Yoco
Retail POS systems
POS software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free TrialFree version
Small
Medium
Large
- Accommodation and food services
- Retail and wholesale
- Agriculture, fishing, and forestry
What is Yoco
Yoco is a payments and point-of-sale platform for small and medium-sized merchants, with card-present acceptance via mobile and countertop card readers and supporting POS software. It is used by retail stores, quick-service food businesses, and service providers that need in-person checkout and basic business management tools. The product combines payment processing with hardware, a merchant app, and optional value-added tools such as invoicing and online payment links, depending on market availability. Yoco primarily serves merchants in South Africa and adjacent markets where its acquiring and settlement services are offered.
Integrated payments and POS
Yoco bundles card acceptance, settlement, and POS functionality under one provider, which reduces the need to integrate a separate payment gateway with POS software. This can simplify onboarding for small merchants that want a single contract and support channel. The tight coupling between hardware and payments also reduces configuration effort compared with POS tools that require third-party processors.
Purpose-built merchant hardware
Yoco provides dedicated card readers and countertop devices designed for in-store checkout. This supports tap, chip, and swipe workflows and typically enables faster deployment than assembling compatible third-party hardware. Hardware-led deployment is useful for merchants that prioritize reliable in-person payments over complex back-office features.
SMB-friendly operational tools
Beyond taking payments, Yoco includes merchant-facing tools such as transaction reporting and day-to-day sales management, with additional features (for example, invoicing or payment links) depending on the plan. These capabilities cover common needs for micro and small businesses without requiring a full retail suite. For many single-location merchants, the feature set is sufficient to run checkout and basic tracking.
Geographic availability constraints
Yoco’s acquiring, settlement, and supported features are tied to the countries where it operates. Businesses outside its supported regions may not be able to sign up or may face limitations in payout, compliance, or support. This can be a blocker for multi-country retailers that want one POS standard across markets.
Less suited to complex retail
Compared with enterprise retail platforms, Yoco is typically lighter on advanced capabilities such as sophisticated inventory planning, complex promotions, deep role-based controls, and multi-store merchandising. Larger retailers may outgrow the reporting and operational depth needed for centralized management. Businesses with complex catalog, pricing, or fulfillment requirements may need additional systems.
Processor lock-in risk
Because payments and POS are closely coupled, switching payment providers can be harder than with POS software that supports multiple processors. This can affect long-term flexibility on pricing, settlement terms, or supported payment methods. Merchants should evaluate contract terms, device portability, and data export options before standardizing.
Plan & Pricing
Pricing model: Pay-as-you-go (transaction fees) + optional device one‑off purchases and an optional paid subscription (Accelerate).
Transaction fees (ex. VAT, from Yoco pricing page):
- Card machines — Local bank cards:
- R0–R100,000: 2.70%
- R100,000–R200,000: 2.50%
- R200,000+: Custom (enterprise/custom rates)
- Card machines — Online / International / AMEX (examples shown on pricing page):
- Online local bank cards: R0–R100,000: 3.20%; R100,000–R200,000: 2.75%; R200,000+: Custom.
- AMEX (example): R0–R100,000: 3.40%; R100,000–R200,000: 3.00%; R200,000+: Custom.
- Yoco EFT (example): R0–R100,000: 2.95%; R100,000–R200,000: 2.55%; R200,000+: Custom.
Connectivity & payout fees:
- Connectivity fee: R49/month per stand‑alone card machine (charged only in months you use the device). (pricing page / FAQs)
- Daily payout fee: R2.50 applies in certain cases (applies only if you use online payments exclusively and/or if you use a Yoco Go device exclusively). (pricing page)
- Instant Payout fee: 1% of amount requested (ex. VAT); minimum fee R17.25 (Instant Payout page).
Devices / one‑off hardware costs (listed on official Yoco shop/pricing):
- Khumo — once‑off R699 (+ R49/month connectivity when used).
- Khumo Print — once‑off R1,499 (+ R49/month connectivity when used).
- Neo Touch — once‑off R999 (+ R49/month connectivity when used).
- Yoco Counter (all‑in‑one POS tablet + Neo Touch) — once‑off R4,999 (+ R49/month connectivity when used). (Prices shown on Yoco product/shop and pricing pages.)
Optional subscription:
- Accelerate Plan: monthly subscription R499 (incl. VAT). First month free when you upgrade; subscription benefits include next‑day payouts, device connectivity for all Yoco devices, and integrations. (Help Centre article)
Free tools / free tier:
- Yoco Point of Sale app / core POS software is offered free and included with devices ("free POS software" / "tools you don't pay for" on pricing/product pages).
Discounts / custom pricing:
- Merchants transacting > R200,000/month are eligible for custom/enterprise rates and device discounts (contact sales).
Notes / billing basis:
- All transaction fees quoted on site are exclusive of VAT unless stated otherwise. Yoco states no lock‑in contracts; many fees are only charged in months the device is used.
Seller details
Yoco Technologies (Pty) Ltd
Cape Town, South Africa
2013
Private
https://www.yoco.com/
https://x.com/yoco_za
https://www.linkedin.com/company/yoco/
