Every financial product depends on reliable transaction processing. Stitch's payment switch software provides a unified, scalable engine for routing, authorizing, and settling transactions across multiple payment channels and methods. A payment switch sits at the center of your payment infrastructure, directing each transaction to the right processor, network, or destination based on configurable rules. Stitch's transaction processing platform handles card transactions, bank transfers, wallet payments, and cross-border payments through a single integration, eliminating the need to maintain separate processing relationships for each payment type. Capabilities include multi-channel routing (intelligent routing across card networks, bank rails, wallet systems, and alternative payment methods), authorization and authentication (real-time processing with 3D Secure, PIN verification, and biometric support), real-time settlement (configurable schedules with gross, net, and multi-currency settlement), fraud detection (rule-based and behavioral detection with velocity checks and anomaly detection), reconciliation (automated across processors, networks, and settlement accounts), and reporting (real-time APIs and dashboards for volumes, approval rates, and processing costs). A payment gateway captures payment details from the customer. A payment switch routes transactions to the correct processor. A payment orchestrator manages multiple gateways and processors. Stitch functions as both a payment switch and orchestration layer.
Every financial product depends on reliable transaction processing. Stitch's payment switch software provides a unified, scalable engine for routing, authorizing, and settling transactions across multiple payment channels and methods. A payment switch sits at the center of your payment infrastructure, directing each transaction to the right processor, network, or destination based on configurable rules. Stitch's transaction processing platform handles card transactions, bank transfers, wallet payments, and cross-border payments through a single integration, eliminating the need to maintain separate processing relationships for each payment type. Capabilities include multi-channel routing (intelligent routing across card networks, bank rails, wallet systems, and alternative payment methods), authorization and authentication (real-time processing with 3D Secure, PIN verification, and biometric support), real-time settlement (configurable schedules with gross, net, and multi-currency settlement), fraud detection (rule-based and behavioral detection with velocity checks and anomaly detection), reconciliation (automated across processors, networks, and settlement accounts), and reporting (real-time APIs and dashboards for volumes, approval rates, and processing costs). A payment gateway captures payment details from the customer. A payment switch routes transactions to the correct processor. A payment orchestrator manages multiple gateways and processors. Stitch functions as both a payment switch and orchestration layer.
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