Yoco Integration
South Africa's fastest-growing payment solution. Accept Visa, Mastercard, Apple Pay, and Instant EFT with a seamless, modern checkout experience.
What is Yoco?
Yoco is South Africa's leading financial technology platform, empowering over 200,000 small businesses to accept payments and manage their finances. Founded in 2015, Yoco has processed payments from over 29 million customers, making it one of the most trusted payment brands in South Africa.
Unlike traditional banks, Yoco offers a complete ecosystem—from card machines to online payment gateways—designed specifically for South African entrepreneurs. Their online payment solution provides a modern, frictionless checkout experience that converts better and keeps customers coming back.
How Yoco Integration Works
Understanding the flow from customer checkout to money in your bank account
Customer Checkout
Customer adds products to cart and clicks "Pay Now" on your website. Yoco loads a secure payment popup or redirects to the payment page.
Token Generation
Customer enters card details on Yoco's secure form. A one-time token is generated on the frontend—card data never touches your server.
API Charge
Your server sends the token to Yoco's API to charge the card. Yoco processes the payment with 3D Secure authentication in real-time.
Confirmation
Yoco sends a webhook notification to your server confirming payment. Order is marked complete and customer sees success message.
Technical Integration Flow
Yoco uses a modern tokenization approach. The customer's card details are entered into Yoco's secure iframe or popup, which generates a one-time token. Your server only handles this token, never seeing the actual card number. This dramatically reduces your PCI compliance scope while maintaining full security.
Why Choose Yoco?
Bank-Grade Security
PCI DSS compliant with advanced encryption. 3D Secure authentication and real-time fraud monitoring protect every transaction.
- Tokenization (no card data stored)
- 3D Secure 2.0 ready
- Real-time fraud detection
Instant EFT
Customers pay directly from their bank account with immediate confirmation. Lower fees than cards and no chargeback risk.
- All major SA banks supported
- Only 2% transaction fee
- No chargebacks
Digital Wallets
Accept Apple Pay and Google Pay for lightning-fast mobile checkout. One-tap payments increase conversion rates significantly.
- Apple Pay support
- Google Pay ready
- Biometric authentication
Same-Day Payouts
Get your money fast with Yoco Instant Payouts (if eligible). Standard payouts within 1-2 business days to your SA bank account.
- Instant payout option
- Automatic settlements
- Real-time transaction tracking
Volume-Based Pricing
The more you sell, the less you pay. Rates drop automatically as your volume increases—no negotiation needed.
- Start at 2.95% (ex VAT)
- Drop to 2.6% at R80K/month
- Custom rates at R100K+
Easy Integration
Ready-made plugins for WooCommerce, Shopify, and custom API for bespoke solutions. Get started in under 30 minutes.
- WooCommerce plugin
- Shopify integration
- RESTful API & SDKs
How We Integrate Yoco
Choose the integration method that best suits your business needs
Hosted Payment Page
Customer is redirected to Yoco's secure hosted checkout page. Simplest implementation with maximum security—no PCI compliance needed on your end.
Pop-up / Inline
Yoco loads a secure payment form directly on your website via JavaScript SDK. Customer never leaves your site—better conversion rates and branded experience.
Supported Platforms & Plugins
Yoco Fees
No monthly fees, no setup costs. Pay only when you get paid. Volume discounts apply automatically.
South African Cards
Accept all local credit and debit cards issued by South African banks. 3D Secure authentication included at no extra cost.
- No monthly fees
- Volume discounts
- Same-day payouts available
International Cards
Accept payments from international customers. Supports all major global card issuers with automatic currency conversion.
- Multi-currency support
- Automatic ZAR conversion
- Fraud screening included
Instant EFT
Customers pay directly from their bank account with immediate confirmation. Lower risk, lower fees, no chargeback hassle.
- All major SA banks
- Immediate clearance
- Zero chargeback risk
Volume Discount Tiers
No setup fees, no monthly fees, no hidden costs. Funds settle to your South African bank account within 1-2 business days.
Yoco FAQ
Start Accepting Yoco Today
We'll integrate Yoco into your website, configure all payment methods, and ensure your checkout process is optimized for maximum conversions.