Yoco Card Machine Contact Details

A chargeback can be taken back out of your account weeks after a sale. If a customer disputes a card payment and the bank finds for them, the money is reversed from the merchant, not from the card scheme. Small traders discover this the first time it happens.

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What to establish before signing up

Compare the total cost of accepting a payment, not the headline rate.

• The percentage per transaction, and whether it differs for credit, debit and international cards.
• How long settlement takes, since cash flow depends on it more than on the fee.
• Whether the device is bought, rented or tied to a contract, and what happens if you stop trading.
• How disputes and chargebacks are handled, and what evidence you must keep.

Protecting yourself

Keep signed slips and delivery proof, since a chargeback is decided on documents. Be cautious with unusually large card-not-present orders, and with a customer who wants goods released before funds reflect.

Never let a card leave the customer’s sight, and never take a photograph of card details. Keep business and personal accounts separate, and remember SARS requires records for five years. Verified 26 August 2026.