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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
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
  tags:
  - Checkout
  - Online Payments
  - Card Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
  baseURL: https://payments.yoco.com/api
  properties:
  - url: https://developer.yoco.com/online/resources/get-started
    type: Documentation
  - url: https://developer.yoco.com/online/api-reference/checkout/payments/accept-payments/
    type: APIReference
  - url: openapi/yoco-openapi.yml
    type: OpenAPI
  - url: collections/yoco.postman_collection.json
    type: PostmanCollection
  - url: collections/yoco.opencollection.json
    type: OpenCollection
  description: Server-side hosted checkout for accepting online card payments. Create
    a checkout with an amount (in cents) and currency, redirect the customer to the
    returned redirectUrl, and confirm the outcome via webhook. Supports display-only
    line items, tax and discount totals, metadata, and an Idempotency-Key header.
- aid: yoco:yoco-refunds-api
  name: Yoco Refunds API
  tags:
  - Refunds
  - Card Payments
  - Reversals
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.yoco.com/online/api-reference/checkout/refunds/accept-refunds/
  baseURL: https://payments.yoco.com/api
  properties:
  - url: https://developer.yoco.com/online/api-reference/checkout/refunds/accept-refunds/
    type: APIReference
  - url: https://developer.yoco.com/online/api-reference/core-resources/refund-object/
    type: Documentation
  - url: openapi/yoco-openapi.yml
    type: OpenAPI
  - url: collections/yoco.postman_collection.json
    type: PostmanCollection
  description: Refund a completed checkout in full or in part by posting to the
    checkout's refund sub-resource. Refunds may complete synchronously or resolve
    asynchronously, with a refund.succeeded webhook confirming the final state.
    A separate versioned endpoint (GET /v1/refunds/{refundId} on api.yoco.com)
    reads refund records.
- aid: yoco:yoco-webhooks-api
  name: Yoco Webhooks API
  tags:
  - Webhooks
  - Events
  - Notifications
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.yoco.com/online/api-reference/webhooks/list-all-webhooks
  baseURL: https://payments.yoco.com/api
  properties:
  - url: https://developer.yoco.com/online/api-reference/webhooks/list-all-webhooks
    type: APIReference
  - url: https://developer.yoco.com/online/api-reference/webhooks/verifying-events/
    type: Documentation
  - url: openapi/yoco-openapi.yml
    type: OpenAPI
  - url: collections/yoco.postman_collection.json
    type: PostmanCollection
  description: Register, list, and delete webhook endpoints that Yoco calls with
    signed event notifications (payment.succeeded, refund.succeeded, and related
    types). Deliveries carry webhook-id, webhook-timestamp, and webhook-signature
    headers verified with an HMAC-SHA256 signature over the payload.
- aid: yoco:yoco-payments-api
  name: Yoco Payments API
  tags:
  - Payments
  - Reporting
  - Reconciliation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.yoco.com/api-reference/yoco-api/payments/list-payments-v-1-payments-get
  baseURL: https://api.yoco.com
  properties:
  - url: https://developer.yoco.com/api-reference/yoco-api/payments/list-payments-v-1-payments-get
    type: APIReference
  - url: openapi/yoco-openapi.yml
    type: OpenAPI
  - url: collections/yoco.postman_collection.json
    type: PostmanCollection
  description: Versioned read API for querying payment records. GET /v1/payments
    supports cursor pagination and filters by status and created/updated timestamps.
    Requests use JWT Bearer credentials scoped with business/orders:read. A sandbox
    host (api.yocosandbox.com) is available for testing.
- aid: yoco:yoco-payment-links-api
  name: Yoco Payment Links API
  tags:
  - Payment Links
  - Online Payments
  - Invoicing
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.yoco.com/api-reference/yoco-api/payment-links/fetch-payment-link-v-1-payment-links-payment-link-id-get
  baseURL: https://api.yoco.com
  properties:
  - url: https://developer.yoco.com/api-reference/yoco-api/payment-links/fetch-payment-link-v-1-payment-links-payment-link-id-get
    type: APIReference
  - url: openapi/yoco-openapi.yml
    type: OpenAPI
  - url: collections/yoco.postman_collection.json
    type: PostmanCollection
  description: Versioned API for shareable payment links. GET
    /v1/payment_links/{paymentLinkId} fetches a link's details. Requests use JWT
    Bearer credentials scoped with business/orders:read.
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