Loading page
United States · $100 · Online
22 of 22 payment methods shown. Headline rates mislead: caps and flat fees change the order as the amount changes.
Each rail's current terms in the market, a percentage, a fixed amount, and any minimum, maximum or amount bands, are applied to the amount you enter. The result is the fee, and the fee divided by the amount is the effective rate.
★ Cheapest option
$0.80
ACH Direct Debit (US) · 0.80% effective
Most expensive
$6.29
Affirm · 6.29% effective
You save by choosing well
$5.49
per $100 payment, across 22 methods
Ant Group
JCB
2 cheaper-looking options are listed but kept out of the headline above, because they need something you may not have. Direct stablecoin settlement, for instance, really is the cheapest way to move a dollar, and it is no use at all if you do not already hold one: buying in and cashing out costs an exchange spread this site does not track, which can dwarf every fee on this page.
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.
Fixed fees, minimums, caps and amount bands do not scale with the amount, so rails overtake each other as it grows. Compare at the amount you will actually pay.
No. These are the published fees on each rail. A provider's exchange-rate margin is extra, and on a cross-border payment it is often larger than the fee.
Rails a merchant cannot accept, and rails that need something first, such as already holding a stablecoin, are listed with their real fees but kept out of the ranking, because their price is not the cost of a payment you can simply make.
 FedNow / RTP Real-time paymentInstantNot a checkout rail |
| $0.05 |
| $0.05 |
| 0.04% |
| $99.96 |
| Published rate |
| Visit site |
| ★ |  ACH Direct Debit (US) Direct debitUp to a week | 0.8%, capped at $5.00 | $0.80 | 0.80% | $99.20 | Estimate | Visit site |
| 4 |  Trustly Bank transferNext day | 0.9% + $0.20 | $1.10 | 1.10% | $98.90 | Estimate | Visit site |
| 5 |  Adyen Interchange++ Card2-3 days | 2.05% + $0.12 | $2.17 | 2.17% | $97.83 | Estimate | Visit site |
| 6 | Alipay Digital walletNext day | 2.5% | $2.50 | 2.50% | $97.50 | Estimate | Visit site |
| 7 |  Cash App Digital walletInstant | 2.75% | $2.75 | 2.75% | $97.25 | Published rate | Visit site |
| 8 |  Airwallex Online card payments CardNext day | 2.8% + $0.30 | $3.10 | 3.10% | $96.90 | Published rate | Visit site |
| 9 |  Apple Pay Digital wallet2-3 days | 2.9% + $0.30 | $3.20 | 3.20% | $96.80 | Estimate | Visit site |
| 10 | Stripe Card (online) Card2-3 days | 2.9% + $0.30 | $3.20 | 3.20% | $96.80 | Estimate | Visit site |
| 11 |  Google Pay Digital wallet2-3 days | 2.9% + $0.30 | $3.20 | 3.20% | $96.80 | Estimate | Visit site |
| 12 | JCB Card2-3 days | 3.25% | $3.25 | 3.25% | $96.75 | Estimate | Visit site |
| 13 |  Klarna Pay in 3 / Pay later Buy now, pay later2-3 days | 3.29% + $0.30 | $3.59 | 3.59% | $96.41 | Estimate | Visit site |
| 14 |  American Express Merchant acceptance Card2-3 days | 3.5% + $0.10 | $3.60 | 3.60% | $96.40 | Estimate | Visit site |
| 15 |  Visa / Mastercard International acceptance Card2-3 days | 3.4% + $0.30 | $3.70 | 3.70% | $96.30 | Estimate | Visit site |
| 16 |  Venmo Digital walletInstant | 3.49% + $0.49 | $3.98 | 3.98% | $96.02 | Published rate | Visit site |
| 17 | PayPal Commercial transactions Digital walletInstant | 3.49% + $0.49 | $3.98 | 3.98% | $96.02 | Estimate | Visit site |
| 18 |  Zip Buy now, pay laterNext day | 4% + $0.30 | $4.30 | 4.30% | $95.70 | Estimate | Visit site |
| 19 |  Afterpay / Clearpay Buy now, pay laterNext day | 4.5% + $0.30 | $4.80 | 4.80% | $95.20 | Estimate | Visit site |
| 20 |  Affirm Buy now, pay later2-3 days | 5.99% + $0.30 | $6.29 | 6.29% | $93.71 | Estimate | Visit site |
| 21 |  Stablecoin settlement (USDC / USDT) CryptoInstantNeeds a crypto wallet | $0.05 | $0.05 | 0.05% | $99.95 | Estimate | Visit site |
| 22 |  Coinbase Commerce CryptoInstantNeeds a crypto wallet | 1% | $1.00 | 1% | $99.00 | Estimate | Visit site |
