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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
TapTap Send
0% effective · KES 0.00
A merchant can accept these
Per $100 taken
These settle for less than anything above and the figure is real. It is also not the cost: the payer has to buy the asset and the recipient has to sell it, and both spreads are set by an exchange and not recorded here. Ranking them above rails you can walk up to would put a fraction of the price where the price belongs.
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.
| 0.5%, capped at KES 194.00 |
| Online |
| KES 64.96 |
| 0.50% |
| Estimate |
| Visit site |
| 3 |  Mobile money interoperability (PAPSS)PAPSS · Instant | 0.5% | Payout | KES 64.96 | 0.50% | Estimate | Visit site |
| 4 |  FlutterwaveFlutterwave · Next day | 1.4% | Online | KES 181.89 | 1.40% | Published rate | Visit site |
| 5 |  Airtel MoneyAirtel Africa · Instant | 1.5%, capped at KES 324.00 | Online | KES 194.88 | 1.50% | Estimate | Visit site |
| 6 |  VerveInterswitch · Next day | 1.5%, capped at KES 2,000.00 | Online | KES 194.88 | 1.50% | Reported rate | Visit site |
| 7 |  Paystack Card & bankPaystack · Next day | 2.9% | Online | KES 376.77 | 2.90% | Estimate | Visit site |
| 8 |  Visa / Mastercard International acceptanceMastercard · 2-3 days | 3.4% + KES 38.87 | Online | KES 480.60 | 3.70% | Estimate | Visit site |
| 9 |  dLocaldLocal · Up to a week | 4.5% | Online | KES 584.64 | 4.50% | Estimate | Visit site |
| 10 |  MoneyGramMoneyGram · Instant | 3% + KES 259.00 | Payout | KES 648.76 | 4.99% | Estimate | Visit site |
| 11 |  Western UnionWestern Union · Instant | 3.5% + KES 324.00 | Payout | KES 778.72 | 5.99% | Estimate | Visit site |
Corridor pages price one route at a time, which is a different question from what a rail costs in this market.
