Yoco
Yoco: Yoco pairs card acceptance with sales and basic business management tools. Ranked #22 of 24 in Mobile Credit Card Processing Software by our editors (7.0/10); pricing: Free plan; best for south African small merchants taking contactless payments.
At a glance
- Editor score7.0 / 10
- PricingFree plan
- Best forSouth African small merchants taking contactless payments
- Free planYes
- Card reader availableYes
- Founded2013
- Facts checked24 Sep 2026
Where it wins
- Accepts cards and digital wallets via Tap to Pay on iPhone
- Supports card-machine payments, refunds and payment links
- Includes sales reports, stock, product and staff management
Where it doesn't
- Tap to Pay is listed for iPhone, not Android
- Offline payments are not supported
- In-person fees vary by plan, payment type and turnover
Our verdict on Yoco
Yoco combines in-person payment acceptance with point-of-sale and business management tools for South African merchants. It is aimed at independent businesses that want to take card payments through a Yoco card machine or Tap to Pay on iPhone, then review sales and handle day-to-day tasks in the Yoco App. The app is available on web, iOS and Android, while the listed Tap to Pay feature is specifically for iPhone. The mix suits small merchants who want payment acceptance alongside lightweight operational tools, rather than a payment-only setup.
The Core plan is free, while Plus and Pro are paid subscriptions. According to Yoco's pricing details, in-person local card fees on Core are 2.30% up to R50,000 monthly turnover, with lower rates at higher turnover; Plus and Pro rates vary by plan and turnover. Rates exclude VAT, and published subscription prices and transaction rates are stated in ZAR. The payment options include tap, chip and swipe cards, contactless Visa, Mastercard and American Express debit and credit cards, plus Apple Pay, Google Pay and Samsung Pay. Merchants comparing tiers should consider both the subscription and transaction rates for their plan and turnover.
Beyond payment acceptance, Yoco provides sales information, reports and business insights, along with product, stock and staff management. Merchants can issue refunds, send payment links and digital invoices, and manage Yoco POS pricing, product names and staff PIN codes. These features make it a reasonable fit for merchants who value having sales administration near their payment workflow. It is less suitable for businesses that need offline payment acceptance or Tap to Pay on Android. South African small merchants seeking contactless payments plus basic operational tools are the clearest match; those with different mobile platform needs or offline requirements should look elsewhere.
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Yoco pricing
Yoco fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Card reader available | Yes |
| Tap to Pay | Yes |
| Offline payments | No |
| Mobile platforms | Both |
| In-person fee | In-person local card fees: Core 2.30% up to R50,000 monthly turnover, then lower rates by turnover; Plus/Pro rates vary by plan and turnover. Rates exclude VAT. |
| Payment methods | Tap, chip and swipe cards; contactless Visa, Mastercard and American Express debit and credit cards; Apple Pay, Google Pay and Samsung Pay. |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Support | Live chat, Docs · 24/7 |
| Built for | Solo, Small business, Mid-market (editorial estimate) |
| Pricing | Free plan (source) |
| Website | yoco.com |
| Facts checked | 24 Sep 2026 |
Alternatives to Yoco
- Stripe TerminalA flexible mobile payment stack for businesses building custom in-person checkout.9.3
- Clover GoA mobile POS for flexible card acceptance, order management, and recurring payments.9.1
- AdyenA broad mobile and online payments platform priced per transaction, without a free plan.8.9
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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