FX live, 150 of 153 currencies refreshed 28 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.

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.