Head-to-Head Specification Audit
Adyen vs Yoco
Enterprise Payment Processing · Global
Specification Matrix
| Metric | Adyen | Yoco |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 500 req/minBetter | 80 req/min |
| Target Country | Global | South Africa |
| Category | Payments Platform | Payments Platform |
| Compliance (vendor-stated) | 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
Vendor-stated- ✓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
Vendor-stated- ✓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
Which is lower-priced, Adyen or Yoco?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Adyen and Yoco list?+
Both list PCI-DSS in their vendor documentation. Adyen additionally lists SOC2, GDPR, PSD2, ISO27001. Yoco additionally lists POPIA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Adyen or Yoco list POPIA as a supported compliance framework?+
Yoco lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Adyen does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Adyen or Yoco?+
Adyen has a higher documented API rate limit at 500 req/min versus Yoco at 80 req/min.
Which data hosting regions do Adyen and Yoco support?+
Adyen lists hosting regions: EU-West, US-East, AP-Southeast, EU-Central. Yoco lists hosting regions: AF-South. For data residency requirements in Global, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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