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FX live, 150 of 153 currencies refreshed 16 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Closed-loop network acceptance. Amex typically prices above Visa/Mastercard because it does not split interchange with a separate issuer.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Typical Amex merchant discount rate.
In force since 27 Jan 2022
3.87% effective
−2.4% relative
Since 1 Jan 2019
Rates are step functions: each level holds until it is replaced.
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.