Head-to-Head Specification Audit
Yoco vs Adyen
South African SMB POS & Payments · South Africa
Specification Matrix
| Metric | Yoco | Adyen |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 80 req/min | 500 req/minBetter |
| Target Country | South Africa | Global |
| Category | Payments Platform | Payments Platform |
| Compliance | POPIA, PCI-DSS | PCI-DSS, SOC2, GDPR, PSD2, ISO27001 |
| Hosting Regions | AF-South | EU-West, US-East, AP-Southeast, EU-Central |
| Native Integrations | 4 listed | 6 listedBetter |
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
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
Frequently Asked Questions
What is cheaper, Yoco or Adyen?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Yoco or Adyen?+
Both support PCI-DSS. Yoco additionally supports POPIA. Adyen additionally supports SOC2, GDPR, PSD2, ISO27001.
Is Yoco or Adyen 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 — Yoco or Adyen?+
Adyen has a higher API rate limit at 500 requests per minute. Yoco: 80 req/min. Adyen: 500 req/min.
Which tool is better suited for South Africa?+
Yoco is evaluated for South African SMB POS & Payments in South Africa with hosting regions: AF-South. Adyen has hosting regions: EU-West, US-East, AP-Southeast, EU-Central. For data residency in South Africa, check each vendor's data processing agreements.
Data last verified: 26 June 2026
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