UnifyPay is in beta

The badge in the header is about the data as much as the software. This page says which parts you can lean on and which you cannot, because a fee comparison that hides its own limits is worse than no comparison at all.

What is solid

The arithmetic. Percentages, flat fees, floors and caps are applied exactly, and the effective rate you see is computed from the same numbers shown beside it.
The history. Rates are append-only. A repricing never rewrites the past, so a payment recorded last year keeps last year’s fee.
The provenance. Every fee carries the date it took effect and a basis label saying how well sourced it is. How the labels work.

What is not finished

Coverage is curated, not exhaustive. This is not a registry of every payment rail on earth. A method missing from a market means we have not verified it, not that it does not exist.
Some fees are estimates. Where a provider publishes no rate card, a representative figure is recorded and labelled Estimate. It is directionally useful and nothing more. Do not quote it.
Exchange-rate margins are not tracked at all. Rates shown are mid-market reference rates. The margin a provider adds on top is frequently larger than its stated fee, and this site cannot currently tell you whose margin is smaller.
Corridors are priced per market. A country-to-country answer is what the receiving market charges plus a reference conversion, not a quote for a specific remittance route.

What this means for you

Use UnifyPay to narrow a shortlist and to understand how a fee structure behaves as the amount changes, which is the part headline rates hide. Confirm the final number with the provider before you commit money to it. Nothing here is financial advice or an offer.

Tell us when it is wrong

A wrong fee is the one bug that matters most here, and the fastest way for the dataset to improve is someone who knows a market saying so. Report a fee that looks wrong, and it will be checked against the provider’s own pricing.

Operated by UnifyPay.

What is solid

The arithmetic. Percentages, flat fees, floors and caps are applied exactly, and the effective rate you see is computed from the same numbers shown beside it.

The history. Rates are append-only. A repricing never rewrites the past, so a payment recorded last year keeps last year’s fee.

The provenance. Every fee carries the date it took effect and a basis label saying how well sourced it is. How the labels work.

What is not finished

Coverage is curated, not exhaustive. This is not a registry of every payment rail on earth. A method missing from a market means we have not verified it, not that it does not exist.

Some fees are estimates. Where a provider publishes no rate card, a representative figure is recorded and labelled Estimate. It is directionally useful and nothing more. Do not quote it.

Exchange-rate margins are not tracked at all. Rates shown are mid-market reference rates. The margin a provider adds on top is frequently larger than its stated fee, and this site cannot currently tell you whose margin is smaller.

Corridors are priced per market. A country-to-country answer is what the receiving market charges plus a reference conversion, not a quote for a specific remittance route.