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Federal Reserve · Online
The United States' instant settlement rails, the Clearing House's RTP since 2017 and the Federal Reserve's FedNow since 2023. Flat per-transaction pricing, a fraction of a cent per dollar at any size.
Taken from the provider's own published pricing. Source: FedNow published $0.045 per credit transfer.
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.
