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Razorpay vs Yoco
Razorpay and Yoco are both card processing platforms. On a $1,000 payment you keep about $980 on Razorpay and $970.50–$974 on Yoco, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $980 on Razorpay and $970.50–$974 on Yoco, before withdrawal or currency-conversion costs.
- Both pay out via Bank transfer. Only Yoco offers instant for fee.
- Razorpay is based in India, Yoco in South Africa.
Which should you choose?
Choose Razorpay if…
- Keeping more of each payment matters most — its fee is lower.
Choose Yoco if…
- You want to withdraw via instant for fee.
Side by side
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Razorpay
India leading payment gateway - businesses of any size accept cards, UPI, netbanking, and wallets, with paymen…
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Yoco
A South African payments company letting small businesses accept card payments with readers.
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|---|---|---|
| Type | Card processing like Stripe | Card processing like Stripe |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | Yes | No |
| Fees | Around 2% per domestic transaction | 2.6-2.95% per card transaction |
| Minimum payout | — | R50 for Instant Payout |
| Payout speed | Standard domestic settlement generally T+2 business days, eligible instant settlements available | Instant Payout arrives within an hour. Standard payouts typically take 1 to 2 business days. |
| Withdraw via | Bank transfer | Bank payout 1-3 days, instant for fee |
| Availability | India | South Africa |
| Local to | India | South Africa |
| Founded | 2014 | 2015 |
| Headquarters | Bengaluru, India | Cape Town, South Africa |
| Popularity | 49 views · 0 likes | 45 views · 0 likes |
Frequently asked questions
Which is cheaper, Razorpay or Yoco?
On a $1,000 payment you keep about $980 on Razorpay and $970.50–$974 on Yoco, before withdrawal or currency-conversion costs.
How fast do Razorpay and Yoco pay out?
Razorpay: Standard domestic settlement generally T+2 business days, eligible instant settlements available. Yoco: Instant Payout arrives within an hour. Standard payouts typically take 1 to 2 business days.
Where are Razorpay and Yoco available?
Razorpay: India. Yoco: South Africa.