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Yoco Online Payments
Yoco Payment Links: User Guide
Yoco Payment Links: User Guide
Updated over a week ago

Send a payment link from the Yoco App:

  1. Open your Yoco App.

  2. Select ‘Send’ from the navigation bar at the bottom.

  3. Select Payment Link.


4. Enter the customer’s name (this is for your personal records).

5. Enter the amount or select a product from your line items and click ‘Create link.’


6. Select Share via WhatsApp, Email, SMS, or Copy the link to paste it anywhere.

7. Share the link with your customer and select ‘Done’.

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Yay! That’s it!

Send a payment link from the Business Portal:

  1. Log in to your Business Portal

  2. Select Sell Online from the left on the menu bar, click on 'Payment Link'.

  3. On the Top right corner click on 'Send a Payment Link'.

  4. Enter your customer's (this is for your personal records) name and the amount and click 'Next'.

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5. Copy the Payment Link and share it with your customer via Email.

Yay! That’s it!

Troubleshooting Tips

What if my customer says the link is broken or their payment won’t go through?

Oh dear! There are several reasons why payments could fail. You could either try sending a new link, or keep reading to get more answers:

Transaction status messages (and what they mean):

  • Pending: This means the transaction hasn’t been made yet or is still being processed – it’s still too soon to tell whether it’ll be approved or not. If your customer says they’ve paid, but it’s ‘pending’ on your end, ask your customer to send through proof of payment so we can investigate what happened.

  • Aborted: This means that the transaction failed. There are many reasons why transactions could fail (see below).

  • Approved: This means that the transaction was successful, and should now be reflected in your Sales History.

Issues your customers could experience:

  • “The Payment Link is broken”: If your customer says they can’t open the link (for whatever reason), often the best way to address this is to create a new payment link from scratch, and try again. If that doesn’t work, try clicking on the link yourself to see if it works when you try it (which means the customer may be struggling with their own user issues), and if you also can’t access the link please contact Yoco Support immediately to report a fault — this should never happen.

  • “I can’t submit my card details”: If your customer says they’ve tried entering their details to pay, but can’t click on the ‘Submit’ button, it could mean they’ve entered their card details with spaces (in which case, make sure to go over all the details and delete any spaces or special characters), or they could be struggling with an unstable internet connection. Transactions must be processed using a stable internet or data connection for proper security — read more here. In these cases, the customer should try again with a stronger WiFi or data connection and processing speed.

  • “My transaction keeps being declined / says payment failed or aborted”: This can be a tough one to answer, because there are many reasons why a payment could get declined. Most times, it’s a problem on the customer’s side (either banking or user error) but here are some of the most common reasons why payments get declined:

  1. The customer made a mistake when entering their card details.

  2. The customer had an interrupted internet connection while processing their payment (read more here).

  3. The customer’s card isn’t one of those accepted by Yoco: can accept all MasterCard and Visa debit, credit cards and American Express. This includes international cards, swipe cards, chip and PIN, and SASSA cards. Issued from any bank. Unfortunately, we don't currently accept Fleet / RCS / Diners / Petrol cards. Get the full list here.

  4. The customer’s bank declined the transactions because:

    • Insufficient funds

    • Failure to do 3D Secure authentication

    • Bank does not do 3D Secure authentication

    • Bank does not allow the customer to do online payments

    • Challenges or downtime on the banking system side

  5. Our platform could be down (highly unlikely) in which case, you’ll have been notified via email as well as in-App or on-device pop-up messages.

    Read more about understanding failed transactions here.

Did this answer your question?