Comparison
TheCoins vs Yoco
Yoco is a South African payments company with card machines, a POS app, payment links and business financing, serving more than 200,000 merchants. TheCoins is a different category: it does not process card payments or sell card machines, and it runs your online store, ordering, loyalty, branded app and Apple Wallet cards.
- No per-order commission
- Store, app and loyalty in one
- Arabic and English
Brands selling in their own name with TheCoins
- Don
- Oak Bay
- Al-Abdeen
- 280°F
- Lokal
- SG Mart
- Khamato
| Feature | TheCoins | Yoco |
|---|---|---|
| Category | Online store, ordering, loyalty, branded app and campaigns | Card payments, card machines and POS software |
| Card machines | Not sold; TheCoins takes payment through the provider you connect | Khumo 2 from R699 and Khumo Print 2 at R1,399 once-off, no monthly rental |
| Fees | Monthly plan, no per-order commission; your payment provider's fees apply | Card fees from 2.30% on Core under R50,000 a month; online payments cost 0.5% more than card machine fees |
| Loyalty program | Coins, tiers, referrals and rewards; works online, in branches and in your app | Card-linked points: Yoco recognises the customer's card at the till; Plus plan |
| Apple Wallet cards | Loyalty and gift cards included | Not listed |
| Online selling | Online store, ordering links and QR codes on every plan | Payment links, digital invoices and an e-commerce plugin; no store builder listed |
| Restaurants | Ordering, kiosks and a branded iOS and Android app (Pro plan) | Quick-service and sit-down modes, table-side ordering on Khumo 2 (table management on Pro) |
| Customer messaging | WhatsApp, SMS, email and push journeys | Not listed on the plan pages |
| Published pricing | Basic $79, Growth $199, Pro $349 a month, billed in USD | Core R0, Plus R249, Pro R499 a month per location, plus transaction fees |
Last reviewed 28 October 2026. Competitor plans change often; check their current pages before deciding.
Which one fits you?
Choose TheCoins if
- You already take payments and want an online store, ordering links and a branded app on top.
- You want loyalty that works the same in branches, online and in your app, with Apple Wallet cards.
- You want WhatsApp, SMS, email and push journeys, or you sell in more than one country.
Choose Yoco if
- You need to accept card payments in South Africa, at the counter or on the move, without a contract.
- You want a POS with table service or quick-service modes from your payment provider.
- Card-linked loyalty that needs no sign-up is enough for your customers.
Sources
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Questions, answered.
Is TheCoins a replacement for Yoco?
No. TheCoins does not process card payments or sell card machines. Merchants who need card payments keep a provider such as Yoco and use TheCoins for the store, ordering, loyalty and app. Ask our team how payments would work in your setup.
Does Yoco have a loyalty program?
Yes. Since June 2026 Yoco offers card-linked loyalty on its Plus plan: customers earn points when they pay with the same bank card. TheCoins adds tiers, referrals, Apple Wallet cards and rewards that also work online.
How much does Yoco cost?
Yoco lists Core at R0, Plus at R249 and Pro at R499 a month per location, plus card fees that start at 2.30% on Core under R50,000 a month. Check Yoco's pricing page for current rates.
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