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Yoco vs rano.
Yoco is best known for card machines for in-person sales, and also takes payments online. Here’s what the same sale costs on each, from Yoco’s published rates with VAT added so both sides compare like for like.
Published rates
The headline prices. As published, checked 11 October 2026.
| Yoco | rano (VAT included) | |
|---|---|---|
| Cards | 2.95% excl. VAT | Cost + 1% + R0.50, about 1.93% + R0.50 on a local debit card |
| Pay by bank | 2% excl. VAT | R2.50 flat, PayShap or EFT |
| Monthly fee | None on this plan | None |
Yoco quotes its rates excluding VAT, and charges as little as 2.55% on cards at higher volumes.
Source: Yoco’s published pricing. rano’s prices are the planned early-access prices; your fees are confirmed in your merchant agreement.
By sale size
What one sale costs. VAT included on both sides.
| Sale | Yoco, card | rano, debit card | Yoco, bank | rano, PayShap or EFT |
|---|---|---|---|---|
| R 50 | R 1.70 3.40% | R 1.47 2.94% | R 1.15 2.30% | R 2.50 5.00% |
| R 150 | R 5.09 3.39% | R 3.40 2.27% | R 3.45 2.30% | R 2.50 1.67% |
| R 400 | R 13.57 3.39% | R 8.22 2.05% | R 9.20 2.30% | R 2.50 0.63% |
| R 1,500 | R 50.89 3.39% | R 29.45 1.96% | R 34.50 2.30% | R 2.50 0.17% |
| R 5,000 | R 169.63 3.39% | R 97.00 1.94% | R 115.00 2.30% | R 2.50 0.05% |
Where rano costs more: bank payments under R 109 and card payments under R 35, because our fixed part is bigger than Yoco’s percentage on a small sale. Above that, the gap grows with every rand.
Where Yoco is the better choice
- Yoco processes live payments today; rano is in early access and doesn't yet.
- Yoco sells card machines for in-person sales. rano is online only: payment links, hosted checkout and the API.
- Yoco's published card rate drops at higher monthly volumes.
Where rano is different
- Every payment itemises the bank, card network and our fee
- A flat R2.50 for PayShap and EFT, whatever the amount
- No monthly, setup or exit fees
- A full test mode with simulated banks and cards
- Accepts Yoco’s integration, so switching is a few lines
Questions
Yoco or rano?
Is rano cheaper than Yoco?
On a R400 sale by card, Yoco’s published rate comes to R 13.57 and rano’s to R 8.22, VAT included. By bank it’s R 9.20 against rano’s flat R 2.50. rano costs more on bank payments under R 109, and on card payments under R 35. These are published rates; Yoco may offer you a negotiated rate.
Does rano take live payments yet?
Not yet. rano is in early access: merchants can build against a full test mode now, and live payments start once our sponsor bank is in place and we’re registered as a payment provider. Yoco takes live payments today.
Can I move from Yoco to rano?
Yes. rano accepts Yoco’s integration format, so you point your existing code at rano and change your keys. The switching guide lists exactly what is and isn’t supported. You can run both side by side while you move.
Why does rano show the fee split on every payment?
So you can check it. Every rano payment lists what the customer’s bank, the card network and the acquiring bank took, and what we took. Yoco, like most gateways, quotes one blended rate.
More comparisons
Other South African gateways.
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