Pay By Bank
Pay By Bank is a unified product for accepting payments directly from a customer's bank account. It encompasses several underlying payment methods - including Capitec Pay, Absa Pay, and PayShap Request (RTP) - all accessed through a single API integration built around the payment request.
Creating a payment request generates a unique redirect URL. When you redirect a user to this URL, Stitch handles secure authentication, bank selection, multifactor initiation, and any other related payment interactions with the user on your behalf. Once the user completes the payment in this Stitch-hosted UI, they are redirected back to your application.
Pay By Bank can be used to build checkout flows, peer-to-peer payments, e-wallets, investment products and more.
How It Works
A single mutation powers all Pay By Bank methods. By default, when enabled on your client, Capitec Pay, Absa Pay, and RTP are automatically presented to users - No additional integration work is needed. The Stitch-hosted UI determines the best available method for each bank and presents it to the payer.
The shared integration process covers creating payment requests, handling callbacks, checking statuses, subscribing to webhooks, and processing refunds. Method-specific configuration (verified flows, optional fields, disabling a method, or restricting to a single bank) also exist as optional overrides as required.
Payment Methods
| Method | How the Payer Pays | Default Behaviour |
|---|---|---|
| Capitec Pay | Enters mobile or ID number, approves in Capitec app | Shown automatically when Capitec Pay is enabled on your client |
| Absa Pay | Enters account number, approves in Absa app | Shown automatically when Absa Pay is enabled on your client |
| PayShap Request (RTP) | Enters account or mobile number, approves in banking app | Replaces the standard Pay By Bank flow for enabled banks when amount is within limits |
Capitec Pay
Capitec Pay allows Capitec users to authorize payments via their mobile number or ID number, approving in the Capitec app instead of logging in to online banking. It supports both once-off payments and Variable Recurring Payments (VRP) for merchant-initiated recurring charges.
Absa Pay
Absa Pay allows Absa users to authorize payments via their account number, approving in the Absa app instead of logging in to online banking.
PayShap Request (RTP)
PayShap Request (Request to Pay) provides a faster payment experience at participating banks. When enabled, it replaces the standard Pay By Bank flow for that bank if the payment amount is within the bank's limit (see below table for limits applicable). If the amount exceeds the limit, the standard flow is used as a fallback.
| Bank | RTP Maximum (ZAR) |
|---|---|
| Absa | 3,000 |
| African Bank | 3,000 |
| Capitec | 500 |
| Discovery Bank | 50,000 |
| FNB | 10,000 |
| Investec | 3,000 |
| Nedbank | 50,000 |
| Standard Bank | 3,000 |