All Visa, MasterCard, and American Express cards that are 3D Secure enabled are accepted, including international cards, Instant EFT and Apple Pay. Diners are not currently supported.

Yes, you can send your Yoco Invoices anywhere in the world and accept international payments. There is a 3.4% charge on all international payments. However, please note that you can only charge your customers in South African Rands. Find out more about our fees here.

You don’t pay anything for sending your invoices (as many times as you like). You only pay a small transaction fee per sale, when customers pay using the payment link attached to the invoice.

For online payments, our transaction fees range from 2.55% to 2.95% for Visa/Mastercard payments, and for international 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. Get more details about how Yoco fees work here.

Yes, your VAT number will be displayed on all your invoices.

You can also add the customer’s VAT number on the invoice when you create a new customer. To manage your customers’ database, go to your Yoco App, click on the ‘Send’ tab, select ‘Invoices’, and click on ‘Customers’.

Each time you send a Yoco Invoice to a new customer, we’ll automatically save their invoicing details for future convenience. You can view, add, or edit all your Invoice customers in the Business Portal here or go to ‘Manage my Store’ in the left hand menu, followed by ‘Customers’.

Invoices can be sent via SMS and email (for now).

Customers can pay for their invoice, by clicking on the payment link attached to the invoice, or by scanning the QR code on the invoice. They’ll get taken to an online payment page, where they can pay with their Visa or Mastercard cards. Customers also have the option to pay using instant EFT, Apple Pay, cash, or any other payment method you prefer.

All online payments are linked to your existing Yoco Profile, and you’ll get paid out as per our normal payout schedule of 2-3 business days.

Yes, you can offer your customers discounts via a percentage (%) or a flat Rand amount. When creating your invoice and adding the line item, select the ‘Discount’ (plus) button at the bottom of the page. The discount will also be displayed on the invoice.

Refunds on Invoice payments are not yet available. In the meantime, we recommend doing an EFT to your customer’s bank account.