STITCH BNPL CUSTOMER TERMS AND CONDITIONS
Last updated: 7 November 2025
At-a-Glance Summary (What You're Agreeing To)
| Key term | What it means for you |
|---|---|
Who You Pay | When you buy from a Merchant, your purchase may be funded in one of two ways:
|
Repayments | Your instalments are automatically debited on the dates shown in your Repayment Plan. You authorise Stitch to collect the instalments from your linked card or bank account. |
Fees | Stitch does not charge you any interest, fees, or service charges for using the BNPL Service. |
If You Miss a Payment | If you miss a payment, a late fee and/or interest (up to 2% per month on overdue balances) may apply. |
Refunds | Refunds follow the Merchant's refund policy. Stitch may adjust your Repayment Plan once the Merchant confirms a refund with Stitch. |
Your Responsibilities | Keep your account and payment details safe. You must make all repayments through Stitch under your Repayment Plan, even if you have a dispute with the Merchant (for example, a dispute over the goods purchased from the Merchant). |
Credit Reporting | Stitch or the Merchant may check and share information about your payment history with credit bureaus. Late or missed payments can affect your credit record. |
Privacy | Stitch processes your personal information in line with its Privacy Policy. |
Law | Governed by South African law. |
Support Contact |
Full BNPL Terms and Conditions
| 1 | What These Terms Cover |
| 1.1 | These Buy Now Pay Later (“BNPL”) Terms and Conditions (“Terms”) explain how Stitch Money Proprietary Limited (“Stitch” or “we”) enables you (“you”, or “your”) to pay for goods or services purchased from approved merchants (“Merchants”) over time, using Stitch's BNPL services (“BNPL Service”). |
| 1.2 | Depending on the arrangement between Stitch and the Merchant, your purchase may be: |
| 1.2.1 | Stitch Funded: Stitch pays the Merchant upfront on your behalf, and you repay Stitch; or |
| 1.2.2 | Merchant Funded: The Merchant allows you to pay over time, and Stitch facilitates the collection of your instalments for the Merchant, |
| these Terms apply to both the Stitch Funded and Merchant Funded models. | |
| 1.3 | Depending on the model, either Stitch or the Merchant may be the “BNPL Provider”. Meaning, if your purchase is Stitch Funded, Stitch will be the BNPL Provider. Similarly, if your purchase is Merchant Funded, the Merchant will be the BNPL Provider. |
| 1.4 | Your purchase contract for the goods or services remains with the Merchant. Your payment and repayment obligations are to the BNPL Provider. |
| 2 | Eligibility |
| 2.1 | To use the BNPL Service, you confirm that: |
| 2.1.1 | you are at least 18 years old and a South African resident; |
| 2.1.2 | you are not under debt review, sequestration, or administration; |
| 2.1.3 | you have a valid South African bank account and debit or credit card in your name; and |
| 2.1.4 | all information you provide to Stitch and the Merchant is true, complete and accurate. |
| 2.2 | Stitch may conduct affordability and credit assessments as required by law. You may be asked to provide supporting documents or allow Stitch to access affordability data. |
| 3 | How the BNPL Service Works |
| 3.1 | When you choose to use the BNPL Service at checkout, Stitch will assess your application for affordability and creditworthiness. |
| 3.2 | If Stitch approves your application: |
| 3.2.1 | you will receive a repayment plan through the Stitch app or portal, or by email showing the instalment amounts and due dates (a "Repayment Plan"); and |
| 3.2.2 | you will owe Stitch or the Merchant, depending on whether your purchase was Stitch Funded or Merchant Funded. |
| 3.3 | Stitch may approve or decline each of your applications at its discretion, even if you've used the BNPL Service before. |
| 3.4 | You authorise Stitch to collect the instalments from your linked card or bank account on the due dates and in line with your Repayment Plan. |
| 3.5 | Stitch will either: |
| 3.5.1 | collect and retain your instalments (if Stitch Funded), or |
| 3.5.2 | collect and transfer your instalments to the Merchant (if Merchant Funded). |
| 3.6 | You may terminate your use of the BNPL Service at any time by paying any outstanding instalments. |
| 4 | Your Repayments |
| 4.1 | You must ensure enough funds are available for Stitch to collect each instalment on its due date. |
| 4.2 | If collection fails, Stitch may reattempt collection or contact you to arrange settlement. |
| 4.3 | If you miss an instalment it remains due and owing to the BNPL Provider, and the BNPL Provider (acting through Stitch, where applicable) may, as a result of your default, also: |
| 4.3.1 | charge a late fee; |
| 4.3.2 | charge interest (at a rate of 2% per month, which will (i) start from the 31st day after the due date; (ii) be calculated daily; (iii) and charged once a month on the amount you still owe. Interest will not be compounded, and we will never charge more than the legal maximum allowed under Section 103(5) of the National Credit Act); and/or |
