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 works with Shopify, WooCommerce, Wix, Shopstar, and custom-built platforms, giving your customers a smooth, familiar checkout.
Yoco Gateway is simple to set up, and makes excellent business sense.
✔️ Fast, secure transactions.
✔️ A smooth checkout experience that matches your brand.
✔️ Fewer losses from late or failed payments.
✔️ Built-in protection against fraud, expired cards, and insufficient funds.
How Yoco Gateway works
When a customer pays on your website, Yoco Gateway handles the payment securely in the background. An API connects your website to Yoco, card details are passed safely to the customer's bank, and the bank approves or declines based on available funds – all within seconds.
How you connect depends on your platform:
Shopify takes care of the connection in the background. When you install the Yoco app from Shopify, your store is linked to your Yoco profile automatically — there's no separate connection step to complete yourself.
WooCommerce, Wix, Shopstar, and custom-built platforms connect using a Yoco app or plugin that you link to your Yoco profile. You manage this connection from the Yoco App (mobile or web), which handles the link securely so your store can start taking payments.
👩💻 APIs made easy
API: a way for two systems to 'speak' to each other. For online payments, it's how your website connects to Yoco so payments can be completed.
💡 Good to know: We recommend a Yoco card machine so your in-person and online sales sit together in one place – one home for payments, reconciliation, and reporting. Don't have one yet? Browse our card machines on yoco.com.
Choosing your integration
Platform | How it connects | Best for |
Shopify | Automatically – the Yoco app links your store to your profile for you | Merchants already on Shopify wanting the simplest setup |
WooCommerce | Yoco plugin, linked via the Yoco App | WordPress-based stores |
Wix | Yoco app, linked via the Yoco App | Wix-built stores |
Shopstar | Yoco integration, linked via the Yoco App | Shopstar stores |
Checkout API | Custom integration built by your developer, managed via the Yoco App | Larger or tech-enabled businesses building their own checkout |
Select the link correct below to follow the step-by-step setup guide for your preferred platform
Security
Yoco Gateway is built for safe, secure online transactions.
The Yoco ecosystem is internationally certified as secure by Visa and Mastercard.
Yoco is fully PCI compliant, meeting the standards set by the Payment Card Industry Data Security Standard.
All online payments are backed by 3D Secure, with SSL certification throughout.
A dedicated team monitors for fraud and risky activity across the platform, around the clock.
Cards
Yoco Gateway accepts | Yoco Gateway doesn’t currently accept |
|
|
💡 Good to know: If a customer's virtual card fails, ask them to try another card or payment method.
Currency
Yoco Gateway accepts payments in South African Rand (ZAR) only, so all goods and services must be listed in ZAR on your website. When a customer pays with an international card, their bank handles the currency conversion automatically at the daily exchange rate.
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.
💰 Visit yoco.com for full details on Yoco Fees.
Payments
Money from an online sale takes up to two business days to reflect in your bank account. We'll email you each time a payment is made, and you can track everything in the Yoco App (mobile or web).
💡 Good to know:
The minimum card payment is R2,00. There's no minimum for EFTs.
Yoco Gateway doesn't currently support subscriptions or recurring billing.
💵 Click here to find out more about our Standard, Weekly, Fast, and Instant Payout options.
Need more help?
Start a conversation with a Yoco Support consultant via our in-app chat.