Yoco vs iKhokha Kumarestaurant | Izindleko, Izici Nokufaneleka

Ukukhetha umhlinzeki wekhadi ongafanele kusho ukubopheka ezindlekweni ezidla ama-margin amancane, ukunciphisa izindlela zokukhokha amakhasimende akho azisebenzisayo, noma ukuphoqa ukuhlanganiswa ngesandla phakathi kwe-till yakho nedivayisi yokukhokha. Amagama amabili abusa isikhala sokukhokha se-SME eNingizimu Afrika: Yoco neiKhokha. Kubanikazi bamarestaurant, umbuzo wangempela nguYoco vs iKhokha kumarestaurant: yiyiphi efanele i-till yakho, inani lakho, nesabelomali sakho?

Lolu hlahlomkhono luqhathanisa kokubili: umlando wenkampani, ihadiwe namanani, izici ezikhethekile zerestaurant, kanye nohlaka olucacile lokwenza isinqumo. Sikhombisa nokuthi kungani impendulo engcono kungenzeka ibe “akukho okukodwa kuphela” — i-POS ehlanganisa kokubili (kanye ne-PayShap, i-Ozow, i-SnapScan, ne-Capitec Pay) isusa inkinga yokukhetha okukodwa futhi ikugcina ulawula indlela okhokhwa ngayo.

Kungakhathaliseki ukuthi uvula indawo yakho yokuqala yokuhlala phansi udle, wandisa ibhizinisi lokuthatha ukudla, noma wengeza i-till yesibili ukuze ubhekane nemigqa, umlingani wokukhokha ofanele uthinta ukuthi ukhokhwa ngokushesha kangakanani, ungasala nemalini engakanani ezindlekweni, kanye nokuthi ungakwazi yini ukunikeza izindlela zokukhokha amakhasimende akho azisebenzisayo ngempela. Bobabili abahlinzeki bangabadlali abaqotho emakethe yaseNingizimu Afrika; ukukhetha okufanele kuncike osayizini wakho, isabelomali sakho, kanye nezidingo zezici.

Ukubuka Konke Kwe-Yoco

I-Yoco iyinkampani ye-fintech esekelwe eKapa, esungulwe ngo-2015. Ikhulile yaba isebenzela amabhizinisi angaphezu kuka-200,000 aseNingizimu Afrika, futhi ngaphezu kuka-80% wabathengisi bayo bamukela izinkokhelo zekhadi okokuqala. Lokho kukutshela okuthile: i-Yoco yenze ukwamukelwa kwamakhadi kufinyeleleke kumabhizinisi amancane ayekade encike enanini lemali kuphela.

Izinketho zehadiwe

I-Handheld POS, umshini omncane wokufunda amakhadi ohlanganiswa nefoni yakho ehlakaniphile noma ithebulethi, kusukela ku-R699. Ilungele isevisi yasekhawuntini, ama-pop-up, namarestaurant amancane.
I-Yoco Counter, isistimu ephelele yokuthengisa yasekhawuntini ehlanganisa umshini wekhadi i-Neo Touch, manje R2,999 (kwehle kusuka ku-R4,999). Ifanele amarestaurant amatasa afuna itherminali ezinikelwe ngaphandle kokuncika efonini.

Amanani

I-Yoco inezinhlelo ezintathu, i-Core, i-Plus, ne-Pro, futhi ukukhethwa kuncike enkokhelweni yenyanga uma kuqhathaniswa nezinga letransaksi:

Core: Ayikho inkokhelo yenyanga; izindleko zetransaksi zekhadi le-debit lasekhaya kusukela ku-2.30%.
Plus: R249/inyanga; izindleko zetransaksi zekhadi le-debit lasekhaya kusukela ku-2.10%.
Pro: R499/inyanga; izindleko zetransaksi zekhadi le-debit lasekhaya kusukela ku-1.95%.

Amazinga ehla kakhulu njengoba inani likhula kuhlelo ngalunye. Inketho “engenankokhelo yenyanga” ikhona (i-Core), kodwa akusho ukuthi ngokuzenzakalelayo iyona eshibhile lapho usunenani lekhadi langempela, njengoba i-Plus ne-Pro zishintshanisa inkokhelo yenyanga ngephesenti eliphansi ngokubalulekile. Yenza izibalo zenani lakho eliphakathi lezinkokhelo zekhadi ngenyanga ngaphambi kokucabanga ukuthi i-Core iyanqoba.