| 4.3.3 | accelerate future instalments. |
| 4.4 | If the BNPL Provider charges a late fee or interest, it will create an incidental credit agreement as defined in the National Credit Act, and the BNPL Provider will comply with all applicable requirements. |
| 4.5 | Stitch does not impose any interest, service fees, account fees, or other charges for the normal use of the BNPL Service. The BNPL Service is free of charge when instalments are paid on time. |
| 4.6 | Any late fees or incidental interest arise only if you default on a payment, and are applied strictly in line with the National Credit Act's incidental credit provisions. This means the BNPL Service itself is not a credit agreement and Stitch is not acting as a registered credit provider in respect of the BNPL Service. |
| 4.7 | If an incidental credit agreement arises, you may lodge complaints with the National Credit Regulator (NCR) or approach the National Consumer Tribunal. |
| 4.8 | You must continue to pay all instalments even if goods or services are returned, defective or disputed, unless the Merchant approves a refund and confirms this with Stitch. |
| 5 | Returns and Refunds |
| 5.1 | Returns and refunds must follow the Merchant's return and refund policy. |
| 5.2 | Once the Merchant confirms an approved refund with Stitch, Stitch will: |
| 5.2.1 | pay the refund to you via your original payment method; and |
| 5.2.2 | adjust your Repayment Plan to reflect the refund. |
| 5.3 | If the Merchant refunds you directly (for example, in cash or store credit), you remain responsible for repaying the BNPL Provider until the Merchant confirms the refund with Stitch, or Stitch confirms otherwise. |
| 6 | Your Responsibilities |
| You agree to: | |
| 6.1 | keep your account and payment details secure; |
| 6.2 | notify Stitch immediately if you suspect unauthorised use or fraudulent activity; |
| 6.3 | use the BNPL Service only for lawful purchases; |
| 6.4 | pay all instalments through Stitch, even if you have a dispute with a Merchant; and |
| 6.5 | pay any bank fees or charges arising from your instalments and use of the BNPL Service. |
| 7 | Credit Checks and Privacy |
| 7.1 | You consent to Stitch and/or the Merchant performing credit and affordability checks when you apply to use the BNPL Service, and at any time thereafter. |
| 7.2 | Stitch and/or the Merchant may share your credit information and payment history with registered credit bureaus. |
| 7.3 | Stitch may collect and process your personal information in line with its Privacy Policy and the Protection of Personal Information Act (POPIA). |
| 8 | Default and Collections |
| 8.1 | If you miss payments or instalments, the BNPL Provider may: |
| 8.1.1 | send you a notice and, if unresolved, start legal proceedings; |
| 8.1.2 | report your default to credit bureaus; and/or |
| 8.1.3 | recover legal and collection costs from you. |
| 8.2 | A certificate signed by Stitch or the Merchant showing the amount owed will be sufficient proof of debt, unless you prove otherwise. |
| 8.3 | Your registered email address or account contact details will serve as your chosen address (domicilium) for notices or legal documents. |
| 9 | Communications |
| 9.1 | Stitch may contact you by email, SMS, in-app message or through the Merchant (at its discretion) regarding payments or account matters. |
| 9.2 | You may opt out of marketing communications at any time by following the unsubscribe instructions or contacting Stitch. Communications related to payments or your account cannot be opted out of. |
| 10 | Limitation of Liability |
| 10.1 | In the Merchant Funded model, Stitch acts only as a payment facilitator and is not responsible for credit granted by the Merchant. |
| 10.2 | You acknowledge that Stitch is not responsible for: |
| 10.2.1 | any loss arising from goods or services provided by the Merchant; |
| 10.2.2 | any unauthorised use of your account; or |
| 10.2.3 | any losses you may incur related to the BNPL Service. |
| 10.3 | Nothing in these Terms limits your rights under the Consumer Protection Act or National Credit Act, where applicable. |
| 11 | Updates to These Terms |
| Stitch may update these Terms from time to time. You will be notified of material updates and must accept the new Terms before using the BNPL Service again. | |
| 12 | Governing Law |
| These Terms are governed by and interpreted in accordance with the laws of the Republic of South Africa. | |
| 13 | Stitch Contact Details |
| 13.1 | Email: bnpl@stitch.money |
| 13.2 | Website: https://stitch.money/ |
| 14 | Acceptance |
| By selecting "Agree & Continue", you confirm that: | |
| 14.1 | you have read and understood these Terms; |
| 14.2 | you are authorised to enter into these Terms and each Repayment Plan; |
| 14.3 | you understand that these Terms govern each Repayment Plan; and |
| 14.4 | you agree to be bound by these Terms and each Repayment Plan. |