If you’re unsure, or have questions, we’re always here to help. Email us at [email protected] or reach out to Yoco Support via our in-app chat.

You can only start taking payments and getting paid out once you've signed up with Yoco and successfully completed your Yoco profile.

💡 Good to know: Yoco accepts payments from anywhere in the world, but all balances, fees, charges, and payments collected or paid through Yoco, are in South African Rand.

There are a few things you can't sell or do with Yoco. The Prohibited Businesses list is short, but it's important.

You can't use Yoco to:

Please note: The above list is a summary of our Prohibited Businesses. Please read the full list here (scroll down and select Prohibited Businesses).
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When you sign up with Yoco, you accept our Merchant Agreement. It's the foundation of our relationship – what you can expect from us, and what we expect from you.

You take on responsibilities like complying with certain rules and paying your fees. In return, you get access to Yoco's services and support. If you use a Yoco card machine, you'll also accept the relevant card machine policies.
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On our side, we commit to providing our services properly and lawfully, supporting your business, protecting your information, and keeping the entire payment ecosystem safe – backed by internationally accredited practices and a proactive in-house fraud team that takes this seriously.

When you sign up, you need to provide accurate details about yourself and your business, including any verification documents we ask for to complete your Yoco profile.

You also need to let our Support Team know immediately if:

Beyond that, here's what we ask of you:

You also give Yoco the authority to hold, receive, and pay out settlement funds on your behalf, and to deduct any amounts you owe Yoco from your payouts.

Your Yoco profile and the rights and obligations that come with it are yours – they can't be transferred or delegated to someone else.

Yoco's services rely on a combination of external networks, banks, and mobile systems. We do everything we reasonably can to keep things running reliably, but we can't guarantee there will never be interruptions or downtime. Our services are provided on an "as is" and "as available" basis.

Our card machine policies cover refunds and exchanges, warranty details, delivery rejections, and damages. There are also specific terms around the free SIM that comes with unlimited data for transacting on Yoco (certain card machines only).

You'll find the full policy here (scroll down to Yoco Device & SIM Card Policy)

Yoco may update the terms of its Agreement from time to time – as regulations and risk shift, we make sure our legal framework keeps up to protect our ecosystem. We also reserve the right to change our fees or introduce new ones.

If any changes don't work for you, you can cancel at any time and immediately, with no penalties or notice periods.

Your payout is the settlement amount we pay into your bank account – all valid transactions, minus Yoco's fees as set out in your pricing plan and fee schedule. You'll get a monthly invoice for all your payouts, and you can view or download them anytime in the Yoco App.

A chargeback is a transaction that has been lawfully disputed, reversed, or that we consider suspicious or unlawful. If this happens, we'll withhold the full chargeback amount, plus any associated costs, from your settlement funds (payout) until the dispute is resolved or the window for the dispute has closed.

Yoco takes financial crime seriously. To protect our merchants and the broader payment ecosystem, we may:

If we reasonably suspect fraudulent or criminal activity, we may also:

Any action taken through your account is legally considered to have been authorised by you. Please stay alert to phishing scams and other fraud – find out more here.
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You're never locked in with Yoco. You can cancel our agreement at any time by contacting our Support Team via in-app chat – no fees, no penalties, no notice period.

If you've signed up but never transacted, we'll delete your profile (and the information associated with it) so you can use the same email address and number if you sign up with us again in future.

If you've already transacted, we'll settle any outstanding amounts into your linked bank account. We won't be able to delete your profile as FICA regulations require us to keep it on record for at least five years, but it will remain inactive and we can turn off all Yoco communications. If you're no longer using your card machine, you'll need to remove it from your profile before selling or gifting it. Learn about transferring ownership of your Yoco device.

We may terminate our agreement immediately and without notice if:

Your Yoco card machine can only be used within South Africa. You can however accept online payments from customers abroad, as long as those transactions are processed from within South Africa, in South African Rand.

You'll find all our Terms & Conditions here.
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These include, but are not limited to:
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​Main

Main Yoco T&Cs

Merchant T&Cs

Payment Services T&Cs

POS (Point of Sale) T&Cs

Prohibited Businesses

Device Repayment Plan T&Cs

Yoco Devices

Yoco Device & SIM Policies

Privacy T&Cs

Privacy Policy

PAIA Manual

PAIA Guide (English)

PAIA Guide (isiZulu)

PAIA Form 2

PAIA Form 3

PAIA Form 5

Cookie Policy

Miscellaneous

Voucher T&Cs

Referral T&Cs

BNPL (Buy Now Pay Later) Services T&Cs

Website & App Terms of Use

API/SDK Terms of Use

Xero Integration T&Cs

Omnea T&Cs Summary

Omnea Service & Investment Terms and Conditions

Yoco Loyalty Channel Terms (for end users)

Yoco Loyalty Services T&Cs (for merchants)

Email us at [email protected] or reach out via our in-app chat.