Yoco website screenshot

Yoco

Yoco is a South African fintech providing card acceptance and payments infrastructure for small and medium businesses - card machines, point of sale, and online payments. Its developer platform exposes REST APIs for accepting online card payments - the Checkout API (server-side hosted checkout at payments.yoco.com/api) for creating payment sessions and issuing refunds, plus a newer versioned Yoco API (api.yoco.com/v1) for reading payments, refunds, and payment links. Integrations authenticate with a secret key (Bearer) and receive asynchronous notifications via signed webhooks. Yoco operates primarily in South Africa and settles in ZAR.

Yoco publishes 5 APIs on the APIs.io network, including Checkout API, Payment Links API, Payments API, and 2 more. Tagged areas include Payments, Fintech, Payment Gateway, Card Payments, and South Africa.

Yoco’s developer surface includes authentication, documentation, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub
26.2/100 thin ▬ flat Agent 28/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-09-19 · rubric v0.22.0
AccessPaid
5 APIs
PaymentsFintechPayment GatewayCard PaymentsSouth AfricaOnline PaymentsCheckoutPoint-of-SaleSMBFinancial Infrastructure

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-19 · rubric v0.22.0
Composite quality — 26.2/100 · thin
Contract Quality 2.7 / 19
Developer Ergonomics 4.5 / 15
Access Clarity 5.9 / 15
Operational Transparency 3.1 / 10
Contract Governance 0.0 / 9
Discoverability 5.6 / 8
Regulatory Posture 2.8 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 28/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/yoco: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

Yoco Checkout API

Create and manage hosted checkout sessions.

Yoco Payment Links API

Read shareable payment links (versioned Yoco API).

Yoco Payments API

Read payment records (versioned Yoco API).

Yoco Refunds API

Refund completed checkouts and read refund records.

Yoco Webhooks API

Register and manage webhook endpoints for event notifications.

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Yoco Online Payments Checkout API

OPEN COLLECTION

Yoco Online Payments Checkout Payment Links API

OPEN COLLECTION

Yoco Online Checkout Payments API

OPEN COLLECTION

Yoco Online Payments Checkout Refunds API

OPEN COLLECTION

Yoco Online Payments Checkout Webhooks API

OPEN COLLECTION

Yoco Online Payments API

OPEN COLLECTION

Scroll for all 7

Pricing Plans 1

Published pricing tiers and plan structures.

Yoco Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Yoco Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Yoco Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Yoco Authentication

