Yoco Loyalty helps you reward your regular customers automatically with every card payment. There's no app for your customer to download and no extra hardware to set up. It works with the Yoco tools you already use, so customers can earn rewards with a simple tap of their card. And it gives you visibility into how many regulars you actually have.
Automatic earning
Customers earn points automatically every time they pay by card. No extra steps for you or your staff.
Simple redemption
When a customer wants to use their points, they simply enter their mobile number, then you or your staff select Loyalty as the payment method at checkout.
Keep your business top of mind
Customers receive WhatsApp updates when they join and redeem rewards, with your business name included so they always know who's rewarding them.
Track loyalty performance
View points issued, unclaimed rewards, and your total loyalty customers directly in the Yoco App (mobile or web).
✨ Loyalty is included with the Plus Plan and Pro Plan. If you're currently on the Core Plan and want to enjoy the benefits of this card-based rewards programme, click here to find out how you can upgrade in seconds.
✨ Yoco Loyalty works with the following Yoco card machines:
Neo Touch (used with Counter, the Yoco POS App, and as a standalone device)
Khumo + Khumo 2
Khumo Print + Khumo Print 2
Setting up your Yoco Loyalty
Before customers can start earning rewards, you'll need to activate Yoco Loyalty in the Yoco App (mobile or web). During setup, you can choose what percentage of each purchase customers earn back in points and set a minimum spend required to start earning.
Select the Manage tab.
Select the Loyalty tile/widget.
Select the Set up button on the right of your screen.
Enter an earn rate – this is the percentage of each transaction a customer earns as points. One cent equals one point.
Enter the minimum spend – how much a customer needs to spend before they can start earning loyalty points. This must be a minimum of R2,00.
Read and agree to the Terms & Conditions, then select the Activate button to enable Yoco Loyalty for your business.
Your customers will start earning loyalty points as soon as they've registered for Yoco Loyalty.
✨ Need to deactivate your Yoco Loyalty? You can do it any time by contacting Yoco Support via our in-app chat.
How customers sign up for Yoco Loyalty
Once you've enabled Yoco Loyalty in the Yoco App (mobile or web), customers will be prompted to join the programme the next time they pay by card at your business.
✨ Once a customer has joined your rewards programme, earning points is effortless. They simply pay with the same card, and points are added automatically in the background.
Once the card payment has been successfully processed, a banner will pop up inviting your customer to join your rewards programme.
Your customer taps the banner, then enters their phone number on the device.
Your customer accepts the Terms & Conditions and opts in to the WhatsApp updates (notifications are only sent for registration and redemption). Customers can check their latest balance on your card machine each time they make a payment.
Your customer sees the points earned on the transaction and their starting balance. They receive a WhatsApp message from Yoco confirming their registration.
💡 Good to know: All WhatsApp messages clearly reference your business name, so customers always know which loyalty balance they're looking at, even if they've signed up for loyalty at multiple businesses.
How customers earn loyalty
Once a customer joins your rewards programme, points are earned automatically every time they pay by card. There's nothing for your staff to remember and no extra steps at checkout.
The customer taps their card to pay.
The system recognises their card and your card machine (and their digital receipt) shows the points earned and updated balance.
How customers redeem loyalty
Redemption happens at checkout – your staff simply identifies the customer, and Yoco Loyalty takes care of the rest.
When a customer is ready to use their points, the staff member creates the sale as usual, then selects Loyalty as the payment method at checkout.
The customer enters their phone number.
Yoco Loyalty automatically applies the available loyalty points to the bill.
If the points cover the full amount, the sale is complete. If there's a balance remaining, the customer can pay the difference using another payment method.
💡 Good to know: If a customer's phone number entry is incorrect during redemption, the redemption will fail. Staff can ask them to re-enter their number, or proceed with a standard payment method instead.
A confirmation screen shows the value redeemed, points used, and the customer's remaining points balance.
The customer receives a WhatsApp confirmation showing the amount redeemed, their updated balance, and your business name.
❗ Important: Customers must redeem the full number of points available for the purchase – they can't redeem less than the system calculates. If the points earned don't cover the full bill, the remaining amount must be at least R2,00 (so the balance can be paid by card). Your Yoco POS system will automatically calculate the transaction to ensure the R2,00 minimum balance.
Viewing your loyalty report
Select Reports from the navigation tab.
Scroll down to the Loyalty report section and select the Loyalty report tile.
When the Loyalty report opens, you'll be able to view:
Total points issued
Total unredeemed points
Active customers
💬 Yoco Loyalty FAQs
Can my customers use Loyalty without a smartphone? Yes, the only thing customers need is a phone number for registration and redemption. WhatsApp is the preferred confirmation channel, but it's not required for earning or redeeming.
What if a customer changes their phone number? Phone number changes need to go through Yoco Support – customers can't update this themselves via WhatsApp.
Can I change my earn rate? Yes, your earn rate and minimum spend can be updated in the Yoco App (mobile or web). Head to Manage → Loyalty and select the Edit button next to the Settings heading.
Does Loyalty work on refunds? While it is not yet possible to refund points that have been redeemed, points earned on a card payment that is later refunded will be deducted from the customer's loyalty balance.
Can customers use Loyalty with any card? Loyalty works for any customer who pays by card at your terminal. It's linked to their phone number (not a specific card), so they can tap any card to earn points.
What if a customer uses a different card? One phone number can be linked to multiple cards. If a customer pays with a different card, the system will prompt them to register that card to their existing phone number. One card cannot be linked to two different phone numbers.
What if a customer wants to change their phone number? When a customer redeems points, the system automatically applies the maximum amount they can use. Customers can't choose to redeem less.
Does Loyalty work if the WhatsApp notification doesn't go through? Yes, WhatsApp notifications are useful, but Loyalty doesn't depend on them. Points, balances, and redemption confirmations are always shown on the terminal and digital receipt.
Can I pause or stop my rewards programme? Yes, you can deactivate Loyalty any time you like by contacting Yoco Support via our in-app chat.
Can customers redeem only part of their points? Not at this stage. When a customer redeems, the system applies the maximum eligible amount automatically. They can't choose a smaller redemption amount.
Need more help?
Start a conversation with a Yoco Support consultant via our in-app chat.