Head-to-Head Specification Audit
Yoco vs Adyen
South African SMB POS & Payments · South Africa
Specification Matrix
| Metric | Yoco | Adyen |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 80 req/min | 500 req/minBetter |
| Target Country | South Africa | Global |
| Category | Payments Platform | Payments Platform |
| Compliance (vendor-stated) | 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
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
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
Frequently Asked Questions
Which is lower-priced, Yoco or Adyen?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Yoco and Adyen list?+
Both list PCI-DSS in their vendor documentation. Yoco additionally lists POPIA. Adyen additionally lists SOC2, GDPR, PSD2, ISO27001. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Yoco or Adyen 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 — Yoco or Adyen?+
Adyen has a higher documented API rate limit at 500 req/min versus Yoco at 80 req/min.
Which data hosting regions do Yoco and Adyen support?+
Yoco lists hosting regions: AF-South. Adyen lists hosting regions: EU-West, US-East, AP-Southeast, EU-Central. For data residency requirements in South 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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