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Global Payment, Clearer Costs.
Payment pricing is published in pieces, when it is published at all. A card rate is quoted as a percentage without the fixed charge, a wallet names a cap without the floor, and a great many local rails print no rate card anywhere. UnifyPay collects what can be sourced, records how well sourced it is, and shows what a specific payment would actually cost.
Three rules that decide what appears and how it is labelled.
A fee is recorded as published when it comes from a provider's own rate card, reported when it is a widely cited or regulator-set rate, and estimated when it is representative of that kind of rail in that market. The label is shown next to the number, because a confident-looking figure with nothing behind it is worse than no figure at all.
Most directories catalogue the companies a merchant signs a contract with. This one also covers the rails underneath — Whish and OMT in Lebanon, M-Pesa, Pix, UPI, SEPA, the card schemes themselves — because in many markets those are what a payment actually runs on, and what it actually costs.
Exchange-rate margins are not tracked, and on remittance rails the margin frequently costs more than the fee. Coverage is curated rather than complete. Where a rail requires something first — a crypto wallet, an account with the provider — it is marked, so it never wins a comparison it cannot honestly win.
Published rate cards are read directly from providers’ own pricing pages and re-checked on a schedule. Scheme and regulator rates — interchange caps, domestic rail pricing — come from the body that sets them. Where neither exists, a figure may be recorded as an estimate, and it is marked as one.
Fee rows are never edited in place. A change closes the previous row with a date and opens a new one, so what moved and when stays visible rather than being quietly overwritten.
We also keep a directory of companies we have not yet priced. They are listed separately, with their source, precisely so they are not mistaken for verified pricing.
If a figure here is wrong, telling us is the most useful thing you can do. Include the method, the market and a link to the provider’s own pricing, and the correction is applied with a date and a source. Get in touch.
UnifyPay is operated by UnifyPay, built by AGECH. It is independent of the providers it covers. Some outbound links are affiliate links, which is disclosed on the affiliates page — they never affect how a rail is ranked, because the ranking is computed from the fee data alone.
FX live, 150 of 153 currencies refreshed 21 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.