Cheapest

The cheapest way to receive a payment, by country

One row per market, showing the lowest-cost rail a merchant can actually accept. Every figure is priced on the equivalent of $100 converted into the local currency, so a market with a small unit is not made to look expensive by arithmetic.

236markets covered

• Markets ranked236With an acceptable rail
• Free at the point of use32Cheapest option costs nothing
• Median cheapest rate3.68%Across every market

The cheapest way to receive a payment in each market

#	Country	Region	Cheapest method	Effective on $100	Basis	Market page
1	Afghanistan	Southern Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
2	Åland Islands	Northern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
3	Albania	Southeast Europe	Visa / Mastercard International acceptance	3.70%	estimated	View details
4	Algeria	Northern Africa	ALEdahabia / CIB	1.20%	estimated	View details
5	American Samoa	Polynesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
6	Andorra	Southern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
7	Angola	Middle Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
8	Anguilla	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
9	Antigua and Barbuda	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
10	Argentina	South America	Rapipago / Pago Fácil	3.50%	estimated	View details
11	Armenia	Western Asia	Mir	1.30%	estimated	View details
12	Aruba	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
13	Australia	Australia and New Zealand	AUPayID / NPP	0.21%	estimated	View details
14	Austria	Central Europe	SEPA Request-to-Pay	0.17%	estimated	View details
15	Azerbaijan	Western Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
16	Bahamas	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
17	Bahrain	Western Asia	BenefitPay	0.50%	estimated	View details
18	Bangladesh	Southern Asia	TapTap Send	0.00%	reported	View details
19	Barbados	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
20	Belarus	Eastern Europe	Mir	1.30%	estimated	View details
21	Belgium	Western Europe	SEPA Request-to-Pay	0.17%	estimated	View details
22	Belize	Central America	Visa / Mastercard International acceptance	3.70%	estimated	View details
23	Benin	Western Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
24	Bermuda	North America	Visa / Mastercard International acceptance	3.70%	estimated	View details
25	Bhutan	Southern Asia	NPRuPay	0.60%	reported	View details
26	Bolivia	South America	Visa / Mastercard International acceptance	3.68%	estimated	View details
27	Bosnia and Herzegovina	Southeast Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
28	Botswana	Southern Africa	Orange Money	1.50%	estimated	View details
29	Brazil	South America	TapTap Send	0.00%	reported	View details
30	British Indian Ocean Territory	Eastern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
31	British Virgin Islands	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
32	Brunei	South-Eastern Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
33	Bulgaria	Southeast Europe	Revolut Pay	1.11%	estimated	View details
34	Burkina Faso	Western Africa	Wave	1.00%	reported	View details
35	Burundi	Eastern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
36	Cambodia	South-Eastern Asia	UnionPay	0.60%	reported	View details
37	Cameroon	Middle Africa	TapTap Send	0.00%	reported	View details
38	Canada	North America	Interac Debit	0.05%	reported	View details
39	Cape Verde	Western Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
40	Caribbean Netherlands	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
41	Cayman Islands	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
42	Central African Republic	Middle Africa	Orange Money	1.50%	estimated	View details
43	Chad	Middle Africa	Airtel Money	1.50%	estimated	View details
44	Chile	South America	Webpay Plus	2.95%	estimated	View details
45	China	Eastern Asia	ANAlipay	0.60%	estimated	View details
46	Colombia	South America	TapTap Send	0.00%	reported	View details
47	Comoros	Eastern Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
48	Cook Islands	Polynesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
49	Costa Rica	Central America	Visa / Mastercard International acceptance	3.70%	estimated	View details
50	Croatia	Southeast Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
51	Cuba	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
52	Curaçao	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
53	Cyprus	Southern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
54	Czechia	Central Europe	SEPA Credit Transfer	0.01%	estimated	View details
55	Denmark	Northern Europe	SEPA Credit Transfer	0.04%	estimated	View details
56	Djibouti	Eastern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
57	Dominica	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
