Setting up Yoco Payment Gateway
Yoco is one of South Africa’s leading financial platforms for small businesses, offering secure, reliable, and cost-effective payment solutions. It supports both online and in-store payments with seamless integration across all Yoco products—without any upfront or monthly fees.
Key benefits of Yoco
- No upfront, monthly, or payout fees
- Card transaction fees starting at 2.95% (excl. VAT)
- EFT fees from 2% (excl. VAT)
- Daily payouts and fast onboarding
- 3D Secure and PCI-compliant payment processing
- Support for all MasterCard and VISA debit/credit cards, including international cards
Yoco does not support Fleet, RCS, Diners Club, AMEX, or Petrol cards at this time.
The Yoco Payment Gateway can be activated directly from the Yoco Business Portal, either during sign-up or from the payment settings dashboard. Once connected, merchants can begin accepting payments immediately.
How to set up Yoco Payment Gateway
Step 1: Go to Payment Settings
- Log in to your eCommerce Admin Panel.
- Go to Settings → Payments.
- Click on Add Payment Method.
Step 2: Select Yoco
A pop-up window will appear.
- From the Payment Gateway dropdown, select Yoco.
- If Yoco isn’t listed, your store currency may not be supported (see section below).
Step 3: Enable the Payment Method
- Turn on the Enable Payment Method toggle.
Step 4: Enter your Yoco Credentials
You will need your Secret Key from your Yoco Business Portal.
To get your Secret Key:
- Log in to your Yoco Business Portal.
- Navigate to your Developer / API section.
- Copy the Secret Key.
- Paste the key into the Yoco setup window and click Submit.
Sandbox (Testing) Mode
You can test Yoco in Sandbox mode before processing real payments.
- In the Yoco setup page, click More Options.
- Turn on Sandbox Mode.
- Enter the same key in the Test Secret Key field.
- Save your changes.
This allows safe testing of payment flows during checkout.
Yoco Supported Currencies
| Currency Name | Code |
|---|---|
| South African Rand | ZAR |
All products and services must be listed in ZAR in your store.
Customers using international cards can still make payments — their bank automatically converts their home currency into ZAR.
Yoco isn’t available with your Store Currency
If Yoco does not appear as an option in the payment list, your store currency is not supported. To enable Yoco, you must set your store currency to ZAR.
How to change your Store Currency
- Navigate to Settings → General in your eCommerce admin panel.
- Click on Standards and Formats.
- Choose ZAR from the currency dropdown.
- Save the changes.