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FX live, 150 of 153 currencies refreshed 29 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
$0.80
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 21 methods
