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FX live, 150 of 153 currencies refreshed 16 Oct 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
Visa / Mastercard International acceptance
3.69% effective · €3.29
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.
