. Full transparency. No surprises.
Payment freedom
When you check out with Stitch Pay Later, you choose the number of instalments. Your payment schedule is shown in full before you commit, so you always know exactly what you’re paying and when.
Create your account
Browse and add to your cart at any store that offers Stitch Pay Later.
Select Stitch at checkout. We’ll do a quick credit check and approve your purchase.
Choose to pay over 2–6 instalments — depending on your credit score.
Each monthly instalment will collect automatically. No hidden fees. No surprises.
Depending on the store, your purchase may be split interest-free or paid over time with fair, transparent rates. Either way, there are no hidden fees and no surprises.
Your options
At thousands of your favourite stores, split your purchase into monthly payments over 2–6 instalments. The checkout price is the price you pay.
Access an even higher available spend limit and more of your favourite stores, with flexible financing through Extend. Rates are fair and transparent: you’ll see the full cost of every payment before you commit.
Your cart. Your call.
Transparent schedules, control over your instalments, responsible approvals, and thousands of stores — here’s why Stitch Pay Later works the way it should.
Where to pay with Stitch
Earn rewards by paying with Stitch across all your favourite brands — from retail, to groceries, to travel, electronics, healthcare, mobile data and more. See everywhere you can pay with Stitch when you create a free account.
Security + Privacy
Built secure
Stitch is a licensed payment provider in South Africa, and PCI DSS Level 1 certified. All your transactions are secured with advanced fraud prevention, and your data is locked up safe. Guaranteed.
Stitch Pay Later lets you buy now and pay in monthly instalments at participating South African online stores. Depending on the store, you’ll pay with Split or Extend. You see your full repayment plan before you commit.
Split lets you pay for your purchase in 2 to 6 monthly instalments, with no interest or fees when you pay on time. Extend is a credit agreement with Stitch Services, a registered credit provider (NCRCP-23522). With Extend, you pay a once-off initiation fee at checkout, plus interest and a monthly service fee, and you see the full cost in your quote before you agree. You don’t choose between them: each store decides whether it offers Split or Extend.
You can use Stitch Pay Later at participating online stores across fashion, beauty, electronics, homeware, groceries and more. Look for Stitch Pay Later at checkout, or create a free Stitch account to see every store where you can pay.
You need to be 18 or older, with a South African ID and a bank account in your name, and you can’t be under debt review. For Split, you also need a debit or credit card in your name. Choose Stitch Pay Later at checkout, verify your identity and Stitch will run a credit and affordability check. Each purchase is assessed separately, so being approved once doesn’t guarantee you’ll be approved next time.
Split has no interest, service fees or account fees when you pay on time. If you miss an instalment, a late fee may apply. Extend has a once-off initiation fee paid at checkout, plus interest and a monthly service fee. Some Extend purchases also need a deposit towards the purchase price. Every cost is shown in your quote before you agree, and your quote is valid for 5 business days. Your bank may also charge its own fees on debit orders.
Your instalments are collected automatically from your linked card or bank account on the dates in your repayment plan, so make sure you have enough money available on each due date. If a due date falls on a Sunday or public holiday, the payment may be collected on the next processing day.
Make life happen
with payments on your terms
