Yoco Payment Gateway

Mar 28, 2022


Yoco launched as a cost-friendly mobile card machine provider. In 2021 the company introduced their payment gateway to add to its range of card machines.

According to the company, the Yoco Payment Gateway is a solution for business owners looking to accept payments on their e-commerce websites.

The gateway works by adding the plugin to your online store and activating Yoco as a payment option.

The Yoco Payment Gateway also enables entrepreneurs to merge their online and card-present transactions. And offers fast, secure payouts and a straightforward pricing structure.

All Yoco customers have access to the payment gateway which can be activated from within the Yoco Business Portal. New customers can opt for online payments only when they sign up and can start transacting as soon as they’ve completed the integration process.

Main Features

Shopping cart integration – The payment gateway integrates with Shopify, WordPress/Woocommerce, Wix, Shopstar, Zoho. They have a SDK for custom-made websites.

Payment methods – Their payment gateway accepts all Visa and Mastercard cards, both local and international. You can also get paid online without a website with the Yoco payment link which can be shared with customers on WhatsApp, social media, email or SMS.

Dashboard – Yoco is well regarded for their App dashboard which allows business owners to run their business from their phones. The gateway is fully integrated with all of Yoco’s payment solutions and you can keep track of all sales captured in one place – from cash to card, EFT to mobile payments.

Subscriptions – This functionality is only available on WordPress/Woocommerce websites only at the moment.


Yoco only charges a transaction fee. Their credit card transaction fees are 2.95% ex VAT. EFT transaction fees are 1.2% ex VAT.

There are no setup fees, no monthly fees and no payout fees charged.

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  • No payout fees charged.

  • Simple and Affordable

  • Unified Sales Management

  • Wide E-commerce Platform Compatibility

  • Fast and Secure Payouts


  • Limited payment methods available.

  • Limited Functionality for Subscriptions


Yoco prioritizes security. All transactions are encrypted, adhering to industry standards like PCI DSS. They don’t store card details, and their machines are EMV and PCI-approved.

Yoco offers reliable customer support and a warranty on their machines. In case of malfunction, contact their support team for assistance.

Funds from swiped card transactions typically appear in your account within 1-2 business days. For online payments, the timeframe may vary depending on your bank’s processing speed.

Yoco provides dispute management tools to help you resolve customer disputes. Their support team can also offer guidance on handling these situations.

Currently, Yoco only processes transactions in South African Rand (ZAR).