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What each one costs you a monthGet the Yoco Khumo 2 if you want to keep your bankGet the iKhokha iK Flyer Lite if people ask you for airtime, or you bank with NedbankIf your customers want a printed slipIf you already bank with CapitecSo which one should you get?Questions people ask about Yoco, iKhokha and Capitec
Prices & deals

What each one costs, and the extra discount on top

Yoco Khumo 2 Pays into any South African bank, with nothing monthly on the free Core plan and data at no extra cost. R100 off extra from Yoco R699 R599 Get it iKhokha iK Flyer Lite A 2.10% fee, or 1.85% on Nedbank, and it earns commission on airtime, electricity and vouchers. 10% off extra from iKhokha R699 R629 Get it Capitec Pro Device For a business whose money is already at Capitec: a 1.85% fee, with next-day payouts into a Capitec account. R699 Get it
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Comparison

Yoco vs iKhokha vs Capitec (2026): Which Should You Get?

All three card machines start at R699. What each costs a month, whether you must change banks, and which one suits your business. Verified 5 November 2026.

Lucky Mashudu Lucky Mashudu Researcher and senior editor Ranks card machines on what a year really costs
Published5 Nov 2026 Prices verified5 Nov 2026 Read4 min

Some links here are referral links, and where a provider gives our readers a better price than its own site, that is the price you get by using one. It costs you nothing extra, and every option here is judged on the same test either way.

Yoco vs iKhokha vs Capitec (2026): Which Should You Get?

You've probably got it down to these three because they're the names you keep hearing. All three sell a card machine for R699, with no contract and nothing to rent, so the price of the machine won't help you choose.

What separates them is what you pay each month, which bank your money goes to, and what else the machine can do. iKhokha also dropped its fee this month, so this looks different from how it did in October. If you've already ruled out Capitec, I've gone through the other two in full in Yoco vs iKhokha.

What each one costs you a month

Each company adds different things to its fee, so the lowest fee isn't always the lowest bill. Here's what you'd pay a month with everything added, at the kinds of card sales most small businesses have.

What you'd pay a month with each one

Confirmed on 5 November 2026
Yoco Khumo 2 iKhokha iK Flyer Lite Capitec Pro
Machine, once R699 R699 R699
Fee on local cards 2.30% 2.10%, or 1.85% on Nedbank 1.85%
Added each month Nothing About R65 in payouts, and R75 for SIMs unless you use Wi-Fi R50 for a business account
Pays into Any bank Any bank A Capitec account only
A month at R5 000 R132 R261, or R186 on Wi-Fi R156
A month at R10 000 R265 R382, or R307 on Wi-Fi R263
A month at R20 000 R529 R623, or R548 on Wi-Fi R476
A month at R50 000 R1 323 R1 348, or R1 273 on Wi-Fi R1 114

Our sums, with VAT on the fees, and 26 payouts a month for iKhokha. A sole trader not registered with CIPC can use a personal Capitec account and skip the R50.← scroll sideways on a narrow screen →

At low sales, Yoco has the lowest bill, because nothing is added to its fee. As you sell more, iKhokha's lower fee closes that gap, and on your own Wi-Fi the two meet at about R28 000 a month. With its SIMs, they meet at about R60 000.

Capitec's bill is lower than both above about R10 000 a month. But that only helps if your money can go into a Capitec account, so it's mainly worth weighing if you already bank there.

Those are round numbers, so here's a slider for your own.

What each one costs at your card sales Rates confirmed 5 Nov 2026
R20 000
  • Yoco2.30% + R0/moWhere it wins: nothing added each month, and it pays into any bank R460
  • iKhokha2.10% + R140/moWhere it wins: 1.85% and same-day money on Nedbank, and commission on prepaid R560
  • Capitec1.85% + R50/mo accountWhere it wins: if your money already sits in a Capitec account R420

Capitec becomes the cheaper one above about R11 100 a month. The answer changes with how you trade, not with who is paying us.

