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About Yoco
Yoco is an all-in-one commerce platform that helps independent businesses process payments, sell their products and services, and run and grow their business. In the past year, more than 250,000 businesses took over R55 billion in payments on Yoco, from a first food truck to a coffee chain with almost 150 stores. We’ve been building with, and for, independent businesses since 2014.
Our purpose
Why Yoco exists
Card machines, tills, stock systems and funding were built and priced for big business with finance teams. Yoco is a South African fintech company that builds them for independent businesses, priced so that the more they sell, the more they keep.
Money spent at an independent business circulates closer to home.
When independent businesses grow, their communities grow with them, and so does South Africa’s economy.
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What we help businesses do
Get paid
Take payments on a Yoco card machine or Tap to Pay on iPhone. Get paid online with payment links, invoices and website checkouts.
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Run the business
One point of sale for the counter, the table and the salon chair. Manage stock, staff and sales from any phone or laptop.
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Grow
Save from every day’s sales. Get funding repaid from sales at flexible terms. Bring customers back with rewards.
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The businesses we serve
Yoco is built for independent businesses: the cafe that knows its regulars, the salon with a full Saturday book, the shop with stock in the back room. Some are taking their first card payment. Others have been trading for years and run several sites.
Food & Beverage
Retail
Health & Beauty
More than 46,000 food and drink businesses took R16.6 billion on Yoco in the past year.
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More than 68,000 retailers took R17.6 billion on Yoco in the past year.
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More than 36,000 health and beauty businesses took R10.3 billion on Yoco in the past year.
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Ollie's Story
"Ollie and his wife run an independent cafe that serves up to 50 customers between 7am and 9am. Since moving to Yoco Counter, they use the sales reports in the Yoco app to cut winter waste by as much as 20%."
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Ollie
Owner of Ollie's Café
Read Story
Our impact
Our job is to leave more money with the people who run independent businesses. Our rate cuts put more than R250 million a year back into South African independent businesses, and Yoco Capital has advanced R6.8 billion to more than 40,000 businesses, repaid as a small share of each sale with no fixed debit orders.
R240bn
of payments processed for independent businesses since 2014.
R250m+
back in business owners' pockets every year by cutting our rates in 2026.
R6.8bn
advanced to more than 40,000 businesses through Yoco Capital.
250,000+
businesses took payments with Yoco in the past year.
8x
growth in monthly card volume, from R647 million before Covid-19 to R5.3 billion in December 2025.
82%
growth in the average business's monthly card sales on Yoco, from R22.5k in 2019 to R41k over the past year.
65%
more in card sales each month for businesses on Yoco point of sale.
2.4x
more taken each month by businesses on three or more Yoco products than by those on payments only.
Read about Yoco Next 2026
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"I took a leap of faith with Yoco Capital, opening one store, then another store, then another store."
Kay Williams, founder, Kreme Beauty. Yoco Capital funded ten of her 11 salons.
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Our story
In 2013, card machines came from the banks, and the banks weren’t built for the coffee cart, the hair salon or the market stall. Katlego Maphai, Carl Wazen, Bradley Wattrus and Lungisa Matshoba, four friends in Cape Town, founded Yoco to change that with a card reader and an app made for those businesses. As they grew, Yoco grew with them, adding point of sale in 2017, Yoco Capital funding in 2018, online payments in 2020 and Yoco Savings in 2026.
2014
The first card payment is taken on Yoco.
2020
Lockdown cuts card volume on Yoco by 84% in April. Volume is back within five months and ends the year 57% above the December before.
2021
Yoco raised US$83 million in a Series C led by Dragoneer, the largest round of its kind in South Africa at the time. Breyer Capital, Partech, Quona Capital and Orange Ventures also invest.
2026
Yoco buys Dyner, its first acquisition, and Carsten Höltkemeyer joins as CEO. At Yoco Next we release more than 20 product updates and cut card rates by up to 40%.
Read about Yoco Next 2026
Meet the leadership team
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Our values
Our values shape how we work together, and how we build for merchants.
Stay connected
Meet people, listen with empathy and think about the effect of what we do.
Keep it simple
Start, learn fast and say no to work that takes us off track.
Master your craft
Take pride in the work and make something of value.
Make space to explore
Take the initiative, share ideas, debate them and stay open-minded.
See open roles
Snapshot of our story
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Yoco in the press
First in South Africa with Tap to Pay on iPhone
First to market with secure contactless payments on iPhone.
Read more
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CNBC World's Top Fintech Companies
Recognised as one of the CNBC World's Top Fintech Companies, 4 years in a row.
Read more
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Launched 20+ product features at Next 2026
Launched 20+ features to simplify doing business for our merchants.
Read more
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