It really is as simple as sending a link from your Yoco POS App or Business Portal. You’ll add an amount or select your products, and send your unique link via Email, SMS, DM, WhatsApp, any social media or online platform — pretty much anywhere. From the Portal, you can copy your link and paste it anywhere. You can send the link directly via SMS, email or WhatsApp straight from the Yoco POS App.
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Your customer clicks the link, and pays securely online, using either their card details, Instant EFT or Apple Pay, and 3DS authentication. You’ll get a payment notification. That’s it. Simple.

We use 3D Secure authentication for all our online payments — this means that your customer will receive a ‘One Time PIN’ from their bank as part of the payment process.

The entire Yoco ecosystem is internationally recognised and certified as secure by Visa, Mastercard, and EMVCo (the official certifiers of Tap, Chip and PIN card readers worldwide). We're also fully PCI compliant. We're proud of our sophisticated risk monitoring, to detect and deal with fraud.

You can track all your Payment Links, whether paid or unpaid, in your Yoco POS App or Business Portal. You get an email notification every time a customer pays, and you can see a detailed record of all payments on your Sales History. You can also send your customers reminders, or delete links if they're no longer needed.
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For online payments, our transaction fees range from 2.55% to 2.95% for Visa/Mastercard payments, and for international and AMEX cards it ranges between 3% and 3.4% - depending on your turnover and fees package. Online payments incur a minimum fee of R2.26 per transaction. Instant EFT has a fixed 2% (ex VAT) fee - with same day settlement.

The more you transact, the less you pay.

All online payments are linked to your Yoco Profile, and the bank account associated with it. The money will be paid out within 2 business days, as part of your usual payouts schedule.

With Yoco, your business can accept all MasterCard and Visa debit and credit cards. This includes international cards like American Express, swipe cards, chip and PIN, and SASSA cards, issued from any bank. You can also accept Samsung Google and Apple Pay Payments. Please note: All transactions have to be processed in South African Rands.
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Unfortunately, we don't currently accept Fleet / RCS / Diners / Petrol cards.

Absolutely! When your customer clicks on your unique link to pay, they’ll be able to choose to make payment using EFT or card. Instant EFT, gives online customers access to their internet banking to make an Electronic Funds Transfer that gets instantly verified. Instant EFT is integrated with major banks in South Africa enabling access for 95%+ of users.

Yes, Apple Pay is a secure and seamless online payment method with Yoco. Apple Pay is a popular digital wallet that enables your customers to make fast and secure payments, enhancing their shopping experience and increasing your conversion rates.