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Yoco

Yoco

South African SMEs

VS

HeoH

French merchants, especially restaurants, cafés and bars, that want to accept card tips or offer customers charity round-ups on their existing payment terminals, along with charities, places of worship and transport operators.

HeoH
Fees from
2.95% vs Custom
Features

0 shared

1 unique to Yoco
Regions

0 shared

1 unique to Yoco
Pay methods

1 shared

5 unique to Yoco · 2 unique to HeoH
On payment methods

Yoco supports 6 payment methods, 3 more than HeoH. Verify directly with each provider before signing.

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1 features · 8 payment methods · 1 regions. We don't rank these — they're here for reference.
Yoco Yoco
HeoH HeoH
Quick Facts
Fees
Standard transaction rate
2.95%
Custom
Settlement
Time to receive funds
2 business days
Quand HeoH reverse, le reversement est mensuel. Quand vous reversez vous-même, vous choisissez le rythme.
Founded
2013
—
Headquarters
Cape Town, South Africa
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Yoco leads (1 vs 0)
Startup Friendly Unique
✓
—
Payment Methods
Yoco leads (6 vs 3)
Amex Unique
✓
—
Contactless
✓
✓
Credit Card Unique
—
✓
Diners Unique
✓
—
Mastercard Unique
✓
—
Mobile Payment Unique
✓
—
Mobile Wallet Unique
—
✓
Visa Unique
✓
—
Regions
Yoco leads (1 vs 0)
Africa Unique
✓
—

Yoco is best when you...

South African SMEs
Need Startup Friendly
Not available with HeoH
Want coverage in Africa
HeoH doesn't cover this region
View Yoco

HeoH is best when you...

French merchants, especially restaurants, cafés and bars, that want to accept card tips or offer customers charity round-ups on their existing payment terminals, along with charities, places of worship and transport operators.
View HeoH

Frequently Asked Questions

What is the difference between Yoco and HeoH?
They share 1 payment method and 0 regions. Yoco adds Amex, Diners Club, Mastercard and 2 more that HeoH does not list; HeoH adds Credit Card, Mobile Wallet that Yoco does not list; Yoco also covers Africa; only Yoco offers Startup Friendly.
Which is cheaper, Yoco or HeoH?
Yoco has published rates from 2.95%; HeoH has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Yoco and HeoH?
Yoco lists 1 region and 6 payment methods; HeoH lists 0 and 3. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Yoco and HeoH compare on integration and settlement?
Yoco offers a sandbox, HeoH does not list one; Yoco supports webhooks; Yoco settles in 2 business days, HeoH in Quand HeoH reverse, le reversement est mensuel. Quand vous reversez vous-même, vous choisissez le rythme..

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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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