Yoco Gateway is a secure e-commerce payment solution that lets you accept Visa, Mastercard, Apple Pay, Google Pay, and other payment methods on your website. It’s compatible with Shopify, Shopstar, Wix, WooCommerce, and custom platforms, ensuring a smooth checkout experience for your customers.
Yoco Gateway is simple to set up, and makes excellent business sense.
✔️ Ensures fast, secure transactions.
✔️ Delivers a smooth checkout experience.
✔️ Reduces the losses related to late payments.
✔️ Protects you from fraud, expired cards, insufficient funds, and more.
PLUS: It delivers a checkout experience that’s fast, easy for your customers to navigate, and matches the quality of your brand.
How Yoco Gateway works
When a customer pays on your website, Yoco Gateway securely handles the payment in the background using an API to connect your website to Yoco. Card details are sent safely via this API to the customer’s bank, which approves or declines the payment depending on the available funds. And it all happens within seconds.
If you’re using WooCommerce, Wix, Shopstar, or a custom hosting platform, we provide API keys so that you can install the relevant payments plugin, and link it to your Yoco profile.
If you’re using Shopify as your hosting platform, they take care of the API keys in the background so that your website is automatically linked to your Yoco profile when you install the payments plugin.
👩💻 APIs and API keys
API: a way for different systems to ‘speak’ to each other. In the world of online payments, it’s how your website platform connects to Yoco so that payments can be completed.
API key: a secure code that proves the connection between your website and Yoco is allowed. It helps keep payments safe by making sure that only your website can send payment requests to Yoco.
💡 Good to know: We recommend buying a Yoco card machine so that you have sales in both your physical and online stores covered – and so that Yoco becomes your one-stop-shop for payments, reconciliation, and more. Don’t have a card machine? Click here to choose the right one for your business and we’ll have you up and running and accepting online payments on your website in next to no time!
Security
Yoco Gateway ensures safe, secure online transactions.
The entire Yoco ecosystem is internationally recognised and certified as secure by Visa and MasterCard.
Yoco is fully PCI compliant meaning that we meet the requirements laid down by The Payment Card Industry Data Security Standard.
All online payments through Yoco are backed by 3D Secure and we employ SSL certification throughout.
We run sophisticated risk and fraud monitoring technology and have a dedicated team of cybercrime experts who monitor, detect, and deal with fraud and risky activity across our business.
Cards
Yoco Gateway accepts | Yoco Gateway doesn’t currently accept |
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💡 Good to know: If your customer tries to pay with a virtual card (whether it’s from a bank, mobile money wallet, or another provider) and the transaction fails, ask them to switch to another card or payment method.
Currency
Yoco Gateway accepts payments in South African Rands (ZAR) only, so all goods and services must be listed in ZAR on your website.
When customers pay with international cards, the issuing bank will carry out an automatic currency conversion, and the relative amount (based on the daily exchange rate at the time of the purchase) will be deducted from the customer’s bank account.
The exchange rate is determined by the customer’s bank.
Fees
Transaction fees for online payments depend on your Yoco Plan and monthly turnover. Your customer’s bank may charge additional fees beyond our control.
💰 Click here to find out all about Yoco Fees.
Payments
It takes a maximum of two business days for the money from an online sale to reflect in your bank account.
We’ll notify you via email each time a payment is made on your website, and you can track them through the Yoco App (mobile or web).
💡 Good to know: The minimum amount for card payments is R2,00. There's no minimum amount for EFTs.
💵 Click here to find out more about our Standard, Weekly, Fast, and Instant PayoutI options.
Please note: Yoco Gateway doesn’t currently support subscriptions or recurring billing.
Need more help?
Start a conversation with a Yoco Support consultant via our in-app chat.