Izici ezikhethekile zerestaurant

I-Table by Yoco, isengezo sokuphatha amatafula nokuthatha ama-oda kumarestaurant okuhlala phansi udle. Abasebenzi bangathumela ama-oda ekhishini futhi balandelele isimo setafula ngefoni noma ithebulethi; uma sekuyisikhathi sokukhokha, umshini wokufunda amakhadi ukhona khona lapho. Iyasiza kokudla okuzothile nasezindaweni ezincane kuya kwezimaphakathi ezingadingi i-POS ephelele yebhizinisi elikhulu.
Uku-oda nge-inthanethi, yamukela ama-oda nezinkokhelo nge-inthanethi, okusiza ekuthengeni ukudla oluthathwayo nasekulethweni kwakho. Amakhasimende angakwazi uku-oda ngaphambili futhi akhokhe ngekhadi noma isixhumanisi se-Yoco, okunciphisa isikhathi somugqa nama-oda alahlekile.
Ukuxhumana ne-POS yakho, i-Yoco ihlanganiswa nezinhlelo eziningi ze-POS (okuhlanganisa uTafela) ukuze izinkokhelo zigeleze ngqo ku-till yakho nasekubikeni. Lokho kusho isistimu eyodwa yama-oda, i-inventory, nokungena kwemali yamakhadi — akukho ukuhlanganiswa ngesandla phakathi kwedivayisi yokukhokha ne-POS.

Izindlela zokukhokha ezisekelwayo

I-Visa, i-Mastercard, ukuthinta-uhambe (okungathintani), kanye ne-Apple Pay namanye ama-wallet edijithali. Lokho kubalulekile kumakhasimende amancane, asebenzisa amafoni ahlakaniphile kuqala.

Isivinini sokukhokha

Imali ngokuvamile ifika ku-akhawunti yakho yasebhange phakathi kwezinsuku ezingu-1–2 zebhizinisi. Lokho kuyizinga elivamile kokubili i-Yoco ne-iKhokha futhi kufana nalokho ama-SME amaningi aseNingizimu Afrika akulindele — akudingeki ukulinda isonto ukuze imali yamakhadi iqedeke.

I-Yoco: okuhle nokubi

Okuhle: Izindleko zokuqala eziphansi, ayikho inkokhelo yenyanga ohlelweni oyisisekelo, ukwethenjwa okuqinile kophawu, ukusekelwa kwe-Apple Pay, kuhle kubantu abamukela amakhadi okokuqala, ukusethwa okulula.

Okubi: Uma udinga izinhlelo zokwethembeka ezithuthukile noma izinsizakalo zangaphambi kokukhokha (i-airtime, ugesi), i-Yoco igxile kakhulu ekwamukeleni amakhadi kuphela.

Ukubuka Konke Kwe-iKhokha

I-iKhokha inehhovisi elikhulu e-Umhlanga, eduze kwaseThekwini, hhayi eKapa, futhi igxile ngqo kuma-SME aseNingizimu Afrika. I-Nedbank ithole i-iKhokha kusivumelwano esibikwe ngokuthi siyizigidigidi ezingu-R1.6 ngo-Agasti 2025. Inikeza imishini yamakhadi, isofthiwe ye-POS, kanye nohla lwezinsiza ezengeza inani ezidlula ukuthatha amakhadi kuphela.

Izinketho zehadiwe

I-iK Flyer Lite: R699 (kwehle kusuka ku-R999).
I-iK Flyer: R1,349 (kwehle kusuka ku-R1,499).
I-iK Tap on Phone: mahhala, iphendula ifoni ehlakaniphile efanele ibe umshini wokufunda amakhadi nge-app ye-iK.

