Overview
VibeFox Yoco Pay Gateway adds card and Instant EFT payments in South African rand (ZAR) through the Yoco Checkout API to Magento Open Source and Adobe Commerce. The customer chooses Yoco at the payment step and clicks Place Order. Magento places the order in Pending Payment, and the customer goes to the Yoco-hosted payment page, pays there by card or Instant EFT and comes back to your store. Card data never touches your site. The order is invoiced only after Yoco confirms the payment, and the order e-mail is sent only then.
It suits South African stores that sell in ZAR and have a Yoco account with online payments. The module takes one-time payments only. It has no saved cards, subscriptions, on-site card form or separate authorize and capture, it is not offered for orders created in the Admin, and it works only in ZAR, with a minimum order total of R2.00.
Key features
Yoco hosted checkout: a Yoco checkout is created for the order total in cents. A repeated request after a double click or a lost answer gets the same checkout, not a second one.
Paid only when Yoco confirms: the module asks Yoco for the checkout status when the customer returns and when a signed webhook arrives. The invoice with the Yoco payment ID is created only when Yoco reports the checkout as completed.
Webhooks set up for you: when you save a secret key, the module registers its webhook URL with Yoco for that mode and stores the signing secret encrypted. Webhooks without a valid signature are rejected.
Amount and currency check: a payment with a different amount or currency puts the order On Hold with a note and without an invoice. A payment for a cancelled or refunded order does not reopen it.
No double processing: a webhook and the customer's return arriving at the same moment are handled one after the other. Repeated confirmations never invoice an order twice, and a cart that is already paid cannot start another payment.
Online refunds with Credit Memo: full and partial refunds through the standard Magento Credit Memo of the invoice with Refund, in the mode the payment was made in. Refunds made in the Yoco portal are recorded as credit memos automatically.
Test and live modes: separate secret keys and webhook secrets for each mode. A key with the wrong prefix is not saved, and a test payment never confirms a live one.
Standard Magento settings: all settings are on the standard Payment Methods configuration page, with encrypted keys, the webhook URL and its state for each mode shown on the page, countries and minimum and maximum order totals, and a log with keys and e-mail addresses masked.
Requirements
Magento Open Source or Adobe Commerce 2.4.6 to 2.4.9 (your own server or Adobe Commerce on cloud infrastructure; not Adobe Commerce as a Cloud Service), PHP 8.1 to 8.4. Orders in South African rand (ZAR). A Yoco account with online payments and its secret keys. A VibeFox license key from vibefox.net (one key per domain).