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Yoco Payment Gateway
Get plugins for Shopify, WooCommerce and Wix. Built your own site? Use the Checkout API.
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Why Yoco Payment Gateway
One account for your shop and website.
Your online and in-person sales, together
Stop running your shop and your website as two separate businesses. One account, one sales history, one payout.
A checkout your customers already trust
Your customers pay on a secure Yoco checkout page by card, Apple Pay or Google Pay.
Better rates for your business
Your online and card machine sales count towards one monthly total. Once that total passes R50k, you pay a lower rate on both.
Let customers pay in instalments
Help customers say yes to bigger purchases with split interest-free payments through HappyPay. You get paid in full, less fees, while HappyPay carries the risk.
See pricing
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Works with the platform you already use
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Building something custom?
A proper API for custom sites and apps.
If you have a developer, the Yoco Checkout API lets you build payments right into your own site or app. Yoco hosts the payment page, so card details never touch your server, and you get a full sandbox, SDKs and webhooks to build against.
See developer docs
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BACKED BY REAL RESULTS
Thousands of businesses already sell online with Yoco
6,500+ businesses get paid through Yoco Payment Gateway every month.
as at September 2026
R2,1bn+ paid through Yoco Payment Gateway in the past 12 months.
as at September 2026
4 in 5 Gateway merchants get paid through a Shopify, WooCommerce or Wix plugin.
as at September 2026
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How Yoco Payment Gateway works
1.
Sign up for Yoco
Pay the once-off signup fee at checkout, then complete your business profile. It isn’t charged when you buy or own a Yoco card machine.
2.
Add Yoco to your store
Install Yoco from the Shopify App Store or the Yoco Payments plugin on WooCommerce. For Wix, enable Yoco Payments in your dashboard.
3.
Connect your website
Add your website in the Yoco App for verification. Shopify connects automatically. For WooCommerce and Wix, add your test keys to your store settings.
4.
Test, then go live
Make a R2 test payment. Once your website is verified, we’ll let you know. Add your live keys and you’re ready to get paid online.
Get started
Signup fee explained
A once-off signup fee applies when you sign up without buying a Yoco card machine. Once you’re verified, your account gives you access to all of Yoco’s online products and ways to get paid without a card machine. There’s no signup fee if you buy a Yoco card machine or already have one. T&Cs apply.
Get started
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When is Gateway best suited?
If you sell on your own website, Yoco Gateway lets your customers pay at checkout once it’s connected to your Shopify, WooCommerce or Wix store.
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Other online payment methods
Yoco Payment Page
Yoco Payment Link
Yoco Invoices
Best for
One page link any customer can use to pay you any amount.
Best for
Asking one customer for a set amount.
How it works
Share one page link, for example in your bio.
How it works
Create a link and share it with your customers.
What your customer does
Opens your page and enters what they’re paying.
What your customer does
Opens the link and pays.
Reusable?
Yes
Reusable?
No. One link takes one payment.
Needs a website?
No
Needs a website?
No
Shopify, WooCommerce and Wix. For a custom site or app, you can build with the Yoco Checkout API.
No. For Shopify, WooCommerce or Wix, you add Yoco through the platform with no code. Only a custom build with the Checkout API needs a developer.
Once you’ve signed up, you can add Yoco to your store and run a test payment. Live payments start once Yoco has verified your website.
Within two business days. If you also use a Yoco card machine, your online and in-person sales are paid out together.
There’s no monthly fee and nothing to pay to install the plugin. You pay a transaction fee on each sale, and your online and card machine sales count together, which can lower your rate. If you’re new to Yoco and sign up without buying a card machine, there’s a once-off signup fee, paid at checkout. Shopify charges its own transaction fees on top. See our pricing page for current fees.
Visa, Mastercard and American Express cards, plus Apple Pay and Google Pay. If your business qualifies, you can also offer Happy Pay so customers can pay in instalments.
Yes, if your business qualifies. Apply for Happy Pay on the Payment Methods page in the Yoco App, then switch them on.
Happy Pay splits the cost into two payments with no credit check. You’re paid the full amount, less fees, on your normal payout schedule. Happy Pay charges a fee on those sales, on top of standard Yoco online fees.
Not yet. Yoco Payment Gateway takes once-off payments at checkout.