Amanani: amazinga asekelwe enanini, hhayi amazinga enyanga aqinile

I-iKhokha ayikhokhisi irenti yenyanga kumishini yayo yamakhadi: “uzokuba ngumnikazi womshini wakho wekhadi, hhayi ukuwuqasha.” Kunalokho, izinga lakho letransaksi obuqhudelana nabo liyehla njengoba inani lakho lekhadi lenyanga likhula:

R0–R40k/inyanga: 2.75%
R40k–R60k/inyanga: 2.65%
R60k–R80k/inyanga: 2.55%
R80k–R100k/inyanga: 2.50%
Ngaphezu kuka-R100k/inyanga: izinga elixoxisaniwe ngokwezifiso

Isengezo sedatha esikhethekayo se-dual-SIM sibiza R75/inyanga uma ufuna ukuxhumana okwakhelwe ngaphakathi kunokuncika ku-Wi-Fi noma i-SIM yakho. Izinkokhelo ze-inthanethi zibekwa amanani ngokwehlukene (cishe u-2.85% wamakhadi, u-2% we-EFT eshesha), futhi kukhona nenkokhelo encane yokukhokha ngayinye ngetransaksi.

Izici zerestaurant

Ukwamukela amakhadi kuwo wonke amadivayisi — ukusekelwa okufanayo kwe-Visa, i-Mastercard, nokuthinta obekulindele, namatherminali afanele isevisi yasekhawuntini noma yasetafuleni.
Ukwethembeka nemivuzo, i-iKhokha inikeza amathuluzi ohlelo lokwethembeka ukuze ukwazi ukuvuza amakhasimende aphindaphindayo (isib. amaphoyinti ngokuchitha noma “thenga u-X uthole u-Y”). Lokho kungasiza ekugcineni amakhasimende ezindaweni eziqhudelanayo lapho amakhasimende enezinketho eziningi.
Izinsiza zangaphambi kokukhokha, i-airtime, ugesi, nemikhiqizo eminye yangaphambi kokukhokha kusuka kudivayisi efanayo. Kuyasiza uma irestaurant yakho futhi isebenza njengendawo yokuthenga okushesha (isib. isiteshi samatekisi, indawo yasetawuninhi) lapho amakhasimende elindele ukugcwalisa besadla. Idivayisi eyodwa, imithombo eminingi yemali engenayo.

Isivinini sokukhokha

Njenge-Yoco, ukukhokhwa kuvamise ukuba ngezinsuku ezingu-1–2 zebhizinisi. Ukulungiswa ngokushesha kusiza ngokugeleza kwemali, ikakhulukazi kumarestaurant adinga ukukhokha abahlinzeki noma abasebenzi ngesheduli eqinile.

I-iKhokha: okuhle nokubi

Okuhle: Ayikho irenti yomshini wekhadi, amazinga etransaksi athuthuka ngokuzenzakalelayo njengoba inani likhula, izici zokwethembeka, izinsiza zangaphambi kokukhokha kusuka kudivayisi eyodwa, ukugxila okusungulwe kwezama-SME.

Okubi: Ayikho uhlelo lwezinga eliqinile ongalibopha uma inani lakho lingaqagelekile; isengezo esikhethekayo se-SIM se-R75/inyanga siyinto eyengeziwe uma ufuna ukuxhumana okwakhelwe ngaphakathi.

