Yoco · Pricing Plans

Yoco Plans Pricing

Yoco does not price API access itself - the developer platform, keys, test mode, and webhooks are free to use. Yoco makes money on a per-transaction processing fee. For the online payment gateway, the published rate is 2.95% (excluding VAT) per successful local card transaction, with no monthly fee, no setup fee, and no lock-in. After roughly three months of processing, Yoco may automatically lower a merchant's rate based on volume, and states that once a rate goes down it does not go back up. Merchants transacting above R200,000 per month can request custom rates against a merchant statement. In-person card machine rates differ and are sold separately. Exact rates are not reconciled here - verify on the Yoco pricing page.

Yoco Plans Pricing is the machine-readable pricing-plan profile for Yoco on the APIs.io network, conforming to the API Commons Plans specification.

It defines 3 plans, covering usage and enterprise tiers, with named plans including Online Payment Gateway, Volume-Based Rate, Custom / High Volume.

Tagged areas include Payments, Fintech, Payment Gateway, Card Payments, and South Africa.

3 Plans API Commons Plans
View Source
PaymentsFintechPayment GatewayCard PaymentsSouth AfricaPlans

Plans

Online Payment Gateway usage

Pay-as-you-transact online card acceptance via the Checkout API and payment links. No monthly or setup fee; billed only on successful transactions.

Local Online Transaction Fee (transaction · month) 2.95% excl VAT per local card transaction (no monthly fee) USD
Volume-Based Rate usage

After ~3 months of processing, Yoco may automatically reduce the per-transaction rate based on the merchant's transaction volume. Once lowered, Yoco states the rate does not increase again.

Discounted Transaction Fee (transaction · month) below 2.95% based on volume (automatically applied) USD
Custom / High Volume enterprise

Merchants processing more than R200,000 per month can submit a merchant statement to request custom low rates.

Custom Rate (transaction · month) negotiated (contact Yoco with a merchant statement) USD

Sources

Work with this as data

Every plan here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for plans

4 MCP tools reach this
  • find_plansBrowse and filter every plan in the catalog.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This plan 
curl "https://apis.io/api/v1/plans/yoco-plans-pricing"
All plans 
curl "https://apis.io/api/v1/plans?limit=25"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.