Yoco card reader review 2026: tap to pay fees and rating
First provider to bring Tap to Pay on iPhone to Africa, in May 2026; South Africa is therefore the first African Apple market.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
Yoco offers Yoco Tap to Pay on iPhone / Yoco Tap on Phone for iOS + Android. Transaction fee: on request; monthly fee: none. Security certification: n/a. Available in: South Africa.
Yoco terms in full
| Product name | Yoco Tap to Pay on iPhone / Yoco Tap on Phone |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | South Africa |
| Founded | 2013 |
| Platforms | both |
| Certification | not stated |
| Transaction fee | n/a on the Tap to Pay page; standard Yoco rates apply |
| Monthly fee | 0 (no monthly fee on the basic offering) |
| Setup cost | 0 |
| Contract term | n/a |
| Cards accepted | Apple Pay |
| PIN entry on screen | yes (PIN entry on the iPhone incl. accessibility options) |
| Transaction limit | n/a |
| Target customers | Independent small businesses and sole traders in South Africa |
| Available markets | South Africa |
| Website | yoco.com |
| Data source | Open primary source ↗ |
Alternatives to Yoco
Comparable providers in Africa:
- Paystack (Stripe) — from 1.50%, Rating 2.7
- iKhokha — from 2.75%, Rating 2.8
- Moniepoint — on request, Rating 4.2
- Nomba — on request, Rating 4.2
- Safaricom M-PESA — on request, Rating 4.2
Compare all providers in Africa →
Frequently asked questions
Yoco tap to pay: do I need any extra hardware?
Not necessarily. Yoco sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: iOS + Android.
Which countries is Yoco available in?
By our records: South Africa. Availability changes, and the date above the table is when we last checked.