Ukuqhathanisa Eceleni Neceleni

Isici	Yoco	iKhokha
Izindleko zehadiwe	Kusukela ku-R699 (ephethwe ngesandla); R2,999 ye-Yoco Counter	R699 (iK Flyer Lite); R1,349 (iK Flyer); mahhala (Tap on Phone)
Izinkokhelo zenyanga	Azikho ku-Core; R249 (Plus) noma R499 (Pro) ngamazinga aphansi	Azikho kunoma iyiphi izinga; R75/inyanga ngokukhethekayo yedatha ye-SIM efakwe ngaphakathi
Izindleko zetransaksi	Kusukela ku-2.30% (Core) kuya ku-1.95% (Pro), i-debit yasekhaya	2.75% kuya ku-2.50% njengoba inani lenyanga likhuphuka, bese kuba amazinga axoxisaniwe ngaphezu kuka-R100k
Isivinini sokukhokha	Izinsuku ezingu-1–2 zebhizinisi	Izinsuku ezingu-1–2 zebhizinisi
Izici zerestaurant	Table by Yoco, uku-oda nge-inthanethi, ukuhlanganiswa kwe-POS	Ukwamukela amakhadi, izinhlelo zokwethembeka, ukuhlanganiswa kwe-POS
Izinkokhelo ezisekelwayo	Visa, Mastercard, ukuthinta, Apple Pay, ama-wallet edijithali	Visa, Mastercard, ukuthinta, ama-wallet edijithali
Amandla okusebenza ngaphandle kwe-inthanethi	Kulinganiselwe (idivayisi ingase igcine ama-transaksi okwesikhashana)	Kuyahlukahluka ngedivayisi; qinisekisa ne-iKhokha
Ukwethembeka / imivuzo	Nge-POS noma inkampani yesithathu	Izinketho zohlelo lokwethembeka olwakhelwe ngaphakathi
Ukukhokha ngaphambi (i-airtime, ugesi)	Akusiyo ingqikithi	Yebo
Ifanele bani	Amarestaurant afuna ukukhethwa okusekelwe ohlelweni phakathi kwenkokhelo yenyanga nezinga	Amarestaurant afuna amazinga athuthuke ngenani ngaphandle kokubophezela ohlelweni lwenyanga

Izinombolo zingashintsha — bobabili abahlinzeki bavuselela amanani nezinhlelo, ngakho qinisekisa njalo izindleko zamanje nezindleko zehadiwe kumawebhusayithi abo (lokhu kuqhathaniswa kuhlolwe emakhasini amanani abahlinzeki bobabili ngoJulayi 2026). Okuyinhloko okumele ukuqonde: amanani e-Yoco asekelwe ohlelweni (khetha ukukhethwa kwakho kwenkokhelo yenyanga uma kuqhathaniswa nezinga kusengaphambili); awe-iKhokha asekelwe enanini (ayikho irenti yenyanga, kodwa izinga lakho lithuthuka ngokuzenzakalelayo njengoba usebenza ngokwengeziwe).

Yiluphi Olungcono Yerestaurant Yakho?

Akukho “onqobayo” oyedwa — kuncike osayizini wakho, indlela ofuna ukukhokha ngayo (ngetransaksi vs ngenyanga), nokunye okudingayo ngaphandle kokwamukela amakhadi.

Khetha i-Yoco uma…

Ufuna ukukhetha ukukhethwa kwakho phakathi kwenkokhelo yenyanga nezinga lakho letransaksi, futhi ungakwazi ukuqagela inani lakho lekhadi ngokwanele ukukhetha uhlelo olufanele.
I-Apple Pay nokuthinta-uhambe kubalulekile kumakhasimende akho. I-Yoco ibiyiqinile ekusekeleni ama-wallet, okubalulekile ezindaweni zasemadolobheni nakubadliwa abancane.
Wamukela amakhadi okokuqala futhi ufuna uphawu oluthenjwayo, oluqondile olunesisekelo esikhulu esikhona sabathengisi (i-Yoco ibika ukuthi isebenzela amabhizinisi angaphezu kuka-200,000 aseNingizimu Afrika).
Uyavuma ukwengeza ukwethembeka noma okwengeziwe nge-POS yakho kunokuthi kube ngomhlinzeki wokukhokha. Uma i-till yakho (isib. Tafela) isivele iphatha ama-promo noma ukubika, ungase ungadingi ukwethembeka okwakhelwe ngaphakathi kudivayisi yokukhokha.

Khetha i-iKhokha uma…

Ufuna izinga lakho lithuthuke ngokuzenzakalelayo njengoba ukhula ngaphandle kokukhetha uhlelo kuqala noma ukukhokha irenti komshini uqobo.
Ukwethembeka nemivuzo kumakhasimende aphindaphindayo kuyinto ephambili futhi ufuna ukuthola lokho kumhlinzeki wakho wokukhokha. Amathuluzi okwethembeka e-iKhokha akuvumela ukuqhuba izinhlelo ngaphandle kwe-app ehlukile noma imojula ye-POS.
Ufuna ukuthengisa i-airtime noma ugesi wangaphambi kokukhokha kusuka kudivayisi efanayo (isib. into elula esizakalayo kuthill). Amarestaurant amaningi ase-SA aphinde asebenze njengezindawo ezifana ne-spaza; idivayisi eyodwa yamakhadi nokukhokha ngaphambili yenza izinto zibe lula.
Inani lakho lekhadi alinakuqagelwa ngempela, ngakho uhlelo obungakwazi ukulinganisela kusengaphambili (njengasemazingeni e-Yoco) alusizi kangako kunezinga elizilungisa ngokwalo.

