Loading page
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
Faster Payments (UK)
0.27% effective · £0.20
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.
These are real rails with real fees, and several are cheaper than anything above. They are consumer-to-consumer or interbank only, so a merchant cannot be paid through them and ranking them against the list above would be comparing different products.
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.
| 0.6% |
| Online |
| £0.45 |
| 0.60% |
| Reported rate |
| Visit site |
| 3 |  Adyen Interchange++Adyen · 2-3 days | 0.55% + £0.11 | Online | £0.52 | 0.70% | Estimate | Visit site |
| 4 |  Revolut Business International paymentRevolut · Same day | 0.4% + £0.26 | Payout | £0.56 | 0.75% | Estimate | Visit site |
| 5 |  Wise International transferWise · Same day | 0.43% + £0.25 | Payout | £0.57 | 0.76% | Estimate | Visit site |
| 6 |  TrustlyTrustly · Next day | 0.9% + £0.20 | Online | £0.87 | 1.17% | Estimate | Visit site |
| 7 |  Bacs Direct Debit (UK)Pay.UK · Up to a week | 1% + £0.20, capped at £4.00 | Online | £0.95 | 1.27% | Estimate | Visit site |
| 8 | Revolut PayRevolut · Instant | 1% + £0.20 | Online | £0.95 | 1.27% | Estimate | Visit site |
| 9 |  Stripe Terminal (card present)Stripe · 2-3 days | 1.4% + £0.10 | In person | £1.15 | 1.53% | Estimate | Visit site |
| 10 |  Square Card presentSquare · Next day | 1.75% | In person | £1.31 | 1.75% | Estimate | Visit site |
| 11 | Stripe Card (online)Stripe · 2-3 days | 1.5% + £0.20 | Online | £1.32 | 1.77% | Estimate | Visit site |
| 12 | AlipayAnt Group · Next day | 2.5% | Online | £1.87 | 2.50% | Estimate | Visit site |
| 13 |  Cash AppBlock · Instant | 2.75% | Online | £2.06 | 2.75% | Published rate | Visit site |
| 14 |  Apple PayApple · 2-3 days | 2.9% + £0.22 | Online | £2.39 | 3.19% | Estimate | Visit site |
| 15 |  Google PayGoogle · 2-3 days | 2.9% + £0.22 | Online | £2.39 | 3.19% | Estimate | Visit site |
| 16 |  PayPal Commercial transactionsPayPal · Instant | 2.9% + £0.30 | Online | £2.47 | 3.30% | Estimate | Visit site |
| 17 |  Klarna Pay in 3 / Pay laterKlarna · 2-3 days | 3.29% + £0.22 | Online | £2.68 | 3.58% | Estimate | Visit site |
| 18 |  American Express Merchant acceptanceAmerican Express · 2-3 days | 3.5% + £0.07 | Online | £2.69 | 3.59% | Estimate | Visit site |
| 19 |  Visa / Mastercard International acceptanceMastercard · 2-3 days | 3.4% + £0.22 | Online | £2.76 | 3.69% | Estimate | Visit site |
| 20 |  Afterpay / ClearpayAfterpay · Next day | 4.5% + £0.22 | Online | £3.58 | 4.79% | Estimate | Visit site |
| 21 |  paysafecardPaysafe · 2-3 days | 10% | Online | £7.47 | 10% | Estimate | Visit site |
Corridor pages price one route at a time, which is a different question from what a rail costs in this market.
