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By currency
New Zealand dollar: 9 priced rails across 2 markets, ranked by what each costs on a NZ$100.00 payment. Cheapest is Stablecoin settlement (USDC / USDT) at 0.09%.
| Method | Market | Listed fee | On NZ$100.00 | Since | Basis |
|---|---|---|---|---|---|
| New Zealand | NZ$0.09 | NZ$0.09 | Estimate | ||
| Niue | NZ$0.09 | NZ$0.09 | Estimate | ||
| New Zealand | 2.7% + NZ$0.30 | NZ$3.00 | Estimate | ||
Apple Pay Digital wallet | New Zealand | 2.9% + NZ$0.52 | NZ$3.42 | Estimate | |
Klarna Pay in 3 / Pay later Buy now, pay later | New Zealand | 3.29% + NZ$0.52 | NZ$3.81 | Estimate | |
| New Zealand | 3.4% + NZ$0.52 | NZ$3.92 | Estimate | ||
| Niue | 3.4% + NZ$0.52 | NZ$3.92 | Estimate | ||
Zip Buy now, pay later | New Zealand | 4% + NZ$0.52 | NZ$4.52 | Estimate | |
Afterpay / Clearpay Buy now, pay later | New Zealand | 4.5% + NZ$0.52 | NZ$5.02 | Estimate |
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.