58	Dominican Republic	Caribbean	TapTap Send	0.00%	reported	View details
59	DR Congo	Middle Africa	TapTap Send	0.00%	reported	View details
60	Ecuador	South America	TapTap Send	0.00%	reported	View details
61	Egypt	Northern Africa	TapTap Send	0.00%	reported	View details
62	El Salvador	Central America	Visa / Mastercard International acceptance	3.70%	estimated	View details
63	Equatorial Guinea	Middle Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
64	Eritrea	Eastern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
65	Estonia	Northern Europe	Trustly	1.12%	estimated	View details
66	Eswatini	Southern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
67	Ethiopia	Eastern Africa	TapTap Send	0.00%	reported	View details
68	Falkland Islands	South America	Visa / Mastercard International acceptance	3.69%	estimated	View details
69	Faroe Islands	Northern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
70	Fiji	Melanesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
71	Finland	Northern Europe	SEPA Request-to-Pay	0.17%	estimated	View details
72	France	Western Europe	SEPA Request-to-Pay	0.17%	estimated	View details
73	French Guiana	South America	Visa / Mastercard International acceptance	3.69%	estimated	View details
74	French Polynesia	Polynesia	Visa / Mastercard International acceptance	3.69%	estimated	View details
75	Gabon	Middle Africa	Airtel Money	1.50%	estimated	View details
76	Gambia	Western Africa	Mobile money interoperability (PAPSS)	0.50%	estimated	View details
77	Georgia	Western Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
78	Germany	Western Europe	SEPA Request-to-Pay	0.17%	estimated	View details
79	Ghana	Western Africa	TapTap Send	0.00%	reported	View details
80	Gibraltar	Southern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
81	Greece	Southern Europe	Revolut Pay	1.22%	estimated	View details
82	Greenland	North America	Visa / Mastercard International acceptance	3.69%	estimated	View details
83	Grenada	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
84	Guadeloupe	Caribbean	Visa / Mastercard International acceptance	3.69%	estimated	View details
85	Guam	Micronesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
86	Guatemala	Central America	TapTap Send	0.00%	reported	View details
87	Guernsey	Northern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
88	Guinea	Western Africa	Mobile money interoperability (PAPSS)	0.50%	estimated	View details
89	Guinea-Bissau	Western Africa	Orange Money	1.50%	estimated	View details
90	Guyana	South America	Visa / Mastercard International acceptance	3.70%	estimated	View details
91	Haiti	Caribbean	TapTap Send	0.00%	reported	View details
92	Honduras	Central America	TapTap Send	0.00%	reported	View details
93	Hong Kong	Eastern Asia	HKFPS (Faster Payment System)	0.13%	estimated	View details
94	Hungary	Central Europe	Revolut Pay	1.00%	estimated	View details
95	Iceland	Northern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
96	India	Southern Asia	Google Pay	0.00%	estimated	View details
97	Indonesia	South-Eastern Asia	QRIS	0.70%	reported	View details
98	Iran	Southern Asia	Visa / Mastercard International acceptance	3.66%	estimated	View details
99	Iraq	Western Asia	Whish Money	1.00%	estimated	View details
100	Ireland	Northern Europe	SEPA Request-to-Pay	0.17%	estimated	View details
101	Isle of Man	Northern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
102	Israel	Western Asia	bit	0.70%	estimated	View details
103	Italy	Southern Europe	SEPA Request-to-Pay	0.17%	estimated	View details
104	Ivory Coast	Western Africa	TapTap Send	0.00%	reported	View details
105	Jamaica	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
106	Japan	Eastern Asia	UnionPay	0.60%	reported	View details
107	Jersey	Northern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
108	Jordan	Western Asia	Orange Money	1.50%	estimated	View details
109	Kazakhstan	Central Asia	UnionPay	0.60%	reported	View details
110	Kenya	Eastern Africa	TapTap Send	0.00%	reported	View details
111	Kiribati	Micronesia	Visa / Mastercard International acceptance	3.69%	estimated	View details
112	Kosovo	Southeast Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
113	Kuwait	Western Asia	KNKNET	0.32%	reported	View details
114	Kyrgyzstan	Central Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
115	Laos	South-Eastern Asia	UnionPay	0.60%	reported	View details
116	Latvia	Northern Europe	Trustly	1.12%	estimated	View details
117	Lebanon	Western Asia	TapTap Send	0.00%	reported	View details
118	Lesotho	Southern Africa	M-Pesa (regional markets)	1.20%	estimated	View details
119	Liberia	Western Africa	Mobile money interoperability (PAPSS)	0.50%	estimated	View details
120	Libya	Northern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
