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

26.0/100 emerging ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1

AccessPaidSelf serve

5 APIs

PaymentsFintechPayment GatewayCard PaymentsSouth AfricaOnline PaymentsCheckoutPoint of SaleSMBFinancial Infrastructure

Kin Score

Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1

Composite quality — 26.0/100 · emerging

Contract Quality 4.0 / 25

Developer Ergonomics 3.9 / 20

Commercial Clarity 7.9 / 20

Operational Transparency 4.1 / 13

Governance 0.0 / 12

Discoverability 7.4 / 10

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

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

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.

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

Website

Website

Source (apis.yml)

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.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  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
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.19'
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:
  - 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

Yoco

Kin Score

APIs 5

Yoco Checkout API

Yoco Payment Links API

Yoco Payments API

Yoco Refunds API

Yoco Webhooks API

Open Collections 1

Yoco Online Payments API

Pricing Plans 1

Yoco Plans Pricing

Rate Limits 1

Yoco Rate Limits

FinOps 1

Yoco Finops

Security Posture 2

Yoco Authentication

Yoco Domain Security

Agentic Access 1

Yoco Agentic Access

Resources