Online Payments


Send a Payment Link


Accept payments online from your customers, even if you don’t have a website.

How does it work?


Send a payment link from your Yoco App or Business Portal when you need to accept payments. Add an amount or select your products. You can send the payment link via Email, SMS or WhatsApp – like an online quotation or invoice.

Your customer clicks the link, and pays the amount you specified using their card details. We use 3D Secure authentication – this means that your customer will receive a ‘One Time PIN’ from their bank as part of the payment process.

How do I know the customer has paid?


You can track all unpaid links in your Yoco App or Business Portal, and send reminders or delete links if they're no longer needed. You also get an email notification every time a customer pays, and you can see a detailed record of all payments on your Sales History.

What are the fees?


Payment links, like the rest of our online tools, are free to access. All you pay is a transaction fee from 3.05% to 3.40% (ex. VAT) depending on your monthly sales. Like in-person rates, it automatically drops the more you sell.

How do I get paid?


All online payments are linked to your Yoco Account and money will be paid out within 2 business days as part of your usual payouts.

What cards are accepted currently?


All VISA and MasterCard cards are accepted, including international cards. AMEX and Diners are not currently supported. All payments are made in ZAR.

How do I start sending payment links?


  1. Open your Yoco App
  2. Select Sell from the navigation bar at the bottom
  3. Enter an amount or select your products
  4. Select Charge
  5. Select Send Link
  6. Add a customer name (this is for your personal records)
  7. Select Share via Email, WhatsApp or Other.
  8. Share the link with your customer.
  9. Select Done!
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