Yoco

Yoco is a South African payments and point-of-sale provider for small businesses. It sells card machines and the Yoco Counter till, with free POS software, card and online payments, a loyalty programme and cash-advance financing. Restaurants, cafes, bars, takeaways and bakeries are among the business types it targets, alongside retail and services.

Last reviewed

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Home page of Yoco's website
Yoco's website on 30 September 2026
Best for
Independent restaurants and cafes in South Africa, Food trucks, markets and pop-ups
Pricing
From ZAR 249 per location per month
Runs on
Web, iOS, Android

Who it is for

  • Independent restaurants and cafes in South Africa

    Table management, kitchen and bar printing and tableside payment on a handheld, sold with the payment terminal.

  • Food trucks, markets and pop-ups

    Handheld POS with an 18-hour battery and multi-network SIM for selling away from a counter.

  • Small businesses that want no monthly software fee

    The POS software is free on every plan, and the Core plan has no monthly fee.

What it does

  • Card machines

    Khumo 2 and Khumo Print 2 accept tap, chip and swipe cards plus Apple Pay, Google Pay and Samsung Pay, with tips, split bills and refunds on the device.

  • Yoco Counter point of sale

    A 12-inch countertop till with a card machine, optional receipt and order printers and a barcode scanner.

  • Table management and tableside ordering

    See open tables, add rounds to an order, move items between tables and split bills at the table; the advanced table tools are on the Pro plan.

  • Prep Stations

    Sends food orders to the kitchen printer and drinks to the bar automatically.

  • Staff PINs and accountability

    Each cashier has a PIN, and discounts, voids and refunds are tied to the staff member who approved them.

  • Sales reports and accounting export

    Reports by product, time and staff, with exports to accounting software.

  • Payment links, digital invoices and ecommerce plugin

    Take payments online through links, invoices and a plugin for web builders.

  • Tap to Pay on iPhone

    Accept card payments on an iPhone without a card machine.

  • Yoco Loyalty

    Points earned on card payments, tracked by cell number and sent to customers by WhatsApp; included in the Plus plan.

  • Yoco Capital

    A cash advance for eligible merchants, repaid as a percentage of card sales with no fixed debit orders.

  • Yoco App and Web App

    Back-office access to sales reports, products, stock and staff, payment links and digital invoices.

Pricing

Starting price
From ZAR 249 per location per month
Pricing model
Subscription per location plus transaction fees
Minimum contract
No contract on card machines, per the vendor
Free plan
Yes
Free trial
Yes

Plans are Core (R0 per month per location, in-person local debit from 1.35 percent, 2.30 percent up to R50k), Plus (R249 per month, 30-day free trial, adds loyalty and multi-location) and Pro (R499 per month, adds free fast payouts, table-side ordering and advanced accounting integrations). Transaction fees fall as monthly volume rises; rates exclude VAT. Card machines are bought once from R699 with no rental fee, and the vendor says the POS software is free on every plan. Price basis detail: per location per month (Plus plan, first paid tier).

How it compares

Compared with the 12 products in Payment Processing for Food Businesses that have a profile on this site. These figures describe the category. They are not a recommendation.

  • Names 11 integrations. The median in this category is 5.
  • Has a free plan. 1 of the 2 products in this category that say whether they have a free plan do.
  • Has a free trial. All 1 products in this category that say whether they have a free trial do.
  • One of 7 products in this category with an iOS app. One of 8 products in this category with an Android app. 10 products in this category state their platforms.
  • The category's 10 most-named integration partners are Shopify, WooCommerce, Magento, OpenCart, PrestaShop, Xero, Lightspeed, Oracle Micros, Agilysys, Appetize. Of these, this product's listing names Shopify, WooCommerce, Xero, Lightspeed.

Works with

Accounting
XeroQuickBooksSagestub
Other
ShopifyWooCommerceWixShopstar
Point of sale
LightspeedLoyverseTallOrder

Yoco Connect is described as no-code setup. The page also lists Salonbridge and Bookem, which target salons and healthcare rather than food businesses.

Where and how it runs

Available in
South Africa
Platforms
Web, iOS, Android
Apps
Yoco App: Back office: sales, products, staff, payment links and invoices
Hardware
Yoco sells its own card machines (Khumo 2 from R699, Khumo Print 2), Yoco Counter (12-inch till), a handheld POS, printers and a barcode scanner; the POS app also runs on an iOS or Android tablet with a Yoco card machine.

The South African site (yoco.com/za) prices in rand and describes Yoco as serving South Africa, with an intention to reach the wider continent; other country sites are not described here.

The company

Team size
350+ (vendor claim)
Customers named by the vendor
Sparky's, Brewsky's

Security and support

Security and compliance
3D-Secure on transactions
Support
24-hour customer service, WhatsApp support and an online help centre; the vendor says setup support and 7-day-a-week help are available.

Listing details

Headquarters
South Africa
Built for
Cafés, Restaurants, Food retail
Focus
General-purpose, used in food businesses
Status
Active
Website
yoco.com
Also listed in
Café & Bakery POSRestaurant POS

Alternatives to Yoco

See all 26 in Payment Processing for Food Businesses

  • PayTabs

    PayTabs is a payments company serving the Middle East and North Africa.

    Listed as best for: Restaurants, cafes and hotels in Saudi Arabia, the UAE and Egypt; Small merchants and mobile food sellers in the region.

  • takepayments

    takepayments is a UK provider of card payment services for small independent businesses, including hospitality.

    Runs on Web, against Web, iOS and Android for Yoco.

  • Geidea

    Geidea is a Saudi payments company that sells card terminals, a mobile POS app, a payment gateway and payment links, plus a point of sale with online ordering, kiosk, kitchen display and branded app for restaurants and other merchants.

    Runs on Web and Android, against Web, iOS and Android for Yoco.

  • Clip

    Clip is a Mexican card-payment provider that sells card terminals, a phone app for taking payments, online payment links and a checkout gateway, with no monthly rent.

    Names 6 integrations, against 11 for Yoco.

Compare Yoco

Side-by-side tables built from the same profile data.

What we could not confirm

These points were not confirmed when this page was written.

  • 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

Sources

Facts on this page come from the pages below, checked on 29 September 2026. Prices and features change, so confirm with the vendor before you buy.

  1. Overview and hardware priceshttps://www.yoco.com/za/
  2. Plans and transaction feeshttps://www.yoco.com/za/pricing/
  3. Card machines, no contracthttps://www.yoco.com/za/card-machines/
  4. Rate comparisonhttps://www.yoco.com/za/card-machines/pricing/
  5. Restaurant featureshttps://www.yoco.com/za/food-and-beverages/restaurants/
  6. POS overview and handheldhttps://www.yoco.com/za/point-of-sale/
  7. Yoco Counterhttps://www.yoco.com/za/point-of-sale/yoco-counter/
  8. Loyaltyhttps://www.yoco.com/za/software/loyalty-programme/
  9. Capitalhttps://www.yoco.com/za/capital/
  10. Appshttps://www.yoco.com/za/app/
  11. Integrationshttps://www.yoco.com/za/integrations/
  12. Companyhttps://www.yoco.com/za/about/
  13. 3D-Securehttps://www.yoco.com/za/pro-services/