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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.
Baseline card acceptance through a cross-border acquirer, available in nearly every market on earth. It is almost never the cheapest option where a domestic scheme exists, it is the one that always works.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Representative cross-border acquiring rate; domestic acquiring is materially cheaper.
In force since 20 May 2025
3.62% effective
−5.4% relative
Since 1 Jan 2019
Rates are step functions: each level holds until it is replaced.
| Online | 3.4% + £0.22 | since 20 May 2025 |
| Chargeback | £14.95 | since 24 Nov 2023 |
| Currency conversion | 1.5% | since 13 Oct 2023 |
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.