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 is listed with 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 engineering blog, authentication, documentation, and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

18.4/100 emerging ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

AccessPaid

5 APIs

Payments Fintech Payment Gateway Card Payments South Africa Online Payments Checkout Point-of-Sale Small Business Financial Infrastructure

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 18.4/100 · emerging

Contract Quality 3.0 / 21

Developer Ergonomics 5.5 / 17

Access Clarity 1.3 / 17

Operational Transparency 0.9 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 1.6 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 14.3 — up to +21.4 composite points
Access Clarity scores 7.9 — up to +18.4 composite points
Developer Ergonomics scores 32.1 — up to +13.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/yoco/apis.yml: open an issue on github.com/api-evangelist/yoco to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

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

Open Collections 6

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

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

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

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 3

The organization behind the API

Blog

Blog

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.
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
x-docs-platform: fern
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
tags:
- Payments
- Fintech
- Payment Gateway
- Card Payments
- South Africa
- Online Payments
- Checkout
- Point-of-Sale
- Small Business
- 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: '2026-10-06'
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:
- url: https://www.yoco.com/za/blog/
  type: Blog
- 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 API — frequently asked questions

Does Yoco have an API?

Yes. APIs.io lists 5 APIs from Yoco, including Yoco Checkout API, Yoco Payment Links API and Yoco Payments API, and 2 more.

Is there an OpenAPI specification for the Yoco API?

Yes. APIs.io indexes 5 OpenAPI specifications for Yoco, each linked for download from this page.

How do I authenticate with the Yoco API?

Yoco uses bearer-token authentication (http · 2 schemes). The details are profiled on APIs.io as Yoco Authentication.

How much does the Yoco API cost?

APIs.io lists 3 pricing plans for Yoco, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Yoco API ready for AI agents?

Yoco has a Kin Score of 18.4 out of 100 (emerging) and an Agent Readiness score of 26.8 (agent-aware), scored by API Evangelist on 2026-10-31.

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