> ## Documentation Index
> Fetch the complete documentation index at: https://storekit.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Yoco

> Set up the Yoco payment integration for storekit stores in South Africa. Step-by-step instructions to start accepting card payments through Yoco's network.

Yoco is a leading payment provider in South Africa, offering simple and affordable card payments for businesses of all sizes. storekit integrates directly with Yoco for South African stores.

<Frame>
  <img src="https://mintcdn.com/storekit/KWICXJPGJEfLt5cY/images/yoco-logo.svg?fit=max&auto=format&n=KWICXJPGJEfLt5cY&q=85&s=2ebdfac2c715d64ddf91a1a8d47aba97" alt="Yoco" width="120" noZoom data-path="images/yoco-logo.svg" />
</Frame>

<Note>
  Yoco is a standalone payment integration, completely separate from storekit Payments (Adyen). For now, South African stores use Yoco instead of storekit Payments.
</Note>

## How It Works

When a customer checks out at a Yoco-enabled store:

1. Customer completes their order and proceeds to payment
2. They're redirected to Yoco's secure checkout page
3. Customer enters their card details or pays with a saved card
4. Payment is processed by Yoco
5. Customer is redirected back to your store with confirmation

## Connecting Yoco

Unlike other payment methods, Yoco requires you to enter your API secret key in storekit:

<Steps>
  <Step title="Create a Yoco Account">
    If you don't already have one, [sign up for Yoco](https://www.yoco.com/za/) and complete their onboarding process.
  </Step>

  <Step title="Get Your Secret Key">
    Log in to the [Yoco App](https://app.yoco.com/) and navigate to **Sales > Payment Gateway**. You'll see your **Test Secret Key** and **Live Secret Key**.
  </Step>

  <Step title="Enter Your Secret Key in storekit">
    In your storekit dashboard, go to **Store Settings > Yoco** and paste your secret key.

    * Use the **Test Secret Key** while setting up and testing
    * Switch to the **Live Secret Key** when you're ready to accept real payments
  </Step>

  <Step title="Start Accepting Payments">
    Once configured, Yoco will automatically appear as the payment method at checkout.
  </Step>
</Steps>

## Features

| Feature           | Supported |
| ----------------- | --------- |
| Card payments     | Yes       |
| Refunds           | Yes       |
| Webhooks          | Yes       |
| Line item details | Yes       |

## Availability

| Region       | Currency |
| ------------ | -------- |
| South Africa | ZAR      |

## Refunds

Refunds for Yoco orders work the same as other payment methods:

1. Go to the order in your storekit dashboard
2. Click **Refund**
3. Enter the refund amount
4. The refund is processed through Yoco and the customer is notified

<Info>
  Refunds are processed directly through Yoco's API. The refund will appear in the customer's account according to Yoco's standard processing times.
</Info>

## Payouts

Yoco handles payouts directly to your South African bank account. Payout timing and fees are determined by your Yoco account settings, not storekit.

To view your payouts and transaction history, log in to your [Yoco Portal](https://portal.yoco.com/).

## Disconnecting Yoco

If you need to remove your Yoco integration:

1. Go to **Store Settings > Yoco** in your storekit dashboard
2. Remove your secret key
3. Save the settings

<Warning>
  Removing your Yoco secret key will prevent your store from accepting payments until you re-enter it or set up an alternative payment method.
</Warning>

## Troubleshooting

### Invalid Secret Key

If your secret key isn't working:

* Ensure you're copying the full key from the Yoco App
* Check you're using the correct key (Test vs Live)
* Verify your Yoco account is fully verified and active

### Payments Not Working

If payments aren't processing:

* Check you've entered the **Live Secret Key** (not Test) for real payments
* Verify your Yoco account status in the [Yoco App](https://app.yoco.com/)
* Ensure your store is set to the South Africa region

For further assistance, [contact support](/getting-started/contact-support).

## Learn More

Visit [Yoco](https://www.yoco.com/za/) to learn more about accepting payments in South Africa.