Stitch performs a soft eligibility check when you create your profile — this doesn't affect your credit score. You'll complete a quick selfie verification and your spending limit will be set based on your credit profile. No separate application or hard inquiry is required.

Stitch BNPL is always interest-free. You pay exactly what you see in your cart — split into equal monthly instalments.

There are no sign-up or admin fees. If a scheduled payment is missed, a late fee may apply — this is always displayed clearly before you confirm your order. Stitch will notify you before retrying any failed payment.

You choose to pay in 2–6 equal monthly instalments. The first instalment is paid at checkout; remaining instalments are charged automatically each month. You can view and manage all your plans in the Stitch BNPL dashboard.

Stitch BNPL is available on eligible orders above R100. Your approved spending limit is set when you first sign up at checkout.

Stitch will notify you via email and SMS if a payment fails, and will retry after a grace period. You can update your card details in the dashboard at any time. A late fee applies if the payment remains unresolved.

For any issues with your order, contact us first. If needed, Stitch BNPL support can pause your upcoming payments while the issue is being reviewed.