http · 2 schemes

SECURITY

Yoco Domain Security

HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Yoco Agentic Access

10 operations · 4 acting

10 operations · 4 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: yoco
url: https://raw.githubusercontent.com/api-evangelist/yoco/refs/heads/main/apis.yml
name: Yoco
kind: company
description: Yoco is a South African fintech providing card acceptance and payments infrastructure for small and medium businesses
  - card machines, point of sale, and online payments. Its developer platform exposes REST APIs for accepting online card
  payments - the Checkout API (server-side hosted checkout at payments.yoco.com/api) for creating payment sessions and issuing
  refunds, plus a newer versioned Yoco API (api.yoco.com/v1) for reading payments, refunds, and payment links. Integrations
  authenticate with a secret key (Bearer) and receive asynchronous notifications via signed webhooks. Yoco operates primarily
  in South Africa and settles in ZAR.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/yoco.png
tags:
- Payments
- Fintech
- Payment Gateway
- Card Payments
- South Africa
- Online Payments
- Checkout
- Point-of-Sale
- SMB
- Financial Infrastructure
tags_raw:
- Payments
- Fintech
- Payment Gateway
- Card Payments
- South Africa
- Online Payments
- Checkout
- Point of Sale
- SMB
- Financial Infrastructure
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.23'
apis:
- aid: yoco:yoco-checkout-api
  name: Yoco Checkout API
  description: Create and manage hosted checkout sessions.
  humanURL: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  baseURL: https://payments.yoco.com/api
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/yoco-checkout-api-openapi.yml
  - type: Documentation
    url: https://developer.yoco.com/online/resources/get-started
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  - type: PostmanCollection
    url: collections/yoco.postman_collection.json
  - type: OpenCollection
    url: collections/yoco.opencollection.json
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/refunds/accept-refunds/
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/core-resources/refund-object/
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/webhooks/list-all-webhooks
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/webhooks/verifying-events/
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payments/list-payments-v-1-payments-get
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payment-links/fetch-payment-link-v-1-payment-links-payment-link-id-get
- aid: yoco:yoco-payment-links-api
  name: Yoco Payment Links API
  description: Read shareable payment links (versioned Yoco API).
  humanURL: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  baseURL: https://payments.yoco.com/api
  tags:
  - Payment Links
  properties:
  - type: OpenAPI
    url: openapi/yoco-payment-links-api-openapi.yml
  - type: Documentation
    url: https://developer.yoco.com/online/resources/get-started
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  - type: PostmanCollection
    url: collections/yoco.postman_collection.json
  - type: OpenCollection
    url: collections/yoco.opencollection.json
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/refunds/accept-refunds/
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/core-resources/refund-object/
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/webhooks/list-all-webhooks
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/webhooks/verifying-events/
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payments/list-payments-v-1-payments-get
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payment-links/fetch-payment-link-v-1-payment-links-payment-link-id-get
- aid: yoco:yoco-payments-api
  name: Yoco Payments API
  description: Read payment records (versioned Yoco API).
  humanURL: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  baseURL: https://payments.yoco.com/api
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/yoco-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.yoco.com/online/resources/get-started
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  - type: PostmanCollection
    url: collections/yoco.postman_collection.json
  - type: OpenCollection
    url: collections/yoco.opencollection.json
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/refunds/accept-refunds/
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/core-resources/refund-object/
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/webhooks/list-all-webhooks
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/webhooks/verifying-events/
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payments/list-payments-v-1-payments-get
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payment-links/fetch-payment-link-v-1-payment-links-payment-link-id-get
- aid: yoco:yoco-refunds-api
  name: Yoco Refunds API
  description: Refund completed checkouts and read refund records.
  humanURL: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  baseURL: https://payments.yoco.com/api
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/yoco-refunds-api-openapi.yml
  - type: Documentation
    url: https://developer.yoco.com/online/resources/get-started
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  - type: PostmanCollection
    url: collections/yoco.postman_collection.json
  - type: OpenCollection
    url: collections/yoco.opencollection.json
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/refunds/accept-refunds/
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/core-resources/refund-object/
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/webhooks/list-all-webhooks
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/webhooks/verifying-events/
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payments/list-payments-v-1-payments-get
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payment-links/fetch-payment-link-v-1-payment-links-payment-link-id-get
- aid: yoco:yoco-webhooks-api
  name: Yoco Webhooks API
  description: Register and manage webhook endpoints for event notifications.
  humanURL: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  baseURL: https://payments.yoco.com/api
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/yoco-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developer.yoco.com/online/resources/get-started
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  - type: PostmanCollection
    url: collections/yoco.postman_collection.json
  - type: OpenCollection
    url: collections/yoco.opencollection.json
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/checkout/refunds/accept-refunds/
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/core-resources/refund-object/
  - type: APIReference
    url: https://developer.yoco.com/online/api-reference/webhooks/list-all-webhooks
  - type: Documentation
    url: https://developer.yoco.com/online/api-reference/webhooks/verifying-events/
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payments/list-payments-v-1-payments-get
  - type: APIReference
    url: https://developer.yoco.com/api-reference/yoco-api/payment-links/fetch-payment-link-v-1-payment-links-payment-link-id-get
common:
- type: AgenticAccess
  url: agentic-access/yoco-agentic-access.yml
- type: DomainSecurity
  url: security/yoco-domain-security.yml
- type: Authentication
  url: authentication/yoco-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/yoco
- type: Website
  url: https://www.yoco.com/za/
- type: Documentation
  url: https://developer.yoco.com
- type: Plans
  url: plans/yoco-plans-pricing.yml
- type: RateLimits
  url: rate-limits/yoco-rate-limits.yml
- type: FinOps
  url: finops/yoco-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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