Kungani Kungabi Kokubili?

Nakhu okuhlekisayo: awudingi njalo ukukhetha umhlinzeki oyedwa impilo yonke. Ezinye izinhlelo ze-POS zikuvumela ukuhlanganisa abahlinzeki abaningi bokukhokha. Ngale ndlela, awusoze wabophezelwa kumhlinzeki oyedwa, futhi amakhasimende akho angakhokha ngendlela abayithandayo.

UTafela uhlanganisa ne-Yoco, i-iKhokha, i-PayShap, i-Ozow, i-SnapScan, ne-Capitec Pay kusuka ku-POS eyodwa. Ngakho ungakwazi ukwenza lokhu:

Sebenzisa i-Yoco kwitherminali eyodwa ne-iKhokha kwenye, noma ushintshe kamuva ngaphandle kokushintsha i-till yakho yonke. Uma uzama umhlinzeki oyedwa bese kamuva uthanda omunye, awubopheki — i-POS yakho ihlala injalo.
Nikeza i-EFT esheshayo esekelwe ebhange (PayShap, Ozow), i-QR (SnapScan), ne-Capitec Pay ecaleni kwekhadi. Amakhasimende amaningi aseNingizimu Afrika athanda ukukhokha nge-app yebhange yawo noma ikhodi ye-QR; ukusekela izindlela eziningi kukhulisa amathuba okuthi baqedele ukuthenga.
Gwema ukukhetha okukodwa “kokuba i-Yoco noma i-iKhokha” — sebenzisa kokubili, noma wengeze ezinye izinketho njengoba irestaurant yakho ikhula.

Uma ufuna ulwazi olwengeziwe mayelana nokukhetha uhlelo lwe-till olufanele irestaurant yakho, bheka ukuqhathaniswa kwethu kwe-izinhlelo ze-POS zamarestaurant angcono kakhulu eNingizimu Afrika. Uma ukudiliza ugesi kuyinkinga (njengoba kunjalo emarestaurant amaningi ase-SA), igaidi yethu yokudiliza ugesi yerestaurant inezeluleko ezisebenzayo. Futhi uma ucabanga nge-ukunikeza ngedijithali kumarestaurant aseNingizimu Afrika, inhlanganisela efanele ye-POS nokukhokha nayo ingakusekela lokho.

Imibuzo Evame Ukubuzwa

Ngingasebenzisa kokubili i-Yoco ne-iKhokha erestaurant yami?

Yebo. Uma i-POS yakho isekela ukuhlanganiswa kwezinkokhelo eziningi, ungasebenzisa i-Yoco kumatherminali amanye ne-iKhokha kwamanye, noma ushintshe phakathi kwazo. Tafela isekela kokubili, ngakho awuphoqelekile ukukhetha umhlinzeki oyedwa kuphela.

Yiziphi izindleko zetransaksi ze-Yoco vs iKhokha?

Amazinga e-Yoco e-debit yasekhaya asuka ku-2.30% (ayikho inkokhelo yenyanga, uhlelo lwe-Core) aye ku-1.95% (R499/inyanga, uhlelo lwe-Pro). I-iKhokha ayinayo neze inkokhelo yohlelo yenyanga: amazinga aqala ku-2.75% bese ehla aya ku-2.50% njengoba inani lakho lekhadi lenyanga lidlula u-R40k, u-R60k, no-R80k, kanti amanani axoxisaniwe angaphezu kuka-R100k/inyanga. Njalo qinisekisa amanani amanje kuwebhusayithi yomhlinzeki ngamunye, njengoba bobabili bevuselela izinhlelo zabo njalo.

Yimuphi umshini wekhadi oshibhile kakhulu emarestaurant amancane?

