yoco

Process Yoco card payments, refunds, and webhooks via REST API.

Updated Mar 14, 2026

Search Tags:#payments #webhooks #checkout #pos #yoco #south-africa

Ready to run

npx skills add https://github.com/AfricanDigitalAssetFramework/africa-stack-skills --skill yoco

💬 Prompt for ChatGPT / Claude Chat▼

Please help me install this Agent Skill.
Skill: yoco
Source: https://github.com/AfricanDigitalAssetFramework/africa-stack-skills/tree/main/southern-africa/yoco
Command: npx skills add https://github.com/AfricanDigitalAssetFramework/africa-stack-skills --skill yoco

SYSTEM DOCUMENTATION & REQUIREMENTS

What problem does it solve?

Integrate Yoco's payment API to enable merchants in South Africa to accept card payments online and in-store, while securely managing transactions and settlements.

Core Features & Use Cases

Unified REST API for online checkout and POS payments
Create checkouts, process transactions, issue refunds, and handle webhooks for real-time reconciliation
Sandbox and live environments with Bearer authentication and dual base URLs

Quick Start

Connect your Yoco account, obtain your secret key (Bearer token), and start creating checkouts to accept payments.

Frequently Asked Questions about yoco

High-intent search queries and answers about installing and using this skill.

FAQPage Schema

How do I integrate Yoco card payments for a South African ecommerce checkout?▼

To integrate Yoco card payments, you create checkouts and process transactions via Yoco's REST API using Bearer authentication. You must connect your Yoco account, obtain a secret key, and choose between the sandbox or live environment.

Can I use Yoco webhooks for real-time transaction reconciliation?▼

Yes, Yoco webhooks can be used for real-time transaction reconciliation across online and in-store channels. The API supports webhook-driven reconciliation to manage transactions and settlements securely after processing card payments.

Does the Yoco API support refunds and POS integrations in South Africa?▼

The Yoco API supports both refunds and POS integrations in South Africa. It provides a unified REST API for online checkout and in-store point-of-sale payments, allowing merchants to issue refunds and manage transactions seamlessly.

What base URLs are required to process Yoco transactions in sandbox and live environments?▼

Processing Yoco transactions requires dual base URLs: https://api.yoco.com and https://payments.yoco.com. Both sandbox and live environments utilize these endpoints alongside Bearer authentication to manage checkouts and transactions securely.

How do I authenticate API requests to create Yoco checkouts?▼

You authenticate API requests to create Yoco checkouts using Bearer authentication. You must obtain your Yoco account's secret key to serve as the Bearer token for authorizing payment processing and transaction management requests.