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Head-to-Head Specification Audit
Yoco vs PayFast
South African SMB POS & Payments · South Africa
Specification Matrix
| Metric | Yoco | PayFast |
|---|---|---|
| Starting Price | CustomBetter | Custom |
| API Rate Limit | 80 req/minBetter | 60 req/min |
| Target Country | South Africa | South Africa |
| Category | Payments Platform | Payment Processing API |
| Compliance | POPIA, PCI-DSS | POPIA, PCI-DSS |
| Hosting Regions | AF-South | ZA-Cape-Town, ZA-Johannesburg |
| 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
PayFast — Key Specs
- ✓Only major payment gateway with POPIA-compliant ZA data residency by default
- ✓Supports EFT, credit card, Instant EFT, Mobicred, and SnapScan natively
- ✓No monthly fee — pay 2.0–3.5% per transaction only
- ✓Recurring billing API supports subscription SaaS models out of the box
Frequently Asked Questions
What is cheaper, Yoco or PayFast?+
Both tools start at $0/mo on their entry plans.
Which tool is better for compliance — Yoco or PayFast?+
Both support POPIA, PCI-DSS.
Is Yoco or PayFast compliant with South Africa's POPIA?+
Both Yoco and PayFast support POPIA compliance frameworks according to their official documentation.
Which has a higher API rate limit — Yoco or PayFast?+
Yoco has a higher API rate limit at 80 requests per minute. Yoco: 80 req/min. PayFast: 60 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. PayFast has hosting regions: ZA-Cape-Town, ZA-Johannesburg. For data residency in South Africa, check each vendor's data processing agreements.
Data last verified: 26 June 2026
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