121	Liechtenstein	Western Europe	TWINT	1.30%	estimated	View details
122	Lithuania	Northern Europe	Trustly	1.12%	estimated	View details
123	Luxembourg	Western Europe	SEPA Request-to-Pay	0.17%	estimated	View details
124	Macau	Eastern Asia	UnionPay	0.60%	reported	View details
125	Madagascar	Eastern Africa	Airtel Money	1.50%	estimated	View details
126	Malawi	Eastern Africa	Flutterwave	1.40%	published	View details
127	Malaysia	South-Eastern Asia	FPX	0.25%	reported	View details
128	Maldives	Southern Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
129	Mali	Western Africa	TapTap Send	0.00%	reported	View details
130	Malta	Southern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
131	Marshall Islands	Micronesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
132	Martinique	Caribbean	Visa / Mastercard International acceptance	3.69%	estimated	View details
133	Mauritania	Western Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
134	Mauritius	Eastern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
135	Mayotte	Eastern Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
136	Mexico	North America	BACoDi	0.00%	reported	View details
137	Moldova	Eastern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
138	Monaco	Western Europe	GRCartes Bancaires	0.61%	reported	View details
139	Mongolia	Eastern Asia	UnionPay	0.60%	reported	View details
140	Montenegro	Southeast Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
141	Montserrat	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
142	Morocco	Northern Africa	TapTap Send	0.00%	reported	View details
143	Mozambique	Eastern Africa	M-Pesa (regional markets)	1.20%	estimated	View details
144	Myanmar	South-Eastern Asia	UnionPay	0.60%	reported	View details
145	Namibia	Southern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
146	Nauru	Micronesia	Visa / Mastercard International acceptance	3.69%	estimated	View details
147	Nepal	Southern Asia	TapTap Send	0.00%	reported	View details
148	Netherlands	Western Europe	SEPA Request-to-Pay	0.17%	estimated	View details
149	New Caledonia	Melanesia	Visa / Mastercard International acceptance	3.69%	estimated	View details
150	New Zealand	Australia and New Zealand	Wise International transfer	0.89%	estimated	View details
151	Nicaragua	Central America	Visa / Mastercard International acceptance	3.70%	estimated	View details
152	Niger	Western Africa	Airtel Money	1.50%	estimated	View details
153	Nigeria	Western Africa	TapTap Send	0.00%	reported	View details
154	Niue	Polynesia	Visa / Mastercard International acceptance	3.69%	estimated	View details
155	North Korea	Eastern Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
156	North Macedonia	Southeast Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
157	Northern Mariana Islands	Micronesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
158	Norway	Northern Europe	Trustly	0.92%	estimated	View details
159	Oman	Western Asia	Network International	2.76%	estimated	View details
160	Pakistan	Southern Asia	TapTap Send	0.00%	reported	View details
161	Palau	Micronesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
162	Palestine	Western Asia	Visa / Mastercard International acceptance	3.69%	estimated	View details
163	Panama	Central America	Visa / Mastercard International acceptance	3.70%	estimated	View details
164	Papua New Guinea	Melanesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
165	Paraguay	South America	Visa / Mastercard International acceptance	3.69%	estimated	View details
166	Peru	South America	BAYape	0.50%	estimated	View details
167	Philippines	South-Eastern Asia	TapTap Send	0.00%	reported	View details
168	Poland	Central Europe	SEPA Credit Transfer	0.06%	estimated	View details
169	Portugal	Southern Europe	SEPA Request-to-Pay	0.17%	estimated	View details
170	Puerto Rico	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
171	Qatar	Western Asia	Network International	2.75%	estimated	View details
172	Republic of the Congo	Middle Africa	Airtel Money	1.50%	estimated	View details
173	Réunion	Eastern Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
174	Romania	Southeast Europe	SEPA Credit Transfer	0.05%	estimated	View details
175	Russia	Eastern Europe	UnionPay	0.60%	reported	View details
176	Rwanda	Eastern Africa	Mobile money interoperability (PAPSS)	0.50%	estimated	View details
177	Saint Barthélemy	Caribbean	Visa / Mastercard International acceptance	3.69%	estimated	View details
178	Saint Helena, Ascension and Tristan da Cunha	Western Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
179	Saint Kitts and Nevis	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
180	Saint Lucia	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
181	Saint Martin	Caribbean	Visa / Mastercard International acceptance	3.69%	estimated	View details
