Head-to-Head Specification Audit
Luno vs Stitch Money
Businesses Accepting Crypto Payments · South Africa
Specification Matrix
| Metric | Luno | Stitch Money |
|---|---|---|
| Starting Price | $0/mo | Custom pricing |
| API Rate Limit | 100 req/minTie | 100 req/minTie |
| Target Country | South Africa | South Africa |
| Category | Cryptocurrency Exchange | Open Banking |
| Compliance (vendor-stated) | FSCA, FICA, POPIA | POPIA, PCI-DSS |
| Hosting Regions | ZA, EU | AF-South |
| Native Integrations | 2 listed | 6 listedBetter |
Luno — Key Specs
Vendor-stated- ✓FSCA-registered in South Africa
- ✓ZAR on/off ramp
- ✓API for business accounts
- ✓Supports BTC ETH XRP USDC
- ✓Trusted by 10M+ users in SA
Stitch Money — Key Specs
Vendor-stated- ✓South Africa's leading open banking API — Plaid equivalent for SA
- ✓Instant EFT, account verification, income verification
- ✓Lists POPIA compliance framework — SA data residency only (vendor-stated)
- ✓Used by Lula, Zoona, LifeCheq for credit scoring
Frequently Asked Questions
Which is lower-priced, Luno or Stitch Money?+
Stitch Money uses custom pricing. Luno starts at Free plan available. Contact Stitch Money directly for a quote.
Which compliance frameworks do Luno and Stitch Money list?+
Both list POPIA in their vendor documentation. Luno additionally lists FSCA, FICA. Stitch Money additionally lists PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Luno or Stitch Money list POPIA as a supported compliance framework?+
Luno lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Stitch Money lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information.
Which has a higher documented API rate limit — Luno or Stitch Money?+
Both Luno and Stitch Money have the same documented API rate limit of 100 requests per minute. Verify current limits on each vendor's developer documentation.
Which data hosting regions do Luno and Stitch Money support?+
Luno lists hosting regions: ZA, EU. Stitch Money lists hosting regions: AF-South. For data residency requirements in South Africa, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
Is this your tool?
Claim or upgrade your VektorIndex listing
Get a Verified badge, add your own specs, and appear at the top of comparison pages.