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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.
Instalment checkout. The merchant carries the credit risk cost in the rate, which is why BNPL prices well above card acquiring, merchants accept it for the conversion and basket-size lift.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Klarna published merchant pricing.
In force since 1 Dec 2023
6.24% effective
−4.7% 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.