Yoco allows you to accept debit and credit card payments using a Wireless card reader that connects to your phone/tablet via Bluetooth. Accept physical card payments with Yoco in four simple steps:1. Pair your Yoco Wireless card reader with the Yoco mobile App via Bluetooth.2. Select the amount or item the customer wants to buy, and click on checkout.3. Select cash or card payment. If card, the customer inserts the card and enters their PIN into the Yoco Wireless card reader.4. The transaction will process and the app will notify you once successful. You can then email or SMS your client their receipt. Your client will only need their bank card to complete a transaction.The Yoco App is available for download in the Apple App Store and Google Play Store. The App is compatible with iPhone, iPod touch, iPad and most Android phones eg. Samsung, Sony, VodaFone etc. The app can be downloaded on iOS and Android devices: Download now from the Apple App StoreDownload now from the Google Play Store
Both card readers:• Work with Android or Apple smartphones and tablets• Accept VISA and MasterCard transactions (Debit and credit cards, including international cards)• Accept swipe and chip-and-PIN cards• Have a secure tamperproof design• Have 14 hours of battery life
Yoco Wireless PRO - R2 749 inc VAT (R2 411.40 ex VAT)• For businesses in busy spaces and lots of transactions• Great for Bars, Restaurants, Retail and Clothing Stores etc.• Faster processing (Bluetooth 4.0) • NFC (tap-and-pay technology) ready for when it goes live shortly• Stands and accessories available
Yoco Wireless LITE - R1 749.00 inc VAT (R1 534.21 ex VAT)• For businesses starting out and offsite payments• Great for Deliveries, Beauty Studios, Gyms etc• Bluetooth connectivity only• No stand available - hand held only
We do not have a minimum transaction amount.
Yes, the Yoco card readers can be used with multiple devices. For example, if you and your business partner each have a phone and want to use the card reader separately, you can. However, the card reader can only be used with one device (phone or tablet) at a time. Two people cannot use one card reader at the same time.
To complete a transaction Yoco requires a stable internet connection with WiFi or 3G (Data) so we can authenticate the payment.Yoco uses very little data to process a payment:One transaction uses approximately 50 - 100 KB of data. This means you can run 10 - 20 transactions per MB, or 10 000 - 20 000 transactions per GB.Click here for more information about how internet connectivity affects your transactions.
Yes. You can email or SMS your customers a receipt. This is an environmentally-friendly alternative to paper receipts.You do not pay anything to send these receipts and you can resend them at any time. Click here for more information.
Yes. We have a 1 year manufacturing warranty which will cover any manufacturing defaults. Please note readers that are damaged through negligence (e.g. dropped) are not covered under the warranty. For more information about caring for your card reader please click here.
Yes, Yoco can be paired with any compatible smartphone or tablet, and can be used by multiple staff members. But, the card reader can only be paired with one phone or tablet at a time. For example, if you and your business partner each have a phone and want to use the card reader, you can. However you will need to unpair the reader from the first phone before pairing to the second phone.
Once off card reader costs:• Wireless Pro - R2 749 inc VAT (R2 411.40 ex VAT) or pay 16 weekly instalments (R549.80 Upfront Payment and Weekly Cost of R181.81, Total Cost: R3,458.76).• Wireless Lite - R1 749 inc VAT (R1 534.21 ex VAT) or pay 16 weekly instalments (R349.80 Upfront Payment and Weekly Cost of R116.81, Total Cost: R2,218.76).Click here for more information about our transaction fees.
Our rates are determined by your monthly revenue. This means the more you grow the less you pay. To learn more about our pricing, view our pricing page.There are no contracts, monthly rental fees, admin fees or other costs involved. Only the initial purchase of the card reader and the transaction fees. • No installation fees, settlement fees or penalty fees. • You are not charged for SMS or email receipts sent, settlement or transferring bank charges.• Free App & Business Portal included. Credit card transactions under R50 have a flat fee of R1.71 inc VAT (R1.50 ex VAT)
We have three payment options:1. Pay online via credit/debit card2. EFT payment: Please email your Proof of Payment to [email protected]3. Pay over 16 week terms. See below section for more information.Once you have completed your application you can choose the option you would like at the end of the signup process. Click here to sign up!
Yes, you can pay off your card reader over a 16 week plan. Retail Capital manages our terms orders and you can choose to deduct the weekly payment on a Tuesday, Wednesday, Thursday or Friday.Wireless Pro: Upfront Payment of R549.80 and Weekly Cost of R181.81, Total Cost: R3,458.76.Wireless Lite: Upfront Payment of R349.80 and Weekly Cost of R116.81, Total Cost: R2,218.76.Please note the reference on your bank statement will be from Retail Capital and not Yoco.The terms plan will be submitted to Retail Capital after your reader has been delivered.
After completing your sign up for Yoco you will have one of the following free options for receiving your reader:Delivery:• CCD Couriers: CCD will phone you after we dispatch your reader to set up a day, time and location for delivery. Please have you FICA documents to show the courier.Pick up options:Choose your nearest, convenient pick up point on the interactive map.• Pargo: You will receive an SMS once your reader is ready for collection at the Pargo point you choose. This SMS will include an OTP (One-Time-Pin) that you will need to use at the collection point.• Yoco office (Cape Town): You are welcome to collect your card reader from our office at 56 Shortmarket Street, Cape Town. If you choose this option you will receive an email when your card reader is ready for collection.Please click here for more information about our deliveries.
Yes, we will need your FICA documents before we can activate settlement on your account. The FICA documents need to be in the name of the Yoco applicant. Documents required:• Certified Copy of your South Africa ID• Proof of your Residential address (home address)If you chose for us to deliver your card reader via CCD couriers they will need your FICA documents on delivery. You can read more about what documents we accept here.
Yoco will pay your card transactions into your South African bank account provided during signup/on your online Business Portal. The amount we settle to your account will be less our transaction fee.Yoco will settle your account within one working day, and the money will reflect in your account within 24 - 48 hours after settlement. For more information about your settlement schedule please click here. The minimum settlement amount is R15.00 and there are no charges for settling your account.
Yoco supports all Visa and Mastercard debit and credit cards. This includes Chip-and-PIN, Swipe and International cards. We also accept SASSA cards.Yoco does not currently support the following cards:- AMEX- Diner's Club- Union Pay- Fleet- RCSFor more information please click here.
Yoco only supports card present transactions. The customer needs to be present to insert their card and their PIN/signature for the transaction to be successful. This means you cannot enter the card number of your customer manually.Also Yoco does not support budget or online payments.
You can sign up online, either as a registered South African business or an individual (unregistered business).• You will need an Android or iOS smartphone or tablet (see our list of compatible devices here).• You will need a South African bank account that we can link to your Yoco account.• If you are signing up as an individual, you must be a South African citizen or permanent resident with a valid registered SA I.D. number.• If you are signing up as a registered business, the applicant must be a principal, director or legal entity.• You will need to provide FICA: A copy of your ID and proof of home address. For more information about FICA please click here.• Our vetting team will check your application and complete a Basic Credit check. For more information about vetting please click here.If you are signing up for an NPO or Trust please contact [email protected]
Yoco works with iOS (Apple) and Android devices that can connect to the Apple App Store or Google Play Store. To check if your device is compatible please download the Yoco point of sale App onto your smartphone or tablet. If you can download the App then it is compatible with your device.You can down the app on iOS and Android devices:Download now from the Apple App StoreDownload now from the Google Play StoreThe Yoco point of sale App does not work with Blackberry or Windows phones or on laptops or desktops.
The Bluetooth specifications, processor speed, type of internet connection (3G, 4G, LTE) and Android version of your smartphone all determine the performance with Yoco.We support most Android devices on the latest version of the Yoco app (1.0.8 and higher). The minimum requirements are as follows:• Android 4.2 and above• 800x480 screen resolution and higher• 3G/LTE/Wireless internet connectivity• GPS• Bluetooth connectivity• 512MB RAM or more (1GB highly recommended)For the best experience we recommend a phone/tablet with the following specs:• Android 4.2 and above• 1GB RAM• Quad core CPUPlease note: If the app is not available for download in the Google Play Store, then it has not met the minimum requirements for the app.If you are unsure if your phone is compatible with the Yoco solution please download the following Spec Device app: https://play.google.com/store/apps/details?id=com.specdevice then navigate to 'My Spec Link' and email to [email protected]; we will then be able to confirm if your device is compatible.
The Yoco App must be running iOS 7 or later to work and we would advise using:• iPhone 4S and up• iPad 3 and up• Any iPad Mini• Any iPad ProGenerally, the newer your Apple device is, the better the App performance will be.
• Blackberry• Windows Phone• Vodacom Smart 4 mini• AlcatelHisense• Vodafone Smart Tab• Acer• Karbonn• Smartpoynt• Mediatek chipset• Redmi• Sony Experia E4Z• TE Blade C310• Huawei Ascend Y220
For an Android phone delivering the best performance:• Samsung Galaxy S8+ LTE (SM-G955) approx R15,669• Sony Xperia XZ+XPERIA E4 - approx R10,999• Samsung Galaxy J7 Prime Smartphone (SM-G610F)- approx R4,889If your are looking for a budget option, the following Android smartphones perform well:• Samsung Galaxy Grand Prime Plus - approx R2,499• Vodacom Smart Prime 7 - approx R1,599Are you going to use Yoco as a point of sale behind a counter? Then we highly recommend you to work with a tablet. We recommend the following Android tablets:• Samsung Galaxy Tab A 10.1 - approx R6,499• Lenovo Tab2 A10-30 16GB - approx R3,499• Vodacom Power tab 10” - approx R1,899
For a detailed step by step guide to connect your Wireless Lite please click here. For a step by step guide for your Wireless Pro click here.See this article for videos to assist with pairing your card reader to your phone or tablet.isiXhosa: Ukufakela iWireless readersisiZulu: Ukuhlanganisa ama-reader engenazintamboAfrikaans: Paring process met Yoco se kaartmasjiene
• Charge using the USB plug from your phone/tablet with the cable provided in your launch kit. • The reader takes 3 - 4 hours to fully charge off a wall socket.• We would recommend using a surge-protector to protect the reader.• Don’t leave charging 24/7 or over-night as this can damage the battery.Please see this article for more information about charging your reader.
Yes, you can add and manage staff through your Yoco App and Business Portal. You can also use the staff logins to create different logins for different store locations.To add a staff member to your Yoco account, log in to the Yoco Business Portal with your login details.1. Select the "Business" tab2. Select the "Staff" from the Business Menu3. Select the "Invite Staff Member" or " + " button on the bottom right hand side of the screen4. Fill in the required information.5. Select "Show advanced permissions" and select what permissions you would like to give your staff member eg. "Can perform transactions" & "Can manage items"6. Invite your staff memberFor a step by step process, please see this article in our Support Centre.
The Yoco Business Portal is our free back-end solution that gives you useful business intelligence and real-time insights.You can read up about how it can help you manage and grow your business here.
Every Yoco merchant has a unique referral code. You will receive R500 for every person who signs up using your referral code once they start transacting with Yoco. They will also get R250 off their card reader. You will be rebated via EFT into the bank account listed on your Business Portal.To refer friends to Yoco please do the following:• Log into your Business Portal using the email address and password you signed up with.• Click on the green "Refer a friend" button in the top right corner. Here you will see your referral code which you can send to your friends via email, Facebook, Twitter or copy it and send it how you like. • During sign up there is a “promo code” field. This is where they must insert the referral code. The code must be used in signup for the offer to apply.• Click here for our Referral Terms and Conditions.
It is our goal to help small businesses grow and we invite all businesses to apply for Yoco. However, there are certain products and services that you cannot sell with Yoco. These include:• Adult Entertainment: Sex Services, Erotic Services and Escort Services• Adult pornography• Child Pornography• Illegal drugs• Illegal sale of cigarettes• Gambling• Sale of counterfeit merchandise• Sale or violations of intellectual property rights• Fuel• Airline tickets• Guns (arms dealing) and firearm equipment • Currency including virtual currency and foreign exchange• Financial institutions offering manual or automated cash disbursements • Wire transfer money orders
Yes, however the transaction amount needs to be entered in Rands. You will need a stable internet connection to process the transaction and a South African bank account for us to pay your settlement into.
Our Support team works from 9am to 10pm, 7 days a week, 365 days a year including Public Holidays. We have a Support centre to assist with general queries and a helpful team of Support Agents that monitor the in-app chats and phone lines. If you need assistance please get in contact on your app using the ‘Chat to Support’ button.
Sign up, buy a card reader and start growing. No monthly fees or fixed contracts.