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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 · NGN 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.
| NGN 50.00, capped at NGN 50.00 |
| Online |
| NGN 50.00 |
| 0.04% |
| Reported rate |
| Visit site |
| 3 |  Mobile money interoperability (PAPSS)PAPSS · Instant | 0.5% | Payout | NGN 673.87 | 0.50% | Estimate | Visit site |
| 4 |  Wise International transferWise · Same day | 0.55% + NGN 466.00 | Payout | NGN 1,207.26 | 0.90% | Estimate | Visit site |
| 5 |  FlutterwaveFlutterwave · Next day | 1.4% | Online | NGN 1,886.84 | 1.40% | Published rate | Visit site |
| 6 |  Paystack Card & bankPaystack · Next day | 1.5% + NGN 100.00, capped at NGN 2,000.00 | Online | NGN 2,000.00 | 1.48% | Estimate | Visit site |
| 7 |  VerveInterswitch · Next day | 1.5%, capped at NGN 2,000.00 | Online | NGN 2,000.00 | 1.48% | Reported rate | Visit site |
| 8 | MTN Mobile MoneyPaystack · Instant | 1.5%, capped at NGN 2,666.00 | Online | NGN 2,021.62 | 1.50% | Estimate | Visit site |
| 9 |  Airtel MoneyAirtel Africa · Instant | 1.5%, capped at NGN 3,332.00 | Online | NGN 2,021.62 | 1.50% | Estimate | Visit site |
| 10 |  Network InternationalNetwork International · 2-3 days | 2.6% + NGN 200.00 | Online | NGN 3,704.14 | 2.75% | Estimate | Visit site |
| 11 |  Visa / Mastercard International acceptanceMastercard · 2-3 days | 3.4% + NGN 400.00 | Online | NGN 4,982.33 | 3.70% | Estimate | Visit site |
| 12 |  dLocaldLocal · Up to a week | 4.5% | Online | NGN 6,064.85 | 4.50% | Estimate | Visit site |
| 13 |  MoneyGramMoneyGram · Instant | 3% + NGN 2,666.00 | Payout | NGN 6,709.23 | 4.98% | Estimate | Visit site |
| 14 |  Western UnionWestern Union · Instant | 3.5% + NGN 3,332.00 | Payout | NGN 8,049.11 | 5.97% | Estimate | Visit site |
Corridor pages price one route at a time, which is a different question from what a rail costs in this market.
