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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.
The Pan-African Payment and Settlement System, which clears cross-border African payments in local currency rather than routing them through correspondent banks in USD.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Market estimate; PAPSS pricing is set by participating banks.
In force since 16 Oct 2025
0.50% effective
−10.3% relative
Since 1 Jan 2022
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.