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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.
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.
Sending $100 from United States arrives as about €87.75 in Guadeloupe, at an indicative reference rate. The fees below are charged on that converted amount, which is what the rail actually sees.
This is the receiving side. These are the cross-border rails priced in Guadeloupe, which is what it costs to take delivery there. We have not yet recorded which services can send from United States, so this is part of the cost rather than the whole of it.
Fees here are billed in EUR and shown converted to USD at an indicative reference rate. The amount the rail charges is the EUR figure.
★ Cheapest option
$0.05
Stablecoin settlement (USDC / USDT) · 0.05% effective
Most expensive
$3.70
Visa / Mastercard International acceptance · 3.70% effective
You save by choosing well
$3.65
per $100 payment, across 2 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.
