Head-to-Head Specification Audit
SimplePay vs Stitch Money
South African SMEs · South Africa
Specification Matrix
| Metric | SimplePay | Stitch Money |
|---|---|---|
| Starting Price | $2/mo | Custom pricing |
| API Rate Limit | 100 req/minTie | 100 req/minTie |
| Target Country | South Africa | South Africa |
| Category | HR & Payroll | Open Banking |
| Compliance (vendor-stated) | POPIA, SARS-compliant | POPIA, PCI-DSS |
| Hosting Regions | ZA | AF-South |
| Native Integrations | 2 listed | 6 listedBetter |
SimplePay — Key Specs
Vendor-stated- ✓Cheapest PAYE-compliant payroll in SA
- ✓SARS eFiling automated
- ✓R2/employee/month pricing
- ✓Bulk payslip distribution
- ✓Cloud-based — no install needed
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, SimplePay or Stitch Money?+
Stitch Money uses custom pricing. SimplePay starts at $2/mo. Contact Stitch Money directly for a quote.
Which compliance frameworks do SimplePay and Stitch Money list?+
Both list POPIA in their vendor documentation. SimplePay additionally lists SARS-compliant. Stitch Money additionally lists PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does SimplePay or Stitch Money list POPIA as a supported compliance framework?+
SimplePay 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 — SimplePay or Stitch Money?+
Both SimplePay 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 SimplePay and Stitch Money support?+
SimplePay lists hosting regions: ZA. 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
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