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FX live, 150 of 153 currencies refreshed 26 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Cheapest
Ranked on the equivalent of $100, because the ordering changes with the amount and a table without one is guesswork. Rails a merchant cannot accept are listed separately below rather than allowed to win.
★ Cheapest option
Stablecoin settlement (USDC / USDT)
0.05% effective · HK$0.39
A merchant can accept these
Per $100 taken
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.
| HK$1.00 |
| Online |
| HK$1.00 |
| 0.13% |
| Estimate |
| Visit site |
| 3 |  UnionPayUnionPay · 2-3 days | 0.6% | Online | HK$4.71 | 0.60% | Reported rate | Visit site |
| 4 | AlipayAnt Group · Next day | 1.2% | Online | HK$9.41 | 1.20% | Estimate | Visit site |
| 5 |  WeChat PayTencent · Next day | 1.2% | Online | HK$9.41 | 1.20% | Estimate | Visit site |
| 6 |  Adyen Interchange++Adyen · 2-3 days | 1.2% + HK$1.02 | Online | HK$10.43 | 1.33% | Estimate | Visit site |
| 7 |  OctopusOctopus Cards · Next day | 1.5% | In person | HK$11.77 | 1.50% | Estimate | Visit site |
| 8 |  Apple PayApple · 2-3 days | 2.9% + HK$2.35 | Online | HK$25.10 | 3.20% | Estimate | Visit site |
| 9 | JCBJCB · 2-3 days | 3.25% | Online | HK$25.49 | 3.25% | Estimate | Visit site |
| 10 |  Stripe Card (online)Stripe · 2-3 days | 3.4% + HK$2.35 | Online | HK$29.02 | 3.70% | Estimate | Visit site |
| 11 |  Visa / Mastercard International acceptanceMastercard · 2-3 days | 3.4% + HK$2.35 | Online | HK$29.02 | 3.70% | Estimate | Visit site |
| 12 |  PayPal Commercial transactionsPayPal · Instant | 3.49% + HK$3.84 | Online | HK$31.22 | 3.98% | Estimate | Visit site |
