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FX live, 150 of 153 currencies refreshed 26 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Calculator
Headline rates mislead. A flat-fee rail is expensive on small payments and almost free on large ones, and a capped percentage flips the ranking entirely above the cap. Pick an amount and see the real ordering.
★ Cheapest option
$0.05
Stablecoin settlement (USDC / USDT) · 0.05% effective
Most expensive
$6.29
Affirm · 6.29% effective
You save by choosing well
$6.24
per $100 payment, across 21 methods
Rails marked Not a checkout rail are consumer-to-consumer or interbank only, real methods with real fees, but not something a merchant can accept, so they are excluded from the ranking above. Fees are shown in each market’s own currency. Cross-border acceptance, currency conversion and chargebacks are priced as separate channels, switch the channel selector to see them.
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.
