Yoco (Online Gateway) fees in South Africa
Yoco’s online payments page lists a transaction fee of 2.55% to 2.95%, excluding VAT, with no monthly fee and no fixed rand fee. This calculator uses 2.95%, the top of that published range. Online and card-machine sales count toward one monthly total, and custom rates start above R200,000 a month. Instant EFT is not listed.
Rates checked 29 October 2026. Provider pricing page
| Card rate | 2.95% excl. VAT |
|---|---|
| Instant EFT | Not listed |
| Payout fee | R0 |
| Payout speed | 1-2 business days |
| Monthly fee | R0 |
| Est. card cost at R50 000 | R 1 696,25 |
| Est. Instant EFT cost at R50 000 | Not listed |
| Platforms | WooCommerce, Shopify, Wix |
| Best for | Merchants selling both in person and online. |
A store that already processes a lot through Yoco can fall toward 2.55%. Using 2.95% keeps the ranking on the published ceiling rather than a negotiated rate.
Sample costs use a R1 000 average order and include payout and monthly fees. Confirm the live rate with the provider. Run your own numbers.