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FX live, 150 of 153 currencies refreshed 27 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Tokenised wallet on card rails in most markets, and a UPI front-end in India where the merchant rate is zero for person-to-merchant UPI.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Underlying card rate; no incremental Google fee.
In force since 4 Jun 2025
3.16% effective
−8.5% 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.