Head-to-Head Specification Audit
Adyen vs Yoco
Enterprise Payment Processing · Global
Specification Matrix
| Metric | Adyen | Yoco |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 500 req/minBetter | 80 req/min |
| Target Country | Global | South Africa |
| Category | Payments Platform | Payments Platform |
| Compliance | PCI-DSS, SOC2, GDPR, PSD2, ISO27001 | POPIA, PCI-DSS |
| Hosting Regions | EU-West, US-East, AP-Southeast, EU-Central | AF-South |
| Native Integrations | 6 listedBetter | 4 listed |
Adyen — Key Specs
- ✓Single acquiring platform for 200+ payment methods globally
- ✓Issuing: virtual/physical cards for expense management
- ✓PSD2 SCA built-in with AI-powered SCA exemption engine
- ✓EU data residency, GDPR DPA, PCI DSS Level 1
Yoco — Key Specs
- ✓Dominant SMB card payment solution in SA — 150,000+ businesses
- ✓No monthly fee — pay per transaction only
- ✓Mobile POS device available nationwide
- ✓Business capital lending based on transaction history
Frequently Asked Questions
What is cheaper, Adyen or Yoco?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Adyen or Yoco?+
Both support PCI-DSS. Adyen additionally supports SOC2, GDPR, PSD2, ISO27001. Yoco additionally supports POPIA.
Is Adyen or Yoco compliant with South Africa's POPIA?+
Yoco supports POPIA compliance. Adyen does not list POPIA as a supported framework.
Which has a higher API rate limit — Adyen or Yoco?+
Adyen has a higher API rate limit at 500 requests per minute. Adyen: 500 req/min. Yoco: 80 req/min.
Which tool is better suited for Global?+
Adyen is evaluated for Enterprise Payment Processing in Global with hosting regions: EU-West, US-East, AP-Southeast, EU-Central. Yoco has hosting regions: AF-South. For data residency in Global, check each vendor's data processing agreements.
Data last verified: 26 June 2026
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