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🔒 How Yoco Processes Payments — Secure & TrustedWhen you pay with your card at checkout, Yoco acts as the payment gateway that securely handles your card transaction from start to finish. A payment gateway like Yoco captures your card information, encrypts it, and sends it to the issuing bank for approval — all in real time. Shopify automatically manages the technical connection between your store and Yoco, so the process is seamless and secure for customers. 🛡 Industry-Level Security StandardsYoco uses internationally recognised security standards to protect your payment data:PCI DSS Compliance: Yoco meets the Payment Card Industry Data Security Standard (PCI DSS), which is the global standard for secure payment processing. This means the way cardholder data is handled — from capture to transmission — follows strict rules designed to prevent data breaches. 3D Secure Authentication: Online transactions processed through Yoco are backed by 3D Secure, a layer of authentication built into credit and debit card payments that reduces fraud by verifying the cardholder before the payment is approved. EMV & Encryption: Whether online or in person, Yoco payments are processed using EMV (chip-and-PIN/contactless) standards, and data is encrypted throughout the transaction flow, ensuring sensitive details are securely protected. 📊 Ongoing Fraud MonitoringYoco also uses automated systems to monitor transactions for unusual behaviour and potential fraud. If suspicious activity is detected, additional safeguards help protect both the merchant and the customer by flagging or blocking risky transactions. 🧾 Quick and Transparent SettlementOnce a payment is approved, funds are typically settled into the merchant’s bank account within two business days for online transactions. Yoco also provides real-time notifications through its app or dashboard so merchants know immediately when a payment is successful.