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FX live, 150 of 153 currencies refreshed 27 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 · ZAR 0.81
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.
| 0.5% |
| Payout |
| ZAR 8.16 |
| 0.50% |
| Estimate |
| Visit site |
| 3 |  Coinbase CommerceCoinbase · Instant | 1% | Online | ZAR 16.31 | 1% | Estimate | Visit site |
| 4 |  FlutterwaveFlutterwave · Next day | 1.4% | Online | ZAR 22.84 | 1.40% | Published rate | Visit site |
| 5 |  OzowOzow · Next day | 1.5% | Online | ZAR 24.47 | 1.50% | Estimate | Visit site |
| 6 |  YocoYoco · Next day | 2.6% | In person | ZAR 42.41 | 2.60% | Estimate | Visit site |
| 7 |  Network InternationalNetwork International · 2-3 days | 2.6% + ZAR 2.44 | Online | ZAR 44.85 | 2.75% | Estimate | Visit site |
| 8 |  Paystack Card & bankPaystack · Next day | 2.9% + ZAR 1.00 | Online | ZAR 48.31 | 2.96% | Estimate | Visit site |
| 9 |  Stripe Card (online)Stripe · 2-3 days | 2.9% + ZAR 4.88 | Online | ZAR 52.19 | 3.20% | Estimate | Visit site |
| 10 |  Google PayGoogle · 2-3 days | 2.9% + ZAR 4.88 | Online | ZAR 52.19 | 3.20% | Estimate | Visit site |
| 11 |  PayfastPayfast · 2-3 days | 3.5% + ZAR 2.00 | Online | ZAR 59.10 | 3.62% | Estimate | Visit site |
| 12 |  Visa / Mastercard International acceptanceMastercard · 2-3 days | 3.4% + ZAR 4.88 | Online | ZAR 60.34 | 3.70% | Estimate | Visit site |
| 13 |  PayPal Commercial transactionsPayPal · Instant | 3.49% + ZAR 7.97 | Online | ZAR 64.90 | 3.98% | Estimate | Visit site |
| 14 |  dLocaldLocal · Up to a week | 4.5% | Online | ZAR 73.41 | 4.50% | Estimate | Visit site |
