specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Yoco
providerId: yoco
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Fintech
- Payment Gateway
- Card Payments
- South Africa
- Plans
description: >-
  Yoco does not price API access itself - the developer platform, keys, test
  mode, and webhooks are free to use. Yoco makes money on a per-transaction
  processing fee. For the online payment gateway, the published rate is 2.95%
  (excluding VAT) per successful local card transaction, with no monthly fee,
  no setup fee, and no lock-in. After roughly three months of processing, Yoco
  may automatically lower a merchant's rate based on volume, and states that
  once a rate goes down it does not go back up. Merchants transacting above
  R200,000 per month can request custom rates against a merchant statement.
  In-person card machine rates differ and are sold separately. Exact rates are
  not reconciled here - verify on the Yoco pricing page.
notes: >-
  Percentages are the publicly advertised South African online gateway rate as
  of the review date and exclude VAT. There is no separate charge for calling
  the API; the cost is the transaction processing fee. Confirm current rates,
  VAT treatment, and any per-transaction minimums on the live pricing page
  during reconciliation.
sources:
- https://www.yoco.com/za/pricing/
- https://www.yoco.com/za/online-payment/
- https://www.yoco.com/za/gateway/
- https://support.yoco.help/en/articles/109553-yoco-online-payment-gateway-faqs
plans:
- id: yoco-online-gateway
  name: Online Payment Gateway
  type: usage
  description: >-
    Pay-as-you-transact online card acceptance via the Checkout API and payment
    links. No monthly or setup fee; billed only on successful transactions.
  entries:
  - label: Local Online Transaction Fee
    name: online_transaction_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: ZA
    unit: 1
    price: 2.95% excl VAT per local card transaction (no monthly fee)
    userMultiplied: false
  elements:
  - name: Checkout API
  - name: Payment Links
  - name: Refunds
  - name: Webhooks
  - name: Test Mode
- id: yoco-volume-discount
  name: Volume-Based Rate
  type: usage
  description: >-
    After ~3 months of processing, Yoco may automatically reduce the
    per-transaction rate based on the merchant's transaction volume. Once
    lowered, Yoco states the rate does not increase again.
  entries:
  - label: Discounted Transaction Fee
    name: discounted_transaction_fee
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: ZA
    unit: 1
    price: below 2.95% based on volume (automatically applied)
    userMultiplied: false
  elements:
  - name: Automatic Volume Discount
  - name: Rate Never Increases
- id: yoco-custom
  name: Custom / High Volume
  type: enterprise
  description: >-
    Merchants processing more than R200,000 per month can submit a merchant
    statement to request custom low rates.
  entries:
  - label: Custom Rate
    name: custom_rate
    type: usage
    metric: transaction
    limit: -1
    timeFrame: month
    geo: ZA
    unit: 1
    price: negotiated (contact Yoco with a merchant statement)
    userMultiplied: false
  elements:
  - name: Custom Volume Pricing
  - name: Dedicated Support
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com