Head-to-Head Specification Audit
Flutterwave vs Yoco
Pan-African Payment Gateway · Africa
Specification Matrix
| Metric | Flutterwave | Yoco |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 200 req/minBetter | 80 req/min |
| Target Country | Africa | South Africa |
| Category | Payments Platform | Payments Platform |
| Compliance (vendor-stated) | NDPA, PCI-DSS | POPIA, PCI-DSS |
| Hosting Regions | AF-West, AF-East, AF-South | AF-South |
| Native Integrations | 6 listedBetter | 4 listed |
Flutterwave — Key Specs
Vendor-stated- ✓Largest pan-African payment gateway — 35+ African markets
- ✓SWIFT, SEPA, local mobile money (M-Pesa, MTN MoMo, Airtel), cards
- ✓PCI DSS Level 1 certified
- ✓Storefront, invoicing, and recurring billing included
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, Flutterwave or Yoco?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Flutterwave and Yoco list?+
Both list PCI-DSS in their vendor documentation. Flutterwave additionally lists NDPA. Yoco additionally lists POPIA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Flutterwave 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. Flutterwave 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 — Flutterwave or Yoco?+
Flutterwave has a higher documented API rate limit at 200 req/min versus Yoco at 80 req/min.
Which data hosting regions do Flutterwave and Yoco support?+
Flutterwave lists hosting regions: AF-West, AF-East, AF-South. Yoco lists hosting regions: AF-South. For data residency requirements in Africa, 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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