Ngokwezindleko eziphansi kakhulu zokuqala ngaphandle kokubophezela ohlelweni oluqhubekayo, i-iK Flyer Lite ye-iKhokha (R699) noma i-iK Tap on Phone (mahhala) kunzima ukudlula, njengoba i-iKhokha ingakaze ikhokhise irenti yomshini. Uma unenani lekhadi eliphakeme nelingaqagelwa futhi ungakwazi ukubophezela enkokhelweni yenyanga, izinhlelo ze-Plus noma i-Pro ze-Yoco zingase ziphumele phansi ekugcineni ngenxa yezinga eliphansi lephesenti. Yenza izibalo zakho uqobo ngokumelene namanani amanje ngaphambi kokunquma.

Ingabe i-Yoco ne-iKhokha ziyasebenza ngaphandle kwe-inthanethi?

Kokubili kungagcina ama-transaksi lapho ukuxhumana kulahleka bese kuwathumela lapho ukuxhumana kubuya; ukuziphatha okuqondile kuncike edivayisini nasohlelweni. Emarestaurant asezindaweni ezinamandla kagesi noma idatha engathembekile, buza umhlinzeki ngamunye mayelana namandla okusebenza ngaphandle kwe-inthanethi futhi ucabangele izinketho zokusekela (isib. ibhethri, uxhumano lwesibili). I-gaidi yethu yokudiliza ugesi yerestaurant ihlanganisa amasu kagesi nokuxhumana ukuze uqhubeke usebenza futhi uthathe izinkokhelo ngesikhathi sokuvalwa kukagesi.

Ingabe kuwufanele ukukhokha inkokhelo yenyanga ohlelweni lwe-Plus noma i-Pro lwe-Yoco?

Kuncike enanini lakho lekhadi, njengoba i-iKhokha ingenayo izinga lenkokhelo yenyanga engaqhathaniswa nayo kulo mbuzo — yi-Yoco kuphela enayo. Phindaphindanisa imali yakho evamile yekhadi yenyanga ngomehluko wezinga phakathi kwe-Core ne-Plus noma i-Pro; uma leso sindiso sidlula inkokhelo yenyanga ye-R249 noma i-R499, uhlelo oluphezulu luyazikhokhela lona. Uma inani lakho lisakhula noma lingaqagelekile, ukuhlala ku-Core (noma ukudlulela emanani asekelwe enani we-iKhokha angenayo irenti) kugwema ukubophezela enkokhelweni ongase ungayitholi emuva kwezinye izinyanga.

Isiphetho

U-Yoco vs iKhokha kumarestaurant akukhona ukuthi omunye “ungcono” — kumayelana nokufaneleka. I-Yoco (eKapa) isebenzisa amanani asekelwe ohlelweni lapho ukhetha khona ukukhethwa kwakho kwenkokhelo yenyanga uma kuqhathaniswa nezinga; i-iKhokha (e-Umhlanga, eduze kwaseThekwini) isebenzisa amanani asekelwe enani ngaphandle kwerenti yomshini namazinga ehlayo njengoba usebenza ngokwengeziwe. Kokubili kunikeza ihadiwe yezinga lokungena kusukela ku-R699 nokukhokha kwezinsuku ezingu-1–2 zebhizinisi. Awudingi ukukhetha okukodwa unaphakade: i-POS ehlanganisa i-Yoco, i-iKhokha, i-PayShap, i-Ozow, i-SnapScan, ne-Capitec Pay ikuvumela ukuxuba futhi ufanise, noma ushintshe kamuva, ngaphandle kokushintsha i-till yakho yonke.

Umshini wekhadi ongcono kakhulu wamarestaurant eNingizimu Afrika yilowo ofanele i-till yakho, amakhasimende akho, kanye nesabelomali sakho. Bona ukuthi uTafela uxhumanisa kanjani i-Yoco, i-iKhokha, nezinye izinketho zokukhokha ku-POS eyodwa, futhi ugcina i-till yakho nokubika endaweni eyodwa ukuze ukwazi ukwengeza noma ushintshe abahlinzeki bokukhokha njengoba irestaurant yakho ikhula.