# Yoco

**Canonical:** https://apis.io/providers/yoco/  
**Website:** https://www.yoco.com/za/  
**APIs profiled:** 5

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.

## Kin Score — 27.6 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.1 from 27.5).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 14.3 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 33.3 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 21.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (5)

- **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.

## Agentic access (1)

- **Yoco Agentic Access** — 10 operations · 4 acting

## Security (2)

- **Yoco Authentication** — http · 2 schemes
- **Yoco Domain Security** — HSTS · DMARC

## Plans (1)

- **Yoco Plans Pricing**

## Tags

Payments, Fintech, Payment Gateway, Card Payments, South Africa, Online Payments, Checkout, Point-of-Sale, SMB, Financial Infrastructure

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/yoco/). Scores are computed from the provider's own public artifacts under a published rubric.