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Yoco

Yoco

South African SMEs

VS

Bluecode

Mobile payments

Bluecode
Fees from
2.95% vs 0.95-1.5%
Features

1 shared

Regions

1 shared

1 unique to Bluecode
Pay methods

2 shared

4 unique to Yoco · 2 unique to Bluecode

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Show full specs
1 features · 8 payment methods · 2 regions. We don't rank these — they're here for reference.
Yoco Yoco
Bluecode Bluecode
Quick Facts
Fees
Standard transaction rate
2.95%
0.95-1.5%
Settlement
Time to receive funds
2 business days
1–2 business days
Founded
2013
2017
Headquarters
Cape Town, South Africa
Vienna, Austria
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Startup Friendly
✓
✓
Payment Methods
Yoco leads (6 vs 4)
Amex Unique
✓
—
Contactless
✓
✓
Diners Unique
✓
—
Mastercard Unique
✓
—
Mobile Payment
✓
✓
Nfc Unique
—
✓
Qr Code Unique
—
✓
Visa Unique
✓
—
Regions
Bluecode leads (2 vs 1)
Africa
✓
✓
Europe Unique
—
✓

Yoco is best when you...

South African SMEs
View Yoco

Bluecode is best when you...

Mobile payments
Want coverage in Europe
Yoco doesn't cover this region
View Bluecode

Frequently Asked Questions

What is the difference between Yoco and Bluecode?
They share 2 payment methods and 1 region. Yoco adds Amex, Diners Club, Mastercard and 1 more that Bluecode does not list; Bluecode adds NFC, QR Code that Yoco does not list; Bluecode also covers Europe.
Which is cheaper, Yoco or Bluecode?
Yoco has published rates from 2.95%; Bluecode has published rates from 0.95-1.5%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Yoco and Bluecode?
Yoco lists 1 region and 6 payment methods; Bluecode lists 2 and 4. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Yoco and Bluecode compare on integration and settlement?
both offer a sandbox; both support webhooks; Yoco settles in 2 business days, Bluecode in 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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