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Global payment fee comparison
Compare fees across providers, countries and payment methods, with the caps and flat charges that decide what you actually pay, before you pay.
Cards, wallets, bank rails, mobile money and more
Countries and territories
Banks, fintechs and payment companies
Ranked by real cost
Ranked by the fee actually charged, not the headline rate: a capped percentage or a flat fee changes the ordering completely as the amount moves.
History
Zero-MDR mandates, interchange caps, Brexit reclassification, pandemic fee waivers: each one shows up as a step in the record. Every rate change is kept, with the reason where it is known.
Every rate is tied to a market, a currency and a channel. Online, card-present, payout, refund, chargeback and currency conversion are priced separately, because they are.
Browse methodsRates are stored as an append-only record: each level holds until it is replaced. Movement is shown both in percentage points and as a relative change, because those are different numbers.
Create an account with your email and a password, confirmed by a one-time code each time you sign in. Record the payments you take or make, and UnifyPay computes the fee that applied on the day each one happened, then shows you what that rail charges now.
FAQ
Current rates and their history
Digital wallet
Record your own transactions and each is priced with the rate in force on its date. A later repricing never rewrites your history, and you can see how today's rate compares.
Track transactionsA free reference for what payments cost: the fees on cards, wallets, bank rails, mobile money and money transfer services, market by market, with the date each fee took effect and how it was sourced.
Each rail's terms in a market, a percentage, a fixed amount, and any minimum, maximum or amount bands, are applied to the amount you enter. The fee divided by the amount is the effective rate you can compare.
Yes. Comparisons, exchange rates and the validators and calculators in Tools are free, with no sign-up. An account is only needed to record your own transactions.
From providers' own published pricing wherever it exists, otherwise from schemes, regulators or wide documentation, and otherwise from labelled estimates. Every figure says which of the three it is.
Exchange rates refresh once a day. Where we track a provider's pricing page it is re-read daily, and a changed fee goes live once a person has reviewed it. Every fee shows the date it took effect.
No. The fees are what each rail charges. A provider's exchange-rate margin is extra, and the exchange-rate markup calculator helps you measure it on a real quote.
