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South Africa’s lowest card transaction fees among non-bank providers
Compare Yoco card machine prices and transaction fees, with no monthly rental fees and rates from 1.20% as your business grows.
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Growing Businesses
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Compare card transaction fees
Yoco offers the lowest published standard in-person local card transaction fees among the leading card machine providers compared below.
Yoco Core * R0/month
Yoco Pro R499/month
Alternatives
Up to R40,000
2.30%
Up to R40,000
2.03%
R40,000 to R50,000
2.30%
R40,000 to R50,000
2.03%
R50,000 to R60,000
1.73%
R50,000 to R60,000
1.58%
R60,000 to R80,000
1.73%
R60,000 to R80,000
1.58%
R80,000 to R100,000
1.73%
R80,000 to R100,000
1.58%
Over R200,000
Custom
Over R200,000
Custom
All transaction rates exclude VAT. Online, international and Amex rates differ. Custom, negotiated and promotional rates are excluded. “Alternatives” represents the lowest applicable published standard rate identified among the leading non-bank providers assessed for each turnover band. Rates checked August 2026.
Yoco card machine prices
Own your card machine from R699 once-off, with no monthly rental fee or long-term contract.
-46%
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Khumo 2
R
699
R1299
Takes the payment, then handles the rest. Tips, split bills, refunds and staff profiles on the machine. Today's real-time sales on your phone.
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Which plan is cheapest for your business?
Core is cheapest for most businesses. Pro pays for itself from around R50,000 a month with lower rates and free next-day payouts.
Yoco plans
See here
See what lower transaction fees mean for your business
On as little as R10,000 monthly turnover, you already save up to R2,091 a year with Yoco Core, scaling to even more savings as you transact more. We've included payout and connectivity fees too, so you can see the full monthly cost at four turnover levels.
Yoco Core *
Alternatives (transaction fee only)
Alternatives (incl. payout and connectivity fees)
R10,000 a month
R230
R10,000 a month
R275
R30,000 a month
R690
R30,000 a month
R825
R75,000 a month
R1,298
R75,000 a month
R1,913
R100,000 a month
R1,730
R100,000 a month
R2,500
Includes transaction, payout and connectivity fees. Assumes 21 payouts per month at R2.50 per payout and a card mix of 60% local debit and 40% local credit. Rates and calculations exclude VAT.
The transaction rate isn’t the full cost.
Most comparisons stop at the rate. The alternatives charge R2.50 every time money lands in your account. Once a trading day costs you R651 a year. Yoco's standard payout is free.
What's not in the rate
Transaction rates are only part of the cost of accepting card payments. Machine rental, payout fees, connectivity fees and banking requirements can also affect what you pay.
Yoco
Alternatives
Banks
Machine rental
R0
Machine rental
R0
Fee to get paid
R0 standard
Fee to get paid
R2.50 per payout
Data subscription
R0
Data subscription
R75/month
Can choose any bank
Yes
Can choose any bank
Yes
Rate drops at R50,000
Automatically
Rate drops at R50,000
On a 3-month average
Bank fees and requirements vary by provider, product and business assessment. This section compares potential additional costs and does not claim that Yoco’s transaction rates are lower than every bank’s.
Process over R200k a month?
Unlock custom rates, hardware deals and dedicated support
Get custom rates!
Chat to our team
Card transaction fee FAQs
Answers to common questions about transaction fees, additional costs and how Yoco compares.
Yoco offers the lowest published standard in-person local card transaction fees among the leading non-bank providers assessed in South Africa. Rates depend on monthly card turnover, card type and Yoco plan.
You pay 2.30% on in-person local card payments, dropping to 1.2% on debit once you go over R50,000 a month. Other providers charge 2.50% to 2.75% over the same range.
Yes. Your Yoco rate drops as soon as your monthly card turnover goes over R50,000. Above R200,000 a month you qualify for custom rates. There is nothing to apply for.
Compare machine purchase or rental fees, monthly subscriptions, payout fees, connectivity fees and contract requirements. These additional charges can affect the total cost of accepting card payments.
A payout fee is charged every time your money is transferred to your bank account.
Yoco charges nothing for standard payouts. Some providers charge R2.50 per payout. Assuming one payout per trading day, that adds up to about R651 a year.
No. Yoco’s published transaction rates exclude VAT. Yoco card machine purchase prices include VAT.
No. You buy and own your Yoco card machine, so there is no monthly machine rental fee.
No. You do not need a business bank account to use a Yoco card machine. You can receive payouts into an existing South African bank account in your name, subject to Yoco’s verification requirements.