182	Saint Pierre and Miquelon	North America	Visa / Mastercard International acceptance	3.69%	estimated	View details
183	Saint Vincent and the Grenadines	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
184	Samoa	Polynesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
185	San Marino	Southern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
186	São Tomé and Príncipe	Middle Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
187	Saudi Arabia	Western Asia	SASADAD	0.27%	estimated	View details
188	Senegal	Western Africa	TapTap Send	0.00%	reported	View details
189	Serbia	Southeast Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
190	Seychelles	Eastern Africa	Airtel Money	1.50%	estimated	View details
191	Sierra Leone	Western Africa	Mobile money interoperability (PAPSS)	0.50%	estimated	View details
192	Singapore	South-Eastern Asia	PayNow	0.16%	estimated	View details
193	Sint Maarten	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
194	Slovakia	Central Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
195	Slovenia	Central Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
196	Solomon Islands	Melanesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
197	Somalia	Eastern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
198	South Africa	Southern Africa	Mobile money interoperability (PAPSS)	0.50%	estimated	View details
199	South Korea	Eastern Asia	UnionPay	0.60%	reported	View details
200	South Sudan	Middle Africa	Visa / Mastercard International acceptance	3.68%	estimated	View details
201	Spain	Southern Europe	SEPA Request-to-Pay	0.17%	estimated	View details
202	Sri Lanka	Southern Asia	TapTap Send	0.00%	reported	View details
203	Sudan	Northern Africa	Visa / Mastercard International acceptance	3.70%	estimated	View details
204	Suriname	South America	Visa / Mastercard International acceptance	3.70%	estimated	View details
205	Sweden	Northern Europe	SEPA Credit Transfer	0.03%	estimated	View details
206	Switzerland	Western Europe	Klarna Pay Now (Sofort)	1.21%	estimated	View details
207	Syria	Western Asia	Whish Money	1.00%	estimated	View details
208	Taiwan	Eastern Asia	ShopeePay	2.00%	estimated	View details
209	Tajikistan	Central Asia	Mir	1.30%	estimated	View details
210	Tanzania	Eastern Africa	TapTap Send	0.00%	reported	View details
211	Thailand	South-Eastern Asia	BAPromptPay	0.00%	reported	View details
212	Timor-Leste	South-Eastern Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
213	Togo	Western Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
214	Tonga	Polynesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
215	Trinidad and Tobago	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
216	Tunisia	Northern Africa	Visa / Mastercard International acceptance	3.69%	estimated	View details
217	Türkiye	Western Asia	Wise International transfer	0.89%	estimated	View details
218	Turkmenistan	Central Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
219	Turks and Caicos Islands	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
220	Tuvalu	Polynesia	Visa / Mastercard International acceptance	3.69%	estimated	View details
221	Uganda	Eastern Africa	TapTap Send	0.00%	reported	View details
222	Ukraine	Eastern Europe	Visa / Mastercard International acceptance	3.70%	estimated	View details
223	United Arab Emirates	Western Asia	UnionPay	0.60%	reported	View details
224	United Kingdom	Northern Europe	Faster Payments (UK)	0.27%	estimated	View details
225	United States	North America	ACH Direct Debit (US)	0.80%	estimated	View details
226	United States Virgin Islands	Caribbean	Visa / Mastercard International acceptance	3.70%	estimated	View details
227	Uruguay	South America	Visa / Mastercard International acceptance	3.70%	estimated	View details
228	Uzbekistan	Central Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
229	Vanuatu	Melanesia	Visa / Mastercard International acceptance	3.70%	estimated	View details
230	Vatican City	Southern Europe	Visa / Mastercard International acceptance	3.69%	estimated	View details
231	Venezuela	South America	Visa / Mastercard International acceptance	3.68%	estimated	View details
232	Vietnam	South-Eastern Asia	TapTap Send	0.00%	reported	View details
233	Wallis and Futuna	Polynesia	Visa / Mastercard International acceptance	3.69%	estimated	View details
234	Yemen	Western Asia	Visa / Mastercard International acceptance	3.70%	estimated	View details
235	Zambia	Eastern Africa	TapTap Send	0.00%	reported	View details
236	Zimbabwe	Eastern Africa	TapTap Send	0.00%	reported	View details

Consumer-to-consumer rails are excluded here: several are cheaper than anything a merchant can accept, and ranking them as ways to be paid would be a category error. They appear on each market page with their real fees.

Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.