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FX live, 150 of 153 currencies refreshed 15 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Tokenised wallet that rides existing card rails. Merchants pay no incremental Apple fee, the cost is whatever the underlying card costs, but issuers pay Apple a share of interchange.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Underlying card rate; no incremental merchant fee.
In force since 1 Dec 2021
3.16% effective
−4.2% 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.