Local-card fees, excluding VAT, plus iKhokha's R75 SIMs and about R65 in payouts, and Capitec's R50 account. Above R50 000 a month, the fees are for debit cards. With VAT on the fees, Yoco and Capitec meet at about R10 000 a month.

Capitec wins on fees here. It costs you R140 less a month than the most expensive here

That is R1 680 over a year at this turnover, before any of them negotiates.

See Capitec

Get the Yoco Khumo 2 if you want to keep your bank

This is the one I'd get for most small businesses. You don't have to move your banking, so the money lands in the account you already pay your rent and suppliers from. There's nothing to pay in a quiet month, and if you run your business in your own name, Yoco says a personal bank account is fine.

You also get a free point-of-sale app with stock counts, invoices and payment links, so you can get paid by someone who isn't standing in front of you. And Yoco gives you R100 off the Khumo 2 if you use the discount link here, which brings it to R599.

Yoco Khumo 2

Yoco Khumo card machine

Accepts

  • Tap, chip & swipe
  • Visa
  • Mastercard
  • Amex
  • SASSA
  • Apple Pay
  • Google Pay
  • Samsung Pay
✓ Price last confirmed on 14 October 2026

Who it's for

Pays into any South African bank, with nothing monthly on the free Core plan and data at no extra cost.

  • Monthly Data FeeR0 (on standard Core plan)
  • Transaction Fee2.30% (excl. VAT) local cards; 1.35% on debit above R50k/month
  • ConnectivityDual SIM 4G & WiFi
  • PrinterNone (Digital receipts via SMS/Email)
R699Yoco's price today R599your price R100 off

What you get with the extra Yoco discount

  • R100 off your card machine, which Yoco takes off when you sign up with the discount link here
And everything Yoco gives everyone
  • Sign up in 5 minutes, and it works with the bank account you already have
  • Paid out in 1 to 2 business days into that same account
  • A 1-year warranty and a 30-day money-back guarantee

Confirmed on 4 November 2026

Buy it now Read the review

you'll go to www.yoco.com's sign-up page with your extra R100 discount applied

What the Yoco Khumo 2 works withPOS software and accounting

What Yoco works withConfirmed 7 Oct 2026

  • POS software

    On any Yoco plan

    • LightspeedConnected
    • LoyverseConnected
    • TallOrderConnected
    • SalonBridgeComing soon

  • Accounting

    Needs the Plus plan, R249 a month

    • XeroConnected
    • SageConnected
    • QuickBooksConnected
    • StubConnected

The free payout takes one to two business days, and next-morning money through Fast Payout costs 0.75% plus VAT. You can see what each Yoco plan costs, or read my full Yoco review.

Get the iKhokha iK Flyer Lite if people ask you for airtime, or you bank with Nedbank

iKhokha's machine can do something the other two can't: sell airtime, data, electricity and vouchers. It pays you 3% on airtime when the customer pays cash, 2% when they pay by card, and 1% on electricity. So on a counter where people already ask, selling about R2 700 of airtime for cash a month covers the R80 it costs more than Yoco at R30 000 in card sales.

If you bank with Nedbank, the case gets stronger. Your fee drops to 1.85%, you keep your bank, and you get paid the same day. On Wi-Fi, that comes to about R491 a month at R20 000 in card sales. On FNB or Absa, your money comes the next business day, for R2.50 a day. And iKhokha gives you 10% off with the discount link here, which brings the Lite to about R629.

iKhokha iK Flyer Lite

iKhokha iK Flyer Lite card machine

Accepts

  • Tap & chip
  • Visa
  • Mastercard
  • Amex
  • Apple Pay
  • Google Pay
✓ Price last confirmed on 24 September 2026

Who it's for

A 2.10% fee, or 1.85% on Nedbank, and it earns commission on airtime, electricity and vouchers.

  • Data FeeR75/month (optional dual SIM)
  • Transaction FeeFrom 2.75% (excl. VAT), drops with volume
  • ConnectivityWiFi and Optional 4G
  • PrinterNone
R699on sale from R999 R629your price 10% off

What iKhokha gives everyone

  • Unlimited digital invoices, free, from the iK Invoice tool
  • Same-day payouts, twice a day, on Nedbank or the iK Debit Card for sole traders, at R2.50 a day

Confirmed on 4 November 2026

Buy it now Read the review

you'll go to www.ikhokha.com's sign-up page with your extra 10% discount applied

Before you buy, know that you pay for prepaid stock with your own money first, and your commission comes through in the first week of the next month. You can see what iKhokha charges now, or read my full iKhokha review.

If your customers want a printed slip

The Yoco Khumo Print 2 is R1 399 and the iKhokha iK Flyer is R1 499, with the same fees as above. The iK Flyer also prints prepaid vouchers, so buy it if you sell those and people want them on paper.

If you already bank with Capitec

If your business money is already at Capitec, its machine is a sensible choice. The fee is 1.85%, there's no monthly fee on the machine, the data is included, and it pays you free the next day, weekends too.

The main thing to know is that your money only goes into a Capitec account. A business registered with CIPC needs a Capitec business account, at R50 a month. So if you bank anywhere else, you'd have to move money across each time or move your banking, and I wouldn't do that to save R53 a month at R20 000 in card sales.

Capitec Pro Device

Capitec Pro Device

For a business whose money is already at Capitec: a 1.85% fee, with next-day payouts into a Capitec account.

R699once-off
Compare it with Yoco

So which one should you get?

If you're still unsure, three things decide it: who you bank with, whether people ask you for prepaid, and how much you sell on card. Answer those below and you'll get one machine, with the reason.

Interactive · under a minute

Which one suits you?

Your bank, prepaid and your card sales.

1Who does your business bank with?

2Do people ask you for airtime or electricity?

3What are your card sales in a month?

Before you answer

For most small businesses, the Yoco Khumo 2

It pays into any bank, charges nothing monthly and includes its data.

The trade-off: if people ask you for prepaid, or you bank with Nedbank, iKhokha can earn or save you more.

Get R100 off Get 10% off Get R100 off Read about Capitec

Prices and fees last confirmed on 5 November 2026.

If you're now down to Yoco or iKhokha, Yoco vs iKhokha goes through support, payouts and lending in full.

Questions people ask about Yoco, iKhokha and Capitec

Which is cheapest: Yoco, iKhokha or Capitec?

It depends on your card sales and your bank.

At low sales, Yoco has the lowest bill, because nothing is added to its 2.30% fee. iKhokha's 2.10% fee is lower, or 1.85% on Nedbank, and on your own Wi-Fi its bill meets Yoco's at about R28 000 a month. Capitec's 1.85% comes out lower above about R10 000 a month, but it only pays into a Capitec account. Confirmed 5 November 2026.

Can I use a personal bank account?

If you run your business in your own name, Yoco says a personal bank account is fine.

iKhokha asks for an account in the business's name, or you can open a free GoTyme account for its iK Debit Card. Capitec accepts a personal Capitec account. A company registered with CIPC needs a business account with all three.

Which one pays out the fastest?

Yoco's Instant Payout lands within minutes for anyone, from R17.25 a payout.

iKhokha pays the same day on Nedbank or its iK Debit Card for R2.50 a payout, with no percentage. Capitec's free payout comes the next day, including weekends and public holidays, into a Capitec account.

1 more question

Which one can sell airtime and electricity?

Only iKhokha, of these three.

It pays commission of 3% on airtime when the customer pays cash, 2% when they pay by card, and 1% on electricity. You buy the prepaid balance with your own money first.

Mentioned in this comparison

Where the deals are

Deals confirmed 24 Sep 2026