Pesapal vs Yoco

Pesapal is a payments company in East and Southern Africa that offers card and M-Pesa acceptance on POS machines, online payments and business loans. Yoco is a South African payments and point-of-sale provider for small businesses. Both are listed under Payment Processing for Food Businesses. They differ in price, audience and platforms.

Key differences

  • price

    On price, Yoco lists ZAR 249 per location per month. Pesapal does not publish a starting price.

  • audience

    The audiences they list differ. Listed for one product only, for example: Pesapal: Restaurants and cafes in Kenya and East Africa that need M-Pesa and card payments; Yoco: Independent restaurants and cafes in South Africa.

  • platforms

    They do not run on the same platforms. Pesapal: Web; Yoco: Web, iOS, Android.

  • countries covered

    Pesapal names 7 countries and Yoco names 1 country. No country appears in every list.

  • integrations

    Pesapal names 9 integrations and Yoco names 11 integrations. No partner appears in every list.

Side by side

Pesapal vs Yoco: side-by-side comparison from published vendor information
FieldPesapalYoco
What it isPesapal is a payments company in East and Southern Africa that offers card and M-Pesa acceptance on POS machines, online payments and business loans.Yoco is a South African payments and point-of-sale provider for small businesses.
Best forRestaurants and cafes in Kenya and East Africa that need M-Pesa and card payments; Restaurants, bars and hotels running Oracle Simphony or OPERA; Restaurants that want online ordering with paymentsIndependent restaurants and cafes in South Africa; Food trucks, markets and pop-ups; Small businesses that want no monthly software fee
Pricing modelPercentage of salesSubscription per location plus transaction fees
Starting priceNot publishedZAR 249 per location per month
Free planNot publishedYes
Free trialNot publishedYes
ContractNot publishedNo contract on card machines, per the vendor
PlatformsWebWeb, iOS, Android
CountriesKenya, Malawi, Rwanda, Tanzania, Uganda, Zambia and 1 moreSouth Africa
LanguagesNot publishedNot published
Number of integrations911
CertificationsPCI DSS, PCI compliantNot published
Security practices128-bit SSL in transit and 256-bit AES for stored data, Regulated by the Central Bank of Kenya3D-Secure on transactions
Founded2009Not published
HeadquartersNairobi, KenyaNot published
OwnerNot publishedNot published
Last reviewed29 September 202629 September 2026

Integrations

No partner appears in every list.

Named only by Pesapal

  • Compulynx
  • Fitbit Pay
  • Google Pay
  • Microsoft AMX
  • M-Pesa
  • Oracle Hospitality OPERA
  • Oracle Hospitality Suite8
  • Oracle Micros
  • Oracle Simphony/Micros RES

Named only by Yoco

  • Lightspeed
  • Loyverse
  • QuickBooks
  • Sage
  • Shopify
  • Shopstar
  • stub
  • TallOrder
  • Wix
  • WooCommerce
  • Xero

Which to choose

Pesapal

Choose Pesapal if you fit its listed audience: Restaurants and cafes in Kenya and East Africa that need M-Pesa and card payments; Restaurants, bars and hotels running Oracle Simphony or OPERA; Restaurants that want online ordering with payments.

Yoco

Choose Yoco if you fit its listed audience: Independent restaurants and cafes in South Africa; Food trucks, markets and pop-ups; Small businesses that want no monthly software fee.

What we could not confirm

Pesapal

  • Transaction rates, POS terminal prices or subscription fees (not published)
  • Contract term and renewal
  • Founders, funding and ownership
  • Interface languages
  • Restaurant POS integrations beyond the Oracle and named POS systems

Yoco

  • Headquarters, founding year and founders
  • Legal entity and registration
  • Funding rounds (the about page says over $100M raised in total, with no round detail)
  • Availability outside South Africa
  • Which accounting integrations need the Pro plan
  • Interface languages

Go further

Pesapal profileYoco profile

Other comparisons with these products

Sources

Facts on this page come from the pages below. Prices and features change, so confirm